Pages

• ACA Health Care Reform – Obamacare Introduction
  • 10 Essential Mandatory Benefits + CA Benefits
    • Mental Health – ACA/Health Reform Mandated Essential Benefit
      • Mental Health – Outpatient – Therapist – Medicare
      • Resources – Mental Health
        • Lanterman – LPS – Conservatorship
          • Murphy Conservatorship – Civil Commitment – Incompetent to Stand Trial
        • Organizing, Hoarding, & Cluttering
        • Scapegoated? blame – whose fault
          • Toxic and Controlling People
    • Pre-Existing Conditions – No more!
    • Preventative Care & Wellness Programs
      • Corona Virus – How does Insurance Cover it? – Relief Programs
      • Preventative Care – Wellness Visit – Medicare
      • Wellness – Kaiser Programs
        • Nutrition & Weight
  • 80% Medical Loss Ratio (MLR) – Actuarial Value
    • CA Insurance Rate Regulation
      • Premium increases? Why are they always going up?
        • Financial Impact of Health Care Reform on Premiums
  • Heath Reform Upheld as a tax NFIP vs Sebillius
    • California vs Texas Supreme Court – ACA unconstitutional
  • MAGI – Modified Adjusted Gross Income – Line 37* Now 7 or 8b
    • APTC Advance Premium Tax Credit – Subsidies – Introduction
      • 1095 A, B & C & FTB 3895 Covered CA Statement of Subsidy & Proof of Coverage
      • 8962 Premium Tax Credit APTC Form attaches to Form 1040
        • Medi Cal – Income Drop? Tax or Subsidy Pay Back?
        • VITA FREE help – Covered CA Warning Memo
      • Affordable Employer Health Coverage? Employee ONLY 9.86% Family Glitch
      • Age 65 – Can you get Tax Credits Subsidies Covered CA?
      • Native American – Indian – Chumash – Lakota – Aho
      • Premium Subsidy to 600% FPL + Mandate Penalty?
        • Mandate Penalty California – MEC – QHP – 5000 A
          • 10 Reasons that you need Health Insurance
            • Medical Bankruptcy
          • Employer Mandate for Health Insurance ACA 4980 h
            • 6056 – w -2 – spd etc Reporting
              • ERISA Employee Retirement Income Security Act — 1974
              • HR – PEO Support ADP Payroll Services & Alternatives
            • FTE – ALE Full Time & Equivalent Employees
          • Health Sharing Ministries – Not Protected by Insurance Guarantees
          • Lawfully Present – Public Charge – Immigration Status
      • Subsidies Upheld – King v Burwell
    • Income Chart – Line 11 1040 Covered CA MAGI
      • Household Definition for Medi Cal – Who counts?
    • Report a Change – How & When – Especially Income
      • Conditional Eligibilty
      • Create Account for Covered CA from access code
        • Appoint us as your Covered CA Broker – No extra charge
      • Fudging the Income or Deductions?
        • Perjury – What is the definition?
        • What is hearsay? Someone else said on the phone? Gossip
      • Proof of Income – Accepted Documents
    • Table of Contents – Details of Income, Deductions & Expenses for MAGI
      • Alimony – From a Divorce Settlement
        • Child Support – Adoption – Tax Credit – Enter Military
        • Married – Must File Jointly, Single, etc? Filing Status?
      • Capital Gains, Sale of Home & Dividends
        • Rental Income? Line 17 Home Mortgage Interest
          • 1031 Exchange – Investment Property – Rental Units
          • Tenant’s – Renters Rights – Finding Low Income Housing
      • Clergy – Housing Allowance? Covered CA MAGI Income
        • Charitable Donations
        • Employee Business Expense Unreimbursed
      • Debt Cancellation? Foreclosure?
      • Educational Credits – Student Loan Interest
      • Gambling Income & Losses – Other Income Line 21
  • Metal Levels – Platinum, Gold, Bronze – Silver & Enhanced
    • Enhanced Silver 94, 87, 73 Cost-sharing reductions
    • HSA Health Savings Accounts
      • Employer Equal Contributions for employees?
