Individual
*Important!!
Child only open enrollment 11/1/11-3/1-11. If the child needs a GI enrollment
Smart Senses Plus, Clear Protection Plus, Core guard Plus and Lumenos HSA Plus plans now available!!
*All individual plans come with a 12 month rate guarantee!
Senior
*No rate increase for standardized F plan in 2011!! Special senour issue promo thorugh 12-1-2011 effective dates!.
*Anthem Blue Cross will accept new Medicare Supplement members without need for health history or underwriting.
Wednesday, February 2, 2011
Thursday, January 20, 2011
活著就可以使用的人壽保險計劃
目前在市面上提供的人壽保險，主要均為投保人以在去逝後嘉惠後人為壽險投保主要目的。「韓中芬保險事務所」為大家推薦一種活著就能使用的優質人壽保險：「生前利益五合一保險」。
保險專家韓中芬表示，傳統的人壽保險一般均可享有：人壽保險、絕症保險和退休儲蓄等三重保障。而Columbus Life人壽保險 公司新提供的「生前利益五合一保險」計劃，除涵蓋上述三項固定福利以外，另外加送免費的「長期護理」和「大病保險」的生前理賠福利。投保者在生前就可領取到理賠金，以供長期護理及重大疾病費用之所需。
長期護理是指 – 在日常生活中：洗浴、穿衣、進食、上洗手間、移動、失禁等行為，因為意外、疾病、年老而造成以上兩個項目無法獨立完成，即符合生前理賠。大病保險是指：中風、心臟病發、癱瘓、腎衰竭、器官移植、癌症和肌肉萎縮等等。只要有任何一種重病、即符合生前理賠。
韓中芬保險事務所指出，「Columbus Life保險公司」人壽保險有幾項有利特點：
(1)Columbus Life有兩種保單可選。一種是有指數回收利息的保單：這種保單有機會增加Cash Value的成長。另一種是有保證理賠的選擇：可去除因利率變化所產生不確定的因素。
(2)受保人在生病時，就可預知理賠的金額，不需經過Underwriting 來決定理賠金的多少。
(3)當生病理賠金領完後，保單仍有死亡理賠的福利可支持將近十五年。
(4)對有些身體狀況，如：有控制住的糖尿病等有特別的優惠。
俗語說：未雨愁繆。在不幸病危時，人人都希望能得到最週全的照顧，又不增加家人額外的負擔。一但我們自己或家人病危時，家庭支出定會突然增加、收入減少。如果沒有一份生前就可享用的保險賠償金，將很可能耗盡個人一生的積蓄，或變賣光您的資產。投保Columbus Life的五合一生前利益保險，可保障您人生的每一個階段，讓您未來的生活得到萬全的保障。
想多瞭解「生前利益五合一保險」 - 一份 活著就可以使用的人壽保險計劃，請電韓中芬保險事務所 韓中芬 ( JOAN CHANG)，電：510- 573- 6888 傳真 ：510-438-9047 CELL: 510-579-9534，E-mail： Joan@e-healthagent.com，網址：WWW.e-healthagent.com。
保險專家韓中芬表示，傳統的人壽保險一般均可享有：人壽保險、絕症保險和退休儲蓄等三重保障。而Columbus Life人壽保險 公司新提供的「生前利益五合一保險」計劃，除涵蓋上述三項固定福利以外，另外加送免費的「長期護理」和「大病保險」的生前理賠福利。投保者在生前就可領取到理賠金，以供長期護理及重大疾病費用之所需。
長期護理是指 – 在日常生活中：洗浴、穿衣、進食、上洗手間、移動、失禁等行為，因為意外、疾病、年老而造成以上兩個項目無法獨立完成，即符合生前理賠。大病保險是指：中風、心臟病發、癱瘓、腎衰竭、器官移植、癌症和肌肉萎縮等等。只要有任何一種重病、即符合生前理賠。
韓中芬保險事務所指出，「Columbus Life保險公司」人壽保險有幾項有利特點：
(1)Columbus Life有兩種保單可選。一種是有指數回收利息的保單：這種保單有機會增加Cash Value的成長。另一種是有保證理賠的選擇：可去除因利率變化所產生不確定的因素。
(2)受保人在生病時，就可預知理賠的金額，不需經過Underwriting 來決定理賠金的多少。
(3)當生病理賠金領完後，保單仍有死亡理賠的福利可支持將近十五年。
(4)對有些身體狀況，如：有控制住的糖尿病等有特別的優惠。
俗語說：未雨愁繆。在不幸病危時，人人都希望能得到最週全的照顧，又不增加家人額外的負擔。一但我們自己或家人病危時，家庭支出定會突然增加、收入減少。如果沒有一份生前就可享用的保險賠償金，將很可能耗盡個人一生的積蓄，或變賣光您的資產。投保Columbus Life的五合一生前利益保險，可保障您人生的每一個階段，讓您未來的生活得到萬全的保障。
想多瞭解「生前利益五合一保險」 - 一份 活著就可以使用的人壽保險計劃，請電韓中芬保險事務所 韓中芬 ( JOAN CHANG)，電：510- 573- 6888 傳真 ：510-438-9047 CELL: 510-579-9534，E-mail： Joan@e-healthagent.com，網址：WWW.e-healthagent.com。
