Lancaster Independent Insurance Agent

We have been getting clients who’ve said that their home owners insurance here in Lancaster and Palmdale have double recently and we are here to tell you that there are options when it comes to your insurance. Lancaster Insurance Services are not controlled by one insurance company but as independent agents we have many insurance companies to provide you so give us a call at 661.726.1337. Read below for more information about this subject:

State officials rolled out information on California’s consumer exchange for medical insurance — a program triggered by federal health care reform — during a town hall meeting in Riverside on Thursday, April 26.

About 200 health care providers, residents and insurance agents got the lowdown on the health benefit exchange, Covered California, which will allow about 4 million uninsured people to compare and buy coverage.

The forum at University of California Riverside Extension was the first in a series across the state.

“Health care is something we should all have, and we have the tools to make it possible. It’s a very big deal,” said Peter Lee, executive director of Covered California, an independent state agency.

 

California was the first of 17 states to create an exchange. The other states will rely on the federal government’s marketplace of insurance plans.

The Affordable Care Act requires individuals to have coverage through their employer or the exchange, or face a penalty of 1 to 2 percent of their income. Millions of people — 2.6 million of them in California — will be eligible to receive federal subsidies through tax credits to make their premiums more affordable.

Under Covered California:

Premiums will be based on income.

Co-pays will be set so they are not a deterrent to care.

Many plans will have zero deductibles.

Preventive care will be free.

Out-of-pocket maximums will be lower.

Riverside and San Bernardino counties alone have more subsidy-eligible people than in all of Colorado, Lee said.

Terri Vise, director of the Neighborhood Healthcare clinic in Temecula, said the new coverage is going to be good for patients. More people will be eligible for MediCal, a large part of her clinic’s client base.

“In the past, people on MediCal came to us because they didn’t have other options,” she said. “Now we will be competing with private providers, which has made us look at things like our customer service and facilities.”

A tentative list of health plans is expected to be announced in mid-May, and the final list July 1, officials said.

The first open enrollment period is Oct. 1, 2013, through March 31, 2014.

 

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