    • OOP -Out of Pocket Maximum – Participating or Not? Deductibles & Co- Pays
      • Negotiated Rates – Balance Billing? Transparency
    • Provider – Doctor & Hospital Finder – no index follow
      • Buy Travel & International Insurance – Geo Blue – Insubuy
        • Blue Shield PPO Out of State & Country
      • Cedar’s Sinai – Thipa – Optum – UCLA – stanford Insurance Plans Accepted
      • Medicare Assignment – Doctor Participating or Not?
      • Narrow Lists? Fewer MD’s than before? Mirrored Plans?
        • Continuity of Care same doctor chronic illness if you change plans
        • Emergency Room – Obligation to treat uninsured patients
  • Special Enrollment Periods Covered CA & Direct with Broker
• Appeal & Grievances? Medicare – Medi Cal – Covered CA
  • Grace Periods? NEVER get cancelled Non-Pay!!!
    • Never got bill? USPS Informed Delivery
  • Last Minute Application? When does coverage start? Competent Adults
  • Medical Necessity – reasonable and necessary Independent Medical Review
  • Plain Meaning Rule – Read the policy 3 times
    • EOC Evidence of Coverage Value and how to find
      • 30 Day Free Look – Right to view EOC
    • Maxims of Law – Proverbs
• Contact Us & License Info
  • 17 Reasons to use Steve Shorr Insurance
    • Biography – Steve Shorr
      • Lt. Paul S. Shorr US Army – Korea
      • Non Insurance Websites
        • Croatia July 2021
        • Princess Louise
        • Tennis Links
        • Web Design
          • Home Page Mock Up
          • Portfolio
    • Purchase Tutoring, Research & Education
    • Testimonials – “Yelp” Reviews
  • Set a Meeting – Zoom, Skype or Phone
    • Meeting – Expectations – Terms of Service
      • Privacy Statement
        • Privacy – Federal HIPAA
          • CA Privacy Laws – Mandated Records Retention
            • Right to review your Medical Records
          • Email Privacy
        • Visitor Agreement
• Employer Health Plans – Introduction
  • AB 1083 – PPACA – CA law to comply with Federal Law
    • 90 Day Maximum Waiting Period?
      • Late Enrollee – Triggers – Qualifying Events
    • Definitions Health Care Reform
      • EmployER Definition – Health Care Reform
        • 1099 vs Employee & Other Defintions
          • Telemarketing Training
        • EmployEE Definition
          • Dependent Definition – Up to Age 26 – Add newborn baby
            • Registered Domestic Partners – Spousal Health Coverage?
    • Insurance Company requirements AB 1083
      • Employer Group Association Plans – Trump’s Executive Order – CA prohibition
      • Health & Safety Code Requirements Insurance Companies must Follow!
    • Participation & Contribution Requirements
      • Documents to show bonafide Employer in business
        • Fictitious Business Name
      • Enforcement – Participation – Recertification – Actively @ Work
        • Actively @ Work Corona Virus Quarantine?
        • Why enroll in your Employers Group Health Plan?
      • Management Carve Outs
        • Common Ownership – Affiliated Companies – Corporations
        • Salary Discrimination §2716 – Not enforced
        • Similarly Situated Employees
      • Special Annual Open Enrollment – NO Rules!
