Working with CACHIS

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Why should I work with an independent insurance broker?
An independent broker can help you compare coverage options from multiple insurance carriers and find a plan that fits your needs and budget.  My services are provided at no cost to you.
 

Can we meet virtually?
Yes. CACHIS provides virtual appointments throughout California, making it easy to review your insurance options from the comfort of your home.

 

Covered California
 

What is Covered California?
Covered California is California’s health insurance marketplace. It allows individuals and families to compare health plans and determine whether they may qualify for financial assistance to help lower healthcare costs.
 

Can I get financial help paying for health insurance through Covered California?
Possibly. Eligibility for financial assistance is generally based on factors such as household size and estimated annual household income. I can help you review your options and determine what assistance may be available.

 

Medicare Supplement / Medigap
 

What is the difference between Original Medicare and Medicare Supplement insurance?
Original Medicare provides Part A and Part B coverage. Medicare Supplement insurance, also known as Medigap, helps pay certain out-of-pocket costs that Original Medicare does not cover.
 

Can I keep my doctor with a Medicare Supplement plan?
Generally, you can see any doctor or healthcare provider nationwide who accepts Medicare. Medicare Supplement plans typically do not use provider networks.
 

Does Medicare Supplement insurance cover me when I travel?
Medicare Supplement plans can provide coverage anywhere in the United States where Medicare is accepted. Some plans also provide limited coverage for emergency medical care during foreign travel.
 

Does Medicare Supplement insurance include prescription drug coverage?
No. Medicare Supplement plans sold today do not include outpatient prescription drug coverage. Prescription coverage is available separately through a Medicare Part D plan.
 

When is the best time to enroll in a Medicare Supplement plan?
Your Medigap Open Enrollment Period generally begins when you are 65 or older and enrolled in Medicare Part B. During this six-month period, you generally have greater protections when purchasing a Medigap policy.
 

How much does Medicare Supplement insurance cost?
Premiums vary depending on the insurance company, plan, location, age, and other factors. I can help you compare available plans and rates.
 

Is there a penalty if I don't enroll in Medicare Part D when I'm first eligible?
You may owe a late enrollment penalty if you go without Medicare prescription drug coverage or other creditable prescription coverage for 63 consecutive days or more after your Initial Enrollment Period.

 

Small Business / Employee Benefits
 

What types of employee benefits can a small business offer?
Depending on the business and carrier, benefits may include medical, dental, vision, accident, critical illness, hospital indemnity, disability, and other supplemental coverage.
 

Can employee benefit packages be customized for my business?
Yes. Benefit packages can often be designed around your company’s size, budget, employee needs, and available carrier options.
 

Can small businesses offer employee benefits?
Yes. Small businesses may have several options for offering health and supplemental benefits. I can help you explore available options based on your number of eligible employees and business needs.

 

Ancillary Coverage
 

What is ancillary insurance?
Ancillary insurance provides additional protection beyond primary medical insurance. Depending on the policy, coverage may include dental, vision, accident, critical illness, hospital indemnity, and disability benefits.

 

Clever RX
 

What is Clever RX?
Clever RX is a free prescription discount program that may help reduce the cost of prescription medications at participating pharmacies. Clever RX is not health insurance.
 

Can I use Clever RX if I already have health insurance?
Yes. You can compare the Clever RX discounted price with the price available through your insurance and choose which option works better for that prescription.