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• Appeal & Grievances? Medicare – Medi Cal – Covered CA
  • Grace Periods? NEVER get cancelled Non-Pay!!!
  • Medical Necessity – reasonable and necessary Independent Medical Review
  • Plain English – Understand Policies – Fool & Folly
    • Fraud, Scams, Waste & Abuse Risk Adjustment
• Contact Us & License Info
  • 17 Reasons to use Steve Shorr Insurance
    • Biography – Steve Shorr
      • Lt. Paul S. Shorr US Army – Korea
        • Coronel Mickey Markus
      • Non Insurance Websites
        • Tennis Welcome Page
        • Web Design
          • Home Page Mock Up
    • Purchase Tutoring, Research & Education
    • Testimonials – “Yelp” “Google” Reviews
  • Set a Meeting – Zoom, Skype or Phone
    • Meeting – Expectations – Terms of Service
      • Privacy Statement
        • Privacy – Federal HIPAA
          • California Privacy Laws – Health Insurance
            • Right to review your Medical Records
          • Email – Expectation of Privacy
        • Visitor Agreement
• Covered CA Introduction – Coverage? Tax Subsidies?
  • ACA Health Care Reform – Obamacare Introduction
    • 10 Essential Mandatory Benefits + CA Benefits
      • Cancer – Coverage under ACA Obamacare, Medi Cal & Medicare
      • Maternity – Reproductive Health – Infertility
      • Mental Health Parity Essential Benefit
        • Autism – Essential Benefits & Health Coverage
        • Resources – Mental Health – Conservatorship – FSP
          • Organizing, Hoarding, & Cluttering
        • Therapist find one who takes Medicare – ACA – Blue Shield
      • Pre-Existing Conditions – ACA No more!
      • Preventative Care – Wellness Visit – Medicare
        • Corona Virus – COVID 19 How does Insurance Cover it? – Relief Programs
        • Social Determinants of Health Togetherness – Loneliness
    • 80% Medical Loss Ratio (MLR) – Actuarial Value Minimum Payout
      • CA Insurance Rate Regulation
        • Financial Impact of Health Care Reform on Premiums
        • Premium increases? Why are they always going up?
    • Metal Levels – Platinum, Gold, Bronze – Silver & Enhanced
      • Enhanced Silver 94, 87, 73 Cost-sharing reductions House v Price
        • Heath Reform Upheld as a tax NFIP vs Sebillius
          • California vs Texas Supreme Court – ACA unconstitutional
          • Subsidies Upheld – King v Burwell
      • Grand Fathered Plans What does that mean?
      • HSA Health Savings Accounts
      • OOP -Out of Pocket Maximum – Participating or Not? Deductibles & Co- Pays
        • Negotiated Rates – Balance Billing? Transparency No Surprises
      • Provider – Doctor & Hospital Finder – no index follow
        • Cedar’s Sinai – Thipa – Optum – UCLA – stanford Insurance Plans Accepted
        • International Travel Insurance
          • CA HMO & PPO Coverage Out of State & Country
        • Narrow Lists? Fewer MD’s than before? Mirrored Plans?
          • Continuity of Care same doctor even if no longer in network
          • Emergency Room treatment for uninsured patients
            • Medical Debt Fair Pricing Act Bankruptcy
    • Special & Open Enrollment Periods Covered CA & Direct with Broker
    • Trump Changes 2025???
  • MAGI – Modified Adjusted Gross Income – Line 11
    • APTC Advance Premium Tax Credit – Subsidies ARPA
      • 8962 Premium Tax Credit Reconciliation APTC Instructions
        • 1095 A, B & C & FTB 3895 Covered CA Statement of Subsidy & Proof of Coverage
      • Age 65 – Can you get Tax Credits Subsidies Covered CA?
      • Employer Coverage available? Updated rules – Family Glitch
      • Premium Subsidy to 600% FPL
        • Mandate Penalty California – MEC – QHP – 5000 A
          • Employer Mandate for Health Insurance ACA 4980 h
            • 6056 – w -2 – spd etc Reporting
              • ERISA Employee Retirement Income Security Act — 1974
            • FTE – ALE Full Time & Equivalent Employees
          • Health Sharing Ministries – Not Protected by Insurance Guarantees
    • MAGI Income Chart – Line 11 1040 Covered CA 2025
    • Report a Change – How & When – Especially Income Create Account
      • Covered CA Broker – Agent Appointment No extra charge
      • Fudging the Income or Deductions?
