耆英健保計劃 及 Part D 藥物保險
AARP Medicare Supplement &
AARP/MedicareComplete from SecureHorizons
自11月15日到12月31日一年一度的老人耆英健保及藥物保險Part D新換期. 時間有限.
請打電話給韓中芬 510-573-6888
Part D藥物保險 from AARP/MedicarRx Plans
AARP MedicareRx Saver
AARP MedicareRx Preferred
AARP MedicareRx Enhanced
Monthly Premium
$33.50
$34.40
$81.60
Annual Deductible
$295
$0.00
$0.00
Tier 1 Copay
Tier 2 Copay
Tier 3 Copay
Specialty Tier
$5.00
$22.00
$51.65
25%
$7.00
$38.00
$84.65
33%
$7.00
$39.00
$95.00
33%
Wednesday, September 30, 2009
耆英健保計劃 及 Part D 藥物保險 AAPR
耆英健保計劃及 Part D 藥物保險
AARP Medicare Supplement &
AARP/MedicareComplete from SecureHorizons
自11月15日到12月31日一年一度的老人耆英健保及藥物保險Part D新換期. 時間有限.
請打電話給韓中芬 510-573-6888
Part D藥物保險 from AARP/MedicarRx Plans
AARP MedicareRx Saver
AARP MedicareRx Preferred
AARP MedicareRx Enhanced
Monthly Premium
$33.50
$34.40
$81.60
Annual Deductible
$295
$0.00
$0.00
Tier 1 Copay
Tier 2 Copay
Tier 3 Copay
Specialty Tier
$5.00
$22.00
$51.65
25%
$7.00
$38.00
$84.65
33%
$7.00
$39.00
$95.00
33%
AARP Medicare Supplement &
AARP/MedicareComplete from SecureHorizons
自11月15日到12月31日一年一度的老人耆英健保及藥物保險Part D新換期. 時間有限.
請打電話給韓中芬 510-573-6888
Part D藥物保險 from AARP/MedicarRx Plans
AARP MedicareRx Saver
AARP MedicareRx Preferred
AARP MedicareRx Enhanced
Monthly Premium
$33.50
$34.40
$81.60
Annual Deductible
$295
$0.00
$0.00
Tier 1 Copay
Tier 2 Copay
Tier 3 Copay
Specialty Tier
$5.00
$22.00
$51.65
25%
$7.00
$38.00
$84.65
33%
$7.00
$39.00
$95.00
33%
Wednesday, July 29, 2009
韓中芬健康保險事務所 JC HEALTH INSURANCE
韓中芬健康保險事務所 JC HEALTH INSURANCE
JC Health Insurance Service in Fremont offers a great selection of insurance packages. Please call to find out more.
我們的使命在提供高品質的客戶服務。成為我們保險的客戶。您會有一個擁有豐富保險知識的專員隨侍在側。 當您對您的保險計劃或是理賠等有問題，或是您想瞭解有關保險的複雜問題，我們的專業人士會在全程的每 一步驟上幫助您。 最低的保費我們提供何種類型的服務? 我們是一個全面性的保險經紀公司並且代理所有各類全面性的計劃，不論是您的家庭，個人和商業保險，我們會量身訂做適合您的計劃 ，我們的產品如下:汽車保險: 碰撞險，綜合險，玻璃損壞險，責任險，人體傷害險，醫療險，拖吊租車險，無保險碰撞險商業保險: 意外險，產物險以及一般的責任險 健康保險: 個人及團體保險，傷殘，疾病和意外保險，住院保險和主要的醫療保險 房屋保險: 火險，責任險，偷竊險和地震險 人壽保險: 延稅退休年金，定期保險，多樣性人壽保險，和終身人壽保險 勞工保險: 工作傷害保險
JC Health Insurance Service in Fremont offers a great selection of insurance packages. Please call to find out more.
