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• 2022 renewal
• 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
        • Organizing, Hoarding, & Cluttering
    • Pre-Existing Conditions – ACA No more!
    • Preventative Care – Wellness Visit – Medicare
      • Corona Virus – How does Insurance Cover it? – Relief Programs
      • Togetherness – Loneliness Social Determinants of Health
  • 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 11
    • APTC Advance Premium Tax Credit – Subsidies – Introduction
      • 8962 Premium Tax Credit APTC Form attaches to Form 1040
        • 1095 A, B & C & FTB 3895 Covered CA Statement of Subsidy & Proof of Coverage
        • Medi Cal – Income Drop? Tax or Subsidy Pay Back?
      • Affordable Employer Health Coverage? Employee ONLY 9.86% Family Glitch
      • Age 65 – Can you get Tax Credits Subsidies Covered CA?
      • Premium Subsidy to 600% FPL + Mandate Penalty?
        • Mandate Penalty California – MEC – QHP – 5000 A
          • 10 Reasons that you need Health Insurance
          • 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
      • Subsidies Upheld – King v Burwell
    • Income Chart – Line 11 1040 Covered CA MAGI
    • 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?
        • Last Minute Application? When does coverage start? Competent Adults
      • 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 – Tenant Rights
          • 1031 Exchange – Investment Property – Rental Units
      • Clergy – Housing Allowance? Covered CA MAGI Income
      • 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
    • 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
    • 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
          • Medical Bankruptcy – Can’t pay bill?
  • Special & Open 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
  • 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
    • Fraud, Scams, Waste & Abuse Risk Adjustment
    • 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 no index follow
  • Carriers – Companies Employer Group no index follow
    • Aetna Employer Group Coverage
    • Blue Cross – Anthem
      • Administrative, Renewal & Wellness Tools
    • Blue Shield
      • Administrative
      • Blue Shield Dental
    • California Choice – Multiple Companies ONE Bill
    • Health Net
    • Kaiser Permanente – New Enrollment
      • Administrative Tools & Info
    • Oscar
    • Sharp Health Plan
    • SHOP – Covered CA for Small Business
    • Sutter Employer Health Plans 2021
    • United Health Plan
      • Administration & Wellness
  • Dental, Vision, Supplemental
  • EmployER Definition – Health Care Reform
    • 1099 vs Employee & Other Defintions
      • Telemarketing Training
    • EmployEE Definition
      • COBRA & California Cal-COBRA 36 months total coverage
      • Dependent Definition – Up to Age 26 – Add newborn baby
        • Registered Domestic Partners – Spousal Health Coverage?
  • Participation & Contribution Requirements
    • Documents to show bonafide Employer in business
    • Enforcement -no index
      • 90 Day Maximum Waiting Period?
        • Late Enrollee – Triggers – Qualifying Events
      • Employer Group Association Plans – Trump’s Executive Order – CA prohibition
      • Why enroll in your Employers Group Health Plan?
    • Management Carve Outs
      • Common Ownership – Affiliated Companies – Corporations
      • Salary Discrimination §2716 – Not enforced
      • Similarly Situated Employees
  • Quotes Employer Group – California – Instantly
  • 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
• Individual & Family Health Insurance CA
  • Companies – Carriers
    • Blue Cross – Anthem Individual
    • Blue Shield 2022 PPO & Trio
    • Health Net 2022 Individual Information & Enroll
    • Kaiser Permanente – Enrollment – Pay Premium ONLINE
    • LA Care – Medi Cal & Covered CA
    • Molina Health Care
    • Oscar Health Insurance
    • Sharp Health Plan
    • Sutter Health Individual & Employer Plans 2022
    • Western Health Advantage
  • Dental & Vision for Adults and Mandatory Pediatic as an essential benefit
    • Dental Implants
    • Dental under Medicare is very limited – 2022 Budget to increase benefits
• Life, Disability, Long Term Care & Retirement
  • Disability Income – Pay Check Protection
    • SDI State Disability Insurance – Taxable? Not Eligible for COVID unemployment stimulus
      • SDI for Business Owners
      • 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
      • Final Expense – Almost Guaranteed Issue
  • Long Term Care Nursing & Home Health Care
    • Medi Cal – Long Term Care & Nursing Home Estate Recovery – Strategic Planning
  • Retirement Planning & MAGI Income
    • Annuities & MAGI Income Taxation Exemption
      • Jackson National
      • TSA-Teacher Retirement Plans – Tax Sheltered Annuities
    • Business – Employer Sponsored Retirement Plans
      • Secure Choice -CA State Run Retirement System
      • Selling and Valuation of an Insurance Practice?
      • SEP – Simplified Employee Pension
    • IRA – Individual Retirement Account
    • Social Security – Retirement Benefits – Survivors – When?
      • Social Security Benefits MAGI Covered CA Income Subsidies
• Medi-Cal – California’s version of Medicaid
  • Contact Info – Complex Questions – Reference Materials Medi-Cal
  • Eligibility Criteria for Medi-Cal – MAGI Income
    • Aged and Disabled Federal Poverty Level Program
      • Share of Cost – Medically Needy – What is it?
      • SSI – Supplemental Security Benefits – Automatic Medi Cal – SSDI
        • DAC Disabled Adult Child – Keep Medi Cal – Retirement
          • Disabled Children – over 26 – stay on parents insurance
    • Transitions from Medi-Cal to get Covered CA
  • Full Scope Medi-Cal – Benefits & Coverages – no index
    • Dual Coverage? Medi Cal, Employer Group, Individual, Cal Medi Connect & Medicare
• Medicare – Introduction – Part A Hospital – B Outpatient – D Rx Medi Gap & MAPD
  • Coverage in Part A Hospital & B Doctor Visits? Part D Rx
    • Diabetes – Prevention & Coverage under Medicare & ACA
    • End Stage Renal – Kidney Failure – ESRD
    • Skilled Nursing SNF & Home Health What Medicare Pays
      • Hospice Coverage – Medicare
  • Enroll ONLINE for Medicare Part A Hospital & B Doctor Visits
    • Medicare enrollment, if covered by Employer Plan? Retiring?
    • ONLINE Account for Medicare & Social Security
    • Part A Hospital rules for zero premium
      • Single Payer Cal Care AB 1400 – Medicare for All? – Funding
  • 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
    • UHC AARP Medi Gap
  • Medicare Advantage Plans – Part C
    • Anthem MediBlue Plus
      • SNP Anthem Blue Cross
    • Blue Shield 65 Plus – Inspire HMO 2022
    • Enrollment Dates for MAPD – Medicare Advantage & Part D Rx
      • Marketing Rules – Best Plan – SOC Scope of Appointment
      • Residency – CA, USA – Which State?
        • Ex Pats Medicare if not USA resident
        • Lawfully Present – Public Charge – Immigration Status
        • Premium – Rating Factors – 19 Geographic Regions
    • Original Medicare & Medi-Gap – Supplement vs Medicare Advantage MAPD
    • United Health Care
  • Part D Rx Prescriptions
    • Blue Cross/Anthem Rx Part D
    • Blue Shield Rx Part D
    • LEP Late Enrollment Penalty Appeals
    • 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
• Site Map
• skilled nursing mass email

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