        • Last Minute Application? When does coverage start? Competent Adults
      • Proof of Income & Identity – Accepted Documents
    • Table of Contents -Income, Deductions & Expenses for MAGI no index
      • Alimony – From a Divorce Settlement taxable
        • Child Support – Adoption – Tax Credit – Enter Military
        • Married – Must File Jointly, Single, etc? Filing Status?
      • Capital Gains, Sale of Home & Dividends
        • Rental Income? MAGI? Home Mortgage Interest – Tenant Rights
      • Clergy – Housing Allowance? Covered CA MAGI Income
      • Educational Credits – Student Loan Interest
      • Gambling Income & Losses – Other Income Line 21
• Employer Small Group Health Plans – Introduction
  • Carriers – Companies Employer Group ni
    • Aetna Employer Group Plan Coverage
    • Blue Cross – Anthem – Employer Health Plans
      • Administrative, Renewal & Wellness Tools
    • Blue Shield – Employer Group
    • California Choice – Multiple Companies ONE Bill
    • Health Net Employer Small Group
    • Kaiser Permanente – New Enrollment – Administrative
    • Oscar – CIGNA + Oscar
    • Quotes Employer Group – California – Instantly
      • LA County Employee Benefits
    • Sharp Health Plan
    • SHOP – Covered CA for Small Business
    • Sutter Employer Health Plans 2022
    • United Health Plan UHC Enrollment
      • Administration & Wellness
  • COBRA & California Cal-COBRA 36 months total coverage
  • EmployER Definition – Health Care Reform
    • EmployEE Definition
      • 1099 Independent Contractor vs Employee & Other Defintions
        • Telemarketing Training
          • 2022 renewal
          • skilled nursing mass email
      • 90 Day Maximum Waiting Period?
        • Late Enrollee – Triggers – Qualifying Events
      • Dependent Definition – Up to Age 26 – Add newborn baby
        • Registered Domestic Partners – Spousal Health Coverage?
  • Participation & Premium Contribution Requirements
    • Employer Group Association Plans – Trump’s Executive Order – CA prohibition
    • Management Carve Outs – §2716 – Similarly Situated
      • Common Ownership – Affiliated Companies – Corporations
  • Tax Credits Small Business §45 R
    • IRC §106 – 162 Health Insurance Deduction for Employers & Employees
      • Schedule C – Self-Employment Income – Hobby? Office in home?
    • Section §105 -HRA Health Reimbursement & ICHRA
    • Section 125 – POP Plan Employee Contributions are Tax Deductible
• Individual & Family Health Insurance CA
  • Companies – Carriers
    • Aetna Individual & Family
    • Blue Cross – Anthem Individual
    • Blue Shield 2025 Family Plans PPO & HMO Trio
    • Health Net 2025 Individual Information & Enroll
    • Kaiser Permanente – Enrollment – Pay Premium ONLINE
    • LA Care – Medi Cal & Covered CA
    • Molina Health Care
    • Oscar Health Insurance – Historical
    • Sharp Health Plan – Employer & Family
    • Sutter Health Insurance Individual & Employer Plans 2025
    • Western Health Advantage Individual & Small Group
  • Dental & Vision for Adults and Children, who are automatically covered
    • Dental Implants – Denti Cal – Coverage?
    • Dental under Medicare is very limited – 2023 increase benefits
• Life, Disability, Long Term Care & Retirement no index
  • Benefits of Retirement Planning & Effect on MAGI Income
    • Annuities & MAGI Income Taxation Exemption
      • TSA-Teacher Retirement Plans – Tax Sheltered Annuities
    • Business – Employer Sponsored Retirement Plans
      • CalSavers Mandate vs Private Pension Plan
        • Cal Savers Mass Email
      • Selling and Valuation of an Insurance Practice?
      • SEP – Simplified Employee Pension
    • IRA – Individual Retirement Account Tax Deductible & Roth
    • Social Security – Retirement Benefits – Survivors – When?