我們的使命在提供高品質的客戶服務。成為我們保險的客戶。您會有一個擁有豐富保險知識的專員隨侍在側。 當您對您的保險計劃或是理賠等有問題，或是您想瞭解有關保險的複雜問題，我們的專業人士會在全程的每 一步驟上幫助您。 最低的保費我們提供何種類型的服務? 我們是一個全面性的保險經紀公司並且代理所有各類全面性的計劃，不論是您的家庭，個人和商業保險，我們會量身訂做適合您的計劃 ，我們的產品如下:汽車保險: 碰撞險，綜合險，玻璃損壞險，責任險，人體傷害險，醫療險，拖吊租車險，無保險碰撞險商業保險: 意外險，產物險以及一般的責任險 健康保險: 個人及團體保險，傷殘，疾病和意外保險，住院保險和主要的醫療保險 房屋保險: 火險，責任險，偷竊險和地震險 人壽保險: 延稅退休年金，定期保險，多樣性人壽保險，和終身人壽保險 勞工保險: 工作傷害保險
Saturday, July 25, 2009
韓中芬保險事務所 專業醫療保險
韓中芬保險事務所專業醫療保險
July 18, 2009 08:54 PM
保險專家韓中芬Joan(左)與UnitedHealthCare健保公司亞裔部市場經理William Yu。slideshow
上周UnitedHealthCare健保公司所舉辦了健保計劃說明會，介紹了許多醫療保險方面的新知識，韓中芬保險事務所積極向僑胞推薦該公司所提供的涵蓋完整的UnitedHealthCare新健保計畫，及該計畫的諸多優點，期與大家共同分享。
韓中芬保險事務所專業保險經紀韓中芬指出，UHC公司保險的PPO Plan的驗血(Lab.)及照X光 (X Ray) 的費用是不用算在扣除額內的，這點對廣大員工來說是最好的。因為做過體檢的人士都瞭解，大部分保險公司的醫療保險計畫，對於檢驗室及照X光費用，均計算到個人扣除額部份，需自行負擔。UHC公司雖然保費略多些，但物超所值。
另外，特別有關Medicare方面的醫療保險：Secure Horizon by United Health Care零月費，只要您繼續持有Part B保險，即可享有更多保障，可預算的自付額，可自由選擇醫生和醫院 (衹要該醫生或醫院接受這項計畫)。
關於UHC保險公司小團體保險或Medicare Advantage (老人保險)醫療計劃的更多優細節，可電韓中芬Joan Chang510-573-6888，網站：www.e-healthagent.com；e-mail：joan@e-healthagent.com。
July 18, 2009 08:54 PM
保險專家韓中芬Joan(左)與UnitedHealthCare健保公司亞裔部市場經理William Yu。slideshow
上周UnitedHealthCare健保公司所舉辦了健保計劃說明會，介紹了許多醫療保險方面的新知識，韓中芬保險事務所積極向僑胞推薦該公司所提供的涵蓋完整的UnitedHealthCare新健保計畫，及該計畫的諸多優點，期與大家共同分享。
韓中芬保險事務所專業保險經紀韓中芬指出，UHC公司保險的PPO Plan的驗血(Lab.)及照X光 (X Ray) 的費用是不用算在扣除額內的，這點對廣大員工來說是最好的。因為做過體檢的人士都瞭解，大部分保險公司的醫療保險計畫，對於檢驗室及照X光費用，均計算到個人扣除額部份，需自行負擔。UHC公司雖然保費略多些，但物超所值。
另外，特別有關Medicare方面的醫療保險：Secure Horizon by United Health Care零月費，只要您繼續持有Part B保險，即可享有更多保障，可預算的自付額，可自由選擇醫生和醫院 (衹要該醫生或醫院接受這項計畫)。
關於UHC保險公司小團體保險或Medicare Advantage (老人保險)醫療計劃的更多優細節，可電韓中芬Joan Chang510-573-6888，網站：www.e-healthagent.com；e-mail：joan@e-healthagent.com。
Sunday, July 12, 2009
SecureHorizons $0 Monthly Health Plan by UnitedHealthcare
Picture is William Yu with me in the meeting. 
OUR PLAN OFFERS:
* $0 monthly health plan premium available when you continue to pay your Part B premium.
*More coverage than Original Medicare, with predictable copays for doctor and hospital visits and no deductibles.
* Freedom to see any doctor or hospital that accepts the plan's terms and conditions.
* Part D covreage for thousands of brand name and generic prescription drugs.
* More than 60,000 local and national pharmacies that accept our prescription drug plan.
* An annual medical out-of-pocket maximum helps you budget for your health care expenses.
* No networks to navigate or referrals to obtain when you seek treatment.
* 24-hour NurseLine services.
* $0 monthly health plan premium available when you continue to pay your Part B premium.
*More coverage than Original Medicare, with predictable copays for doctor and hospital visits and no deductibles.
* Freedom to see any doctor or hospital that accepts the plan's terms and conditions.
* Part D covreage for thousands of brand name and generic prescription drugs.
* More than 60,000 local and national pharmacies that accept our prescription drug plan.
* An annual medical out-of-pocket maximum helps you budget for your health care expenses.
* No networks to navigate or referrals to obtain when you seek treatment.
* 24-hour NurseLine services.
Picture is William Yu with me in the meeting.
Friday, July 10, 2009
2009 Medicare premium rate & coinsurance
Medicare Premiums for 2009:
Part A: (Hospital Insurance) Premium
Most people do not pay a monthly Part A premium because they or a spouse has 40 or more quarters of Medicare-covered employment.
The Part A premium is $244.00 per month for people having 30-39 quarters of Medicare-covered employment.
The Part A premium is $443.00 per month for people who are not otherwise eligible for premium-free hospital insurance and have less than 30 quarters of Medicare-covered employment.
