Health Reform

Latest news and updates link https://www.blueshieldca.com/producer/news/health-reform/home.jhtml


Extension of dependent coverage until age 26
Reinsurance for early retiree plans
New rules for enrollees with pre-existing conditions
Changes to lifetime or annual limits on "essential health benefits"
Coverage of preventive health services
Health & Human Services (HHS) consumer website launches
New rescission rules
Details on "grandfathered" health plans

Detail for Extension of dependent coverage until age 26
Extension of dependent coverage until age 26 As part of the new federal health reform law, dependents have the option of staying on their parents’ group or family health plan until age 26, regardless of student, residency, employment or marital status. Prior to the new legislation, health plans commonly imposed an age limit of 23 years old for dependents who were full-time students and 19 years old for dependents who were not full-time students.The law states that this new provision must go into effect on September 23, 2010 for group plans and January 1, 2011 for individual and family plans. However, Blue Shield of California chose to implement this provision early for its members. On June 1, 2010, Blue Shield began allowing dependents who would have previously "aged-off" of their parents’ plan to remain on that plan regardless of student status, up to age 26. Dependents who reached 26 years of age on or before May 31, 2010 or were dis-enrolled because of their student status, may re-enroll when their parents re-enroll at open enrollment for an effective date on or after the September 23, 2010 or their parents renew their individual plan effective January 1, 2011 . For ASO and custom groups, this maximum age may vary by contract, but may only be higher than 26.The only eligibility requirement, other than age, is that the dependent must be a child of the covered parent. For example:Subscriber enrolled through his/her employer: A son turned 23 years old in May 2010 and was dis-enrolled from his parent’s plan. The son may now re-enroll on his parent’s plan at the next plan renewal on or after September 23, 2010 (in this scenario, May 2011).Subscriber enrolled through an Individual and Family Plan (IFP): A son turned 23 years old in May 2010 and was dis-enrolled from his parent’s plan. The son may now re-enroll on his parent’s plan on January 1, 2011. NOTE: for an IFP plan, any dependents that "aged-off" only have a 30-day time period from January 1, 2011 through January 31, 2011 to re-enroll. Once this time period is completed, normal Blue Shield of California Underwriting policies will be enforced.Remind groups of the option to re-enroll dependents up to age 26Group members will be allowed to re-enroll covered dependents up to age 26 for any renewals on or after October 1, 2010. Members must act fast since re-enrollment is not automatic. Please remind your clients when you are talking about renewals. Blue Shield will be providing groups with a sample notices to be given to their employees at open enrollment.

Michelle Chang Graduated

Graduate Dean's List Award

Congratulation Michelle.

恭喜佳雯得到最佳優良畢業生獎

我們以妳為榮

Anthem Blue Cross藍十字將新推出兩項保費低廉醫療保險計畫

專業保險經紀 韓中芬Joan Chang 與藍十字區域行銷經理 Patrick Houghton 熱忱為各界提供健保服務

保費年年上漲，正值許多人失業，保費昂貴要實在令人無法負擔！這是很多保險人現在所面臨的問題。『韓中芬保險事務所』特別介紹兩項Anthem Blue Cross藍十字新推出的保險優惠計畫包括 ” Clear Protection “ and “ Core Guard “對保費負擔沉重著，將有相當助益。

Clear Protection – 保費低廉並可享有每年前二次門診只需 $40 掛號費 / 無需扣除額的優惠承保六個月之後，年度健康檢查只需付 $25或 $75無需扣除額但要到Anthem Blue Cross 的特約檢查中心，若是選擇$3,300和 $5,000的扣除額，投保人將享有二年鎖定保費的優惠。

Core Guard – 保費相當低，是專門為只想保預防重大疾病的緊急事故的人所設計。保險人在付滿扣除額之後將負擔50% 的醫療費用， 直到付滿年度最高自付額這項計畫扣除額的選擇$750 $1500 $2500 提供多種 $3,500 、 $5,000 、$7,500 。

親愛的朋友！若是面臨保費上漲又不知該如何選擇保險計畫，請致電來510-573-6888 JC Health Insurance Service 我們將為您找到一個又實惠又理想的保險計畫 。同時可上網直接申請。
www.e-healthagent.com click on quote ( start now )
另外從4月1日起，Anthem Blue Cross藍十字將新推出更優惠，涵蓋周全的『Premier 』醫療保險計畫，歡迎洽詢。

NEW PLAN from Anthem Blue Cross ClearProtection

Anthem Blue Cross have a new plan call CLEARPROTECTION

This plan offers a valuable combination of affordable coverage with some immediate benefits, plus a broad range of benefits once the out-or-pocket maximum is met.

If you're looking for a lower-cost plan with immediate coverage for some doctors visits and long-term coverage for other benefits you may need, ClearProtection could be the right plan for you. ClearProtection offers three deductibles and moderate cost-sharing helps lower your monthly premiums. Prescription drug coverage is included, with varying levels of copay or coinsurance depending on the particular drug. Maternity benefits are not included with this plan. ClearProtedction offers up to $4 million per member in lifetime benefits.

終生保証收入年金

韓中芬保險團隊Ann Fang; Joan Chang; Carol Chao熱誠為您服務

終生保証收入年金

您想過悠閒的退休生活嗎？

您希望擁有一份能提供較高利率的年金卻又不必承擔風險嗎？
韓中芬保險事務所教您如何建立一份終生保証收入年金。

該公司特別推薦一種可終生領取保証年金的『個人退休終生年金計劃』，有：零風險、本金保值、終生保証收入及累積複利可延稅的多種優點，歡迎詢詳。

經驗豐富的保險專業經紀人韓中芬表示，『個人退休終生年金計劃』好處良多：

1.保本Principal Guaranteed：在金融衰退、危機股市及各種負面因素如何都不影響您原有的本金。

2.紅利Bonus高達20%：加入年金計劃，依參加年金計劃的種類，立既分派紅利從5%到20%，本金立既增值，如本金100,000元，立既增值為120,000元

3. Profits Locked in: 100%年金加上紅利、累積複利等等多重增值福利。

4.﹝1﹞ 終生保証收入Guaranteed Lifetime Income: 本金加上紅利及S&P 500;NASDA 100 等所產生的指數百分比計算的收益，均為終生保証的收入。

韓中芬保險團隊熱誠為您服務；同時代理多種適合各種年齡的保險計劃。
詳細內容可電510-573-6888或手機510-579-9534，網站：http://www.e-healthagent.com/, 可直接上網申請『國際學生保險』及『健康保險』『人壽保險』
也可e-mail: joan@e-healthagent.com or chungfen@comcast.net查詢相關資訊。

好友們

E

李昌鈺教授Dr. Henry Lee

Re-union with Dr. Lee (right) at JAACUC 01/09/2010

非常高興能在加州碰見李教授，老師還是跟1988年一樣沒什麼變，我們呢？胖了也老了些。自從我先生Bill Chang畢業離開康州至今都沒有機會與老師會面，今日相見，老師幾乎不記得我們了。不知道師母是否還記得？
祝李教授全家安康
晚
張純浩&韓中芬