      • Social Security Benefits MAGI Covered CA Income Subsidies
  • Disability Income – Pay Check Protection
    • SDI State Disability Insurance – MAGI Income Taxable? COVID
      • Unemployment Compensation – Can’t find job – Corona Pandemic – Family Leave- Free Silver 94
  • Estate Planning
    • Estate & Gift Taxes
      • Gift Income? Covered CA MAGI? Taxable?
    • Living Trust – Bank Accounts?
      • Executor – Successor Trustee – What are the duties?
      • Sample – Example California Will – Where does your stuff go? Health Care Directive
        • Probate
        • Will Contests – Disinherit a child
      • Special Needs Trust
  • Life Insurance – Instant Quotes – Universal – Key Man Life
    • Find a lost or missing Life Insurance policy – Pension – Bank Accounts
      • Life Settlements – Sell your unwanted policy
    • Rated – Surcharged Policies Pre Existing Conditions
      • Final Expense – Almost Guaranteed Issue
  • Long Term Care Nursing & Home Health Care
    • Medi Cal – Long Term Care & Nursing Home Estate Recovery – Strategic Planning
• Medi-Cal – MAGI Income Eligibility Criteria
  • Aged and Disabled Federal Poverty Level Program
    • Share of Cost – Medically Needy – Eliminate with Health Insurance Premiums
    • SSI – Supplemental Security Benefits – Automatic Medi Cal – SSDI
      • DAC Disabled Adult Child – Keep Medi Cal – Retirement – Pickle
        • Disabled Adult Children – over 26 – stay on parents insurance
  • Dual Coverage? Medi Cal, Employer Group, Individual, Cal Medi Connect & Medicare
    • dual coverage faq
    • FAQ – Medi-Cal – no index
  • Transitions from Medi-Cal to get Covered CA
    • Redetermination Medi Cal MC #216 & #262
• Medicare Part A Hospital & B Doctor Visits Enroll ONLINE
  • Coverage for Specific Disease or Questions FAQ’s
    • Coverage in Part A Hospital & B Doctor Visits? Part D Rx
    • Demential & Alzheimers Medicare & ACA/ObamaCare coverage
    • Diabetes – Prevention & Coverage under Medicare & ACA
    • End Stage Renal – Kidney Failure – ESRD
    • Hearing Aids Insurance Coverage
    • Hospice Coverage – Medicare
    • Skilled Nursing SNF & Home Health What Medicare Pays
  • Enrollment Tools and Decisions for Medicare
    • Medicare enrollment, if covered by Employer Plan? Retiring?
    • ONLINE Account for Medicare & Social Security
    • Part A Hospital if you don’t have 40 quarters
      • Medicare Funding – Medicare for All
  • Medi Gap – Supplement Plans – non conical
    • Anthem Blue Cross
    • Blue Shield – Medi-Gap – Any Medicare Provider
    • Guaranteed Acceptance – Medi-Gap – Supplemental Plans
      • Medicare Assignment – Find MD’s
      • Price Advantage of Plan G compared to Plan F
    • Health Net Medi Gap
    • UHC AARP Medi Gap
  • Medicare Advantage Plans – Part C
    • Anthem Select HMO MediBlue Plus & SNP
    • Blue Shield 65 Plus – Inspire HMO 2025
    • Enrollment Dates for MAPD – Medicare Advantage & Part D Rx
      • Marketing Rules – Best Plan – SOC Scope of Appointment
      • Residency – CA, USA – Covered CA & Medicare
        • Lawfully Present – Public Charge – Immigration Status
        • Premium – Rating Factors – 19 Geographic Regions
    • Scan
    • SNP Special Needs Plans Medicare Advantage
    • United Health Care
      • UHC U Card
  • Part D Rx Prescriptions no index
    • Anthem MediBlue Rx Part D
    • Blue Shield Rx Part D
    • High Income Surcharge IRMAA Parts D Rx & B Doctor Visits
    • Part D Rx Late Enrollment LEP Penalty Appeals
    • Shop & Compare Tools Part D Rx
      • Part D Rx Low Income Subsidy – LIS – Extra Help
        • Prescriptions Drugs – Rx – Including under 65 ACA
    • UHC United Health Care – Part D Rx
• Site Map

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