Part B: (Medical Insurance) Premium
$96.40 per month*
Medicare Deductible and Coinsurance Amounts for 2009:
Part A: (pays for inpatient hospital, skilled nursing facility, and some home health care) For each benefit period Medicare pays all covered costs except the Medicare Part A deductible (2009 = $1,068) during the first 60 days and coinsurance amounts for hospital stays that last beyond 60 days and no more than 150 days.
For each benefit period you pay:
A total of $1,068 for a hospital stay of 1-60 days.
$267 per day for days 61-90 of a hospital stay.
$534 per day for days 91-150 of a hospital stay (Lifetime Reserve Days).
All costs for each day beyond 150 days
Skilled Nursing Facility Coinsurance
$133.50 per day for days 21 through 100 each benefit period.
Part B: (covers Medicare eligible physician services, outpatient hospital services, certain home health services, durable medical equipment)
$135.00 per year. (Note: You pay 20% of the Medicare-approved amount for services after you meet the $135.00 deductible.)
Additional information about the Medicare premiums, deductibles, and coinsurance rates for 2009 is available in the September 19, 2008 Fact Sheet titled, "CMS Announces Medicare Premiums, Deductibles for 2009" on the http://www.medicare.gov/Library/ExternalSiteRedirector.asp?Language=English&URLPath=http://www.cms.hhs.gov/ website.
*Note: If your income is above $85,000 (single) or $170,000 (married couple), then your Medicare Part B premium may be higher than $96.40 per month. For additional details, see our FAQ titled: " Medicare Part B Monthly Premiums in 2009"
Part A: (Hospital Insurance) Premium
Most people do not pay a monthly Part A premium because they or a spouse has 40 or more quarters of Medicare-covered employment.
The Part A premium is $244.00 per month for people having 30-39 quarters of Medicare-covered employment.
The Part A premium is $443.00 per month for people who are not otherwise eligible for premium-free hospital insurance and have less than 30 quarters of Medicare-covered employment.
Part B: (Medical Insurance) Premium
$96.40 per month*
Medicare Deductible and Coinsurance Amounts for 2009:
Part A: (pays for inpatient hospital, skilled nursing facility, and some home health care) For each benefit period Medicare pays all covered costs except the Medicare Part A deductible (2009 = $1,068) during the first 60 days and coinsurance amounts for hospital stays that last beyond 60 days and no more than 150 days.
For each benefit period you pay:
A total of $1,068 for a hospital stay of 1-60 days.
$267 per day for days 61-90 of a hospital stay.
$534 per day for days 91-150 of a hospital stay (Lifetime Reserve Days).
All costs for each day beyond 150 days
Skilled Nursing Facility Coinsurance
$133.50 per day for days 21 through 100 each benefit period.
Part B: (covers Medicare eligible physician services, outpatient hospital services, certain home health services, durable medical equipment)
$135.00 per year. (Note: You pay 20% of the Medicare-approved amount for services after you meet the $135.00 deductible.)
Additional information about the Medicare premiums, deductibles, and coinsurance rates for 2009 is available in the September 19, 2008 Fact Sheet titled, "CMS Announces Medicare Premiums, Deductibles for 2009" on the http://www.medicare.gov/Library/ExternalSiteRedirector.asp?Language=English&URLPath=http://www.cms.hhs.gov/ website.
*Note: If your income is above $85,000 (single) or $170,000 (married couple), then your Medicare Part B premium may be higher than $96.40 per month. For additional details, see our FAQ titled: " Medicare Part B Monthly Premiums in 2009"
UnitedHealthcare Small Group & SecureHorizons meeting
I am grateful that I had joined today's meeting that hosted by UnitedHealthcare. It remind me that the premium is not the only criteria in chosing a right medical insurance plan, product quality and coverage are important as well.
Most of my customer are based on the premium to make their decision in purchasing health insurance, today, I would like to show to them the importance of a product quaulity.
For example, when you do the Lab or Xray with a UnitedHealthcase PPO plan there is no deductible, the Rehab services is covered by the co-pay, whic with other types of plan might had cost you. Moreover, there are NO balance billing for ER, Anesthesiology pathology and all other services.
UnitedHealthcare also introduce to us the SecureHorizons plan, which is $0 monthly premium HealthPlan for Senior ($0 monthly health plan premium available when you continue to pay your Part B premium ).
Thank you Rachel for this good news for us.
Most of my customer are based on the premium to make their decision in purchasing health insurance, today, I would like to show to them the importance of a product quaulity.
For example, when you do the Lab or Xray with a UnitedHealthcase PPO plan there is no deductible, the Rehab services is covered by the co-pay, whic with other types of plan might had cost you. Moreover, there are NO balance billing for ER, Anesthesiology pathology and all other services.
UnitedHealthcare also introduce to us the SecureHorizons plan, which is $0 monthly premium HealthPlan for Senior ($0 monthly health plan premium available when you continue to pay your Part B premium ).
Thank you Rachel for this good news for us.
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