Monday, November 15, 2010
2010年3月23日法案頒布/ Upon enactment March 23, 2010
2010年3月23日法案頒布/ Upon enactment March 23, 2010
自動投保流程- 員工人數超過200人的雇主，必須在任何新進全職員工符合承保資格時，盡快未其投保，而員工不得選擇不參加承保。Automatic enrollment* process - Employers with more than 200 employees must
automatically enroll all new full-time employees as soon as they are eligible for
coverage, and employees may opt out of coverage.
2010年3月23日法案頒布後90天/ 90 days following enactment on March 23, 2010
•退休人員暫時再保方案/Temporary retiree reinsurance program
•高分險分攤/High risk pool
2010年9月23日當天或之後/ On or after September 23, 2010
成人子女承保上限為26歲/Adult children coverage to age 26
年度上限僅適用非基本福利(待定義)/Annual limits only allowed on non-essential benefits (to be defined)
基本福利不得規定終身上線/No lifetime limits on essential benefits
不得有未滿19歲計畫參加者的寄有病況排除規定/ No pre-existing condition exclusions for enrollees under age 19
不得撤銷承保（主要針對個人承保及小型團體承保）No rescissions (primarily individual and small group coverage)
特定預防照護享有全額承保/ First dollar coverage for certain defined preventive care**
須有外部上訴流程/ External appeal process required**
不歧視規則擴大適用於被保計畫/ Non-discrimination rules extended to insured plans**
急診服務不需事先授權/ 視為網絡內治療/Emergency services without prior authorization/treated as in-network**
可選擇子女的小兒科醫師為其主治醫師/ Child's pediatrician may be chosen as the primary care physician**
女性可選擇其產科/婦科醫師，不需轉介或事先授權/A woman can choose her OB-GYN without referral or preauthorization**
2011年1月1日/ January 1, 2011
• 除非是醫師開立處方，否則不透過FSA補償非處方藥費用/No reimbursement through the FSA for over-the-counter drugs unless prescribed
• W-2表格申報福利價值 (適用與2011繳稅年度相關且於2102發給的W-2表格)/ Form W-2 reporting of value of benefits (for W-2 issued in January 2012 with
respect to tax year 2011)
• 提高非醫療HSA提款的罰則(從20% 調升為30%)/Increased penalty for non-medical HSA withdrawals (from 20 to 30 percent)
2012年3月23日/ March 23, 2012
• 統一的承保說明/ Uniform explanation of coverage
• 寄發篇幅為四頁的投保前承保說明文件，概述說明福利和排除規定/ 4 page pre-enrollment coverage document sent outlining benefits and exclusions
• 重大修改前60天的通知/60-day notice in advance of material modifications
2013年1月1日/ March 1, 2013
提升高所得者的Medicare稅/ Medicare tax increase for high-earners
退銷人員要物補助無減免/ No deduction for retiree drug subsidy
薪資扣除健保FSA提撥最高限額(上限為美金2500元)/ Cap on salary reduction health FSA contributions ($2,500 limit)