  • Carriers – Companies Employer Group
    • Aetna
    • Blue Cross – Anthem
      • Administrative, Renewal & Wellness Tools
      • Anthem Blue Cross Dental
    • Blue Shield
      • Administrative
      • Blue Shield Dental
    • California Choice – Multiple Companies ONE Bill
    • Health Net
      • Administrative, Wellness & Renewal Tools
    • Kaiser Permanente – New Enrollment
      • Administrative Tools & Info
    • Oscar
    • Sharp Health Plan
    • SHOP – Covered CA for Small Business
      • Dental
    • Sutter Employer Health Plans 2021
    • United Health Plan
      • Administration & Wellness
  • COBRA & California Cal-COBRA 36 months total coverage
  • Dental, Vision, Supplemental
    • Supplemental – Cancer
  • Quotes Employer Group – California – Instantly
    • Premium – Rating Factors
  • Tax Credits Small Business §45 R
    • IRC §106 Health Insurance Deduction for Employers & Employees
      • Schedule C – Self-Employment Income – Hobby? Office in home?
    • Section §105 -HRA Health Reimbursement
    • Section 125 – POP Plan Employee Contributions are Tax Deductible
      • §125 Cafeteria Plan – Full Benefit
• Individual & Family Health Insurance CA
  • Companies – Carriers
    • Blue Cross – Anthem Individual
      • Blue Cross Dental – Individual & Family
      • Grandfathered Plans – April 2020
        • Grand Fathered Plans What does that mean?
    • Blue Shield 2021 PPO & Trio
      • 2021 Trio HMO ACO
      • Blue Shield Dental & Vision
      • Member Portal – How to set yours up
    • Health Net 2021 Individual Information & Enroll
    • Kaiser Permanente – Enrollment – Pay Premium ONLINE
      • Kaiser Medical Financial Assistance Program (MFAP)
    • LA Care – Medi Cal & Covered CA
    • Molina Health Care
    • Oscar Health Insurance
    • Sharp Health Plan
    • Sutter Health 2021
    • Western Health Advantage
  • Dental & Vision for Adults and Mandatory Pediatic as an essential benefit
    • Covered CA Dental
    • Dental Implants
    • Dental under Medicare is very limited – 2022 Budget to increase benefits
    • Vision
• Life, Disability, Long Term Care & Retirement
  • Disability Income – Pay Check Protection
    • SDI State Disability Insurance – Not Eligible for COVID unemployment stimulus
      • SDI for Business Owners
        • SBA CoronaVirus Loans
      • SDI State Disability Benefits Taxable?
      • Unemployment Compensation – Can’t find job – Corona Pandemic – Family Leave- Free Silver 94
        • Unemployment Compensation? MAGI Income?
  • Estate Planning
    • Estate & Gift Taxes
      • Coverdell Education Savings Account & 529
      • 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
    • Proposition 13 Lower Property Tax on Inheritance
  • 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
      • Final Expense – Almost Guaranteed Issue
  • Long Term Care Nursing & Home Health Care
    • §1035 Exchange of Annuities or Life Insurance for Long Term Care Planning
    • 7 Activities of Daily Living ADL
      • CA Law – Long Term Care
    • Employer Groups – Long Term Care
    • Medi Cal – Long Term Care & Nursing Home Estate Recovery – Strategic Planning
    • Tax Qualified LTC Policy
    • True Freedom – Home Health Care ONLY Coverage
  • Retirement Planning & MAGI Income
    • Annuities & MAGI Income Taxation Exemption
      • Jackson National
      • Private Annuities
      • TSA-Teacher Retirement Plans – Tax Sheltered Annuities
    • Business – Employer Sponsored Retirement Plans
      • 401 K
        • FAQs
      • Secure Choice -CA State Run Retirement System
      • Selling and Valuation of an Insurance Practice?
      • SEP – Simplified Employee Pension
    • IRA – Individual Retirement Account
• Medi-Cal – CA Version of Medicaid
  • Contact Info – Enroll ONLINE Medi-Cal
    • Cal Fresh – SNAP – Food Stamps – WIC
    • Enroll ONLINE Los Angeles
  • Eligibility Criteria for Medi-Cal – MAGI Income
    • Aged and Disabled Federal Poverty Level Program
      • IHSS In Home Supportive Services
      • Part B Medicare Premium paid by Medi Cal – Part D Rx?
      • Share of Cost – Medically Needy – What is it?