比較效益費(於2012年11月30日後終止的保單年度)/ Comparative effectiveness fee (policy years ending after November 30, 2012)
2013年3月1日/ March 1, 2013
• 有關保險交易機構的雇主通知/ Employer notification regarding exchanges
2014年1月1日/ January 1, 2014
各州設置的保險交易機構/ State-based exchanges
投機者罰款/Free rider penalty
禁止規定既有病況排除項目/No pre-existing condition exclusions
雇主承保證明/ Employer certification of coverage
提高保健方案獎勵(從20% to 30%)/ Increased wellness program incentives (from 20% to 30%)
個人強制險/Individual mandate
自由選擇憑證/ Free choice vouchers
禁止規定年度上限/ No annual limits
對危及生命疾病的臨床試驗必須提供承保/ Required coverage for clinical trials for life-threatening diseases
等待期間最長90天/90-day limit on waiting periods
退休人員再保方案終止(如尚有剩餘資金)Retiree reinsurance program ends if money has not already run out
自動投保流程- 員工人數超過200人的雇主，必須在任何新進全職員工符合承保資格時，盡快未其投保，而員工不得選擇不參加承保。Automatic enrollment* process - Employers with more than 200 employees must
automatically enroll all new full-time employees as soon as they are eligible for
coverage, and employees may opt out of coverage.
2010年3月23日法案頒布後90天/ 90 days following enactment on March 23, 2010
•退休人員暫時再保方案/Temporary retiree reinsurance program
•高分險分攤/High risk pool
2010年9月23日當天或之後/ On or after September 23, 2010
成人子女承保上限為26歲/Adult children coverage to age 26
年度上限僅適用非基本福利(待定義)/Annual limits only allowed on non-essential benefits (to be defined)
基本福利不得規定終身上線/No lifetime limits on essential benefits
不得有未滿19歲計畫參加者的寄有病況排除規定/ No pre-existing condition exclusions for enrollees under age 19
不得撤銷承保（主要針對個人承保及小型團體承保）No rescissions (primarily individual and small group coverage)
特定預防照護享有全額承保/ First dollar coverage for certain defined preventive care**
須有外部上訴流程/ External appeal process required**
不歧視規則擴大適用於被保計畫/ Non-discrimination rules extended to insured plans**
急診服務不需事先授權/ 視為網絡內治療/Emergency services without prior authorization/treated as in-network**
可選擇子女的小兒科醫師為其主治醫師/ Child's pediatrician may be chosen as the primary care physician**
女性可選擇其產科/婦科醫師，不需轉介或事先授權/A woman can choose her OB-GYN without referral or preauthorization**
2011年1月1日/ January 1, 2011
• 除非是醫師開立處方，否則不透過FSA補償非處方藥費用/No reimbursement through the FSA for over-the-counter drugs unless prescribed
• W-2表格申報福利價值 (適用與2011繳稅年度相關且於2102發給的W-2表格)/ Form W-2 reporting of value of benefits (for W-2 issued in January 2012 with
respect to tax year 2011)
• 提高非醫療HSA提款的罰則(從20% 調升為30%)/Increased penalty for non-medical HSA withdrawals (from 20 to 30 percent)
2012年3月23日/ March 23, 2012
• 統一的承保說明/ Uniform explanation of coverage
• 寄發篇幅為四頁的投保前承保說明文件，概述說明福利和排除規定/ 4 page pre-enrollment coverage document sent outlining benefits and exclusions
• 重大修改前60天的通知/60-day notice in advance of material modifications
2013年1月1日/ March 1, 2013
提升高所得者的Medicare稅/ Medicare tax increase for high-earners
退銷人員要物補助無減免/ No deduction for retiree drug subsidy
薪資扣除健保FSA提撥最高限額(上限為美金2500元)/ Cap on salary reduction health FSA contributions ($2,500 limit)
比較效益費(於2012年11月30日後終止的保單年度)/ Comparative effectiveness fee (policy years ending after November 30, 2012)
2013年3月1日/ March 1, 2013
• 有關保險交易機構的雇主通知/ Employer notification regarding exchanges
2014年1月1日/ January 1, 2014
各州設置的保險交易機構/ State-based exchanges
投機者罰款/Free rider penalty
禁止規定既有病況排除項目/No pre-existing condition exclusions
雇主承保證明/ Employer certification of coverage
提高保健方案獎勵(從20% to 30%)/ Increased wellness program incentives (from 20% to 30%)
個人強制險/Individual mandate
自由選擇憑證/ Free choice vouchers
禁止規定年度上限/ No annual limits
對危及生命疾病的臨床試驗必須提供承保/ Required coverage for clinical trials for life-threatening diseases
等待期間最長90天/90-day limit on waiting periods
退休人員再保方案終止(如尚有剩餘資金)Retiree reinsurance program ends if money has not already run out
Thursday, October 14, 2010
為什麼要買人壽保險？
親愛的朋友:
上個月，一通來自康州的電話讓我難過了好久，一位年輕時跟我一起住在康州，與我年紀相仿的朋友突然腦溢血驟逝，震驚的同時也讓我重新思考了人生的意義。俗話說，"天有不測風雲，人有旦夕禍福" "不怕一萬，只怕萬一"，我們生活在世界上，除了健康問題之外， 有太多意料之外的事情可能隨時發生，威脅到我們的生命安全，可能讓我們家人的生活失去保障。
因為做保險的關係，常常有朋友打電話來問我，要買怎樣的人壽保險才能保障家人的生活，經過這次事件，我越來越體認到人壽保險的重要，也花時間研究了市面上的許多人壽保險方案，其中一項人壽保險，R.O.P Term價格合理，且最快10年後還可以領回所有保費，便宜又有保障，所以推薦身邊的朋友購買，希望朋友及家人在面對意外事件的時候，能夠有足夠的財務保障。
意外不可預知，如果您還沒有人壽保險，希望自己更有保障，請盡早購買，因為越早購買保費越便宜，買了就有保障，未來也可以越早拿回所有繳出去的保費，如果還是有疑問，請跟我聯絡，我將盡力協助您！
我的e-mail 是: joan@e-healthagent.com ，電話是：510-573-6888 (台國語皆可)
祝 身體健康 事業順利
韓中芬 Joan Chang
上個月，一通來自康州的電話讓我難過了好久，一位年輕時跟我一起住在康州，與我年紀相仿的朋友突然腦溢血驟逝，震驚的同時也讓我重新思考了人生的意義。俗話說，"天有不測風雲，人有旦夕禍福" "不怕一萬，只怕萬一"，我們生活在世界上，除了健康問題之外， 有太多意料之外的事情可能隨時發生，威脅到我們的生命安全，可能讓我們家人的生活失去保障。
因為做保險的關係，常常有朋友打電話來問我，要買怎樣的人壽保險才能保障家人的生活，經過這次事件，我越來越體認到人壽保險的重要，也花時間研究了市面上的許多人壽保險方案，其中一項人壽保險，R.O.P Term價格合理，且最快10年後還可以領回所有保費，便宜又有保障，所以推薦身邊的朋友購買，希望朋友及家人在面對意外事件的時候，能夠有足夠的財務保障。
意外不可預知，如果您還沒有人壽保險，希望自己更有保障，請盡早購買，因為越早購買保費越便宜，買了就有保障，未來也可以越早拿回所有繳出去的保費，如果還是有疑問，請跟我聯絡，我將盡力協助您！
我的e-mail 是: joan@e-healthagent.com ，電話是：510-573-6888 (台國語皆可)
祝 身體健康 事業順利
韓中芬 Joan Chang
Friday, October 8, 2010
Medicare 聯邦老年醫療保險計畫 2011 年申請準備要開始了!