      • SSI – Supplemental Security Benefits – Automatic Medi Cal – SSDI
        • California Teachers & Social Security Disability
        • DAC Disabled Adult Child – Keep Medi Cal – Retirement
          • Disabled Children – over 26 – stay on parents insurance
          • Representative Payee
    • Pregnant Women – Medi-Cal Eligibility – Breast & Cervical Cancer
      • Infertility
    • Release or kicked out Medi-Cal get Covered CA
  • Full Scope Medi-Cal – Benefits & Coverages
    • Denti Cal & Vision
    • Dual Coverage? Medi Cal, Employer Group, Individual, Cal Medi Connect & Medicare
  • Redetermination? Renewals? Verification
    • Bank Statement Review
• Medicare – Introduction – Part A Hospital – B Outpatient – D Rx Medi Gap & MAPD
  • Fraud, Scams, Waste & Abuse
    • Risk Adjustment Fraud Bumping up illness to get more $$$
  • Medi Gap – Supplement Plans – non conical
    • Anthem Blue Cross
    • Blue Shield – Medi-Gap – Any Medicare Provider
    • Guaranteed Acceptance – Medi-Gap – Supplemental Plans
    • No more plan F? Only G? MACRA
  • Medicare Advantage Plans – Part C
    • Anthem MediBlue Plus
      • SNP Anthem Blue Cross
    • Blue Shield 65 Plus – Inspire HMO 2021
      • Dental & Vision
      • Provider Directories, Search Tools & Instructions
      • Trio Medicare – Blue Shield – Sacramento
    • Enrollment Dates for MAPD – Medicare Advantage & Part D Rx
      • Residency – CA, USA – Which State?
        • Outside of USA – Meet Deadline – Web Visitor Q & A
    • Marketing Rules – Best Plan – SOC Scope of Appointment
      • Obscure Medicare Health Plans – Not in CA
        • Motion Picture Industry Pension & Health Plan
        • Northup Grumman Medicare Supplements? & LACERA
        • Veteran’s Benefits
    • Togetherness – Loneliness Social Determinants of Health
    • United Health Care
  • Part D Rx Prescriptions
    • Blue Cross Rx
    • Blue Shield Rx
    • Donut Hole – Coverage Gap
    • Maximus Appeals LEP Late Enrollment Penalty
      • Employer Credible Coverage
    • Premiums for those with High Income Parts D Rx & B Doctor Visits
    • Shop & Compare Tools Part D Rx
      • Part D Rx Low Income Subsidy – LIS – Extra Help
        • Prescriptions Drugs – Rx – Including under 65 ACA
    • UHC – Part D Rx
  • Seminar – Medicare Information ONLINE
    • ONLINE Account for Medicare & Social Security
    • Original Medicare & Medi-Gap – Supplement vs Medicare Advantage MAPD
  • Single Payer Cal Care AB 1400 – Medicare for All? – Funding
  • What’s Covered in Part A Hospital & B Doctor Visits? Part D Rx
    • Chiropractic – Medicare A & B – MAPD
    • Diabetes
    • Durable Medical Equipment
    • End Stage Renal – Kidney Failure
    • Enroll ONLINE for Medicare Part A Hospital & B Doctor Visits
      • Part A Hospital rules for zero premium
        • LAUSD Medicare Qualification
      • Part B – Doctors – How to sign up – Benefits
        • Medicare need if covered by Employer Plan? Retiring?
          • Employer Deduction for Medicare Premiums?
        • Part B Late Enrollment Penalty
          • Ex Pats Medicare if not USA resident
    • Hearing Aids
    • Physical therapy – occupational speech
    • Skilled Nursing SNF & Home Health What Medicare Pays
      • Hospice Coverage – Medicare
• Site Map
• skilled nursing mass email
• Social Security – Retirement Benefits – Survivors – When?
  • Social Security Benefits MAGI Covered CA Income Subsidies

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