Dear Friends:
My name is Joan.
If you are over 65 years old,I can help you with Medicare supplement.
Please give me a call you need help!
Office TEL: 510-573-6888 e-mail: joan@e-healthagent.com
各位華人耆英:
我是醫療保險顧問韓中芬，又到了一年一度申請Medicare的時間, 2011年的Medicare申請時間是11月15日至12月31日，如果您已經年滿六十五歲，已經有Part A及Part B，想要更好的醫療保障，您可以找我申請Part C及Part D及其他更好的Medicare保險。
因為Part A及Part B保障範圍有限，並不包含長期照護. 牙醫. 中醫. 聽力醫療等範圍，我強烈建議您購買更有保障的Part C及Part D，可獲得處方藥. 特殊慢性病. 糖尿病. 心臟病. 新血管疾病等保障, 如果您想了解自己居住地區今年的保費金額，或對Medicare保險相關問題(包含醫療保障額, 藥物補助)有疑問，請跟我聯絡，我將盡力協助您！
我的e-mail 是: joan@e-healthagent.com ，電話是：510-573-6888 (台國語皆可)
祝 健康快樂
韓中芬 Joan Chang
PS. 如果您不瞭解 Losing PFFS, Medicare Supplement, Freedom Blue, 0 Premium, Medicare Advantage, medicare solutions 及 Medicare Plans或其他與Medicare相關的名詞,我也很樂意幫您解說!
My name is Joan.
If you are over 65 years old,I can help you with Medicare supplement.
Please give me a call you need help!
Office TEL: 510-573-6888 e-mail: joan@e-healthagent.com
各位華人耆英:
我是醫療保險顧問韓中芬，又到了一年一度申請Medicare的時間, 2011年的Medicare申請時間是11月15日至12月31日，如果您已經年滿六十五歲，已經有Part A及Part B，想要更好的醫療保障，您可以找我申請Part C及Part D及其他更好的Medicare保險。
因為Part A及Part B保障範圍有限，並不包含長期照護. 牙醫. 中醫. 聽力醫療等範圍，我強烈建議您購買更有保障的Part C及Part D，可獲得處方藥. 特殊慢性病. 糖尿病. 心臟病. 新血管疾病等保障, 如果您想了解自己居住地區今年的保費金額，或對Medicare保險相關問題(包含醫療保障額, 藥物補助)有疑問，請跟我聯絡，我將盡力協助您！
我的e-mail 是: joan@e-healthagent.com ，電話是：510-573-6888 (台國語皆可)
祝 健康快樂
韓中芬 Joan Chang
PS. 如果您不瞭解 Losing PFFS, Medicare Supplement, Freedom Blue, 0 Premium, Medicare Advantage, medicare solutions 及 Medicare Plans或其他與Medicare相關的名詞,我也很樂意幫您解說!
Saturday, August 7, 2010
HEALTH REFORM 健保新計劃
健保新規定計劃
從2010年9月23日起個人健保公司必需照著健保新規定走
*不滿26周歲的子女,不論是否全職學生或者結婚與否,都可以和父母一起申請家庭健保計畫.這樣可以省保費.
*健康保險投保額不設上限.
*從2010年3月23日後投保者,至2011年1月1日,可以享受免費健康檢查, 包括:驗血,預防針,大腸鏡(須滿50歲)等等.尚未投保者,應該趕快加入.
*目前健保公司舊計畫,只能投保最遲到2010年9月22日.23日起,各健保公司將推出新計畫,以符合健保改革的新規定.可是保費及投保內容可能有變.所以,請各位朋友把握機會,從今天到9月22日前趕快投保最低保費之計畫,以便在2011年1月1日前做免費的健康檢查.
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.
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.
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