August, 2010 Back to School Health Tips

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Solid Health Insurance solidhealthinsurance logoServices
Health, Life & Trust  
Greetings!
 
 Back to school - You might feel both happy and sad at the same time. Happy to get back into a routine and sad because the summer just flew by. Now it is time for parents and Barbara headshotchildren alike to start preparing for a new school year filled with new adventures. These preparations should include efforts to reduce the pressures and stresses that come with busy school schedules and activities.
 On my blog you can find some helpful and healthy tips to help you towards a smooth transition back to school.
 
Next Month - Six Important Health Care Reform Changes will become effective
Healthcare reform September 23rd will be a significant day in the Health Care Industry.
1) Lifetime limits on the dollar value of benefits will be prohibited in plan years beginning on or after 9/23/2010 for almost any insurance plan.
2) Dependent coverage has been extended up to age 26 years.
3) All group and individual plans have to cover pre-existing conditions for children up to age 19.
4) Health coverage rescission will be prohibited for all health insurance markets, except for cases of fraud or intentional misrepresentation in plan years beginning 9/23/2010.
5) All group and individual plans have to cover specific preventive care services with no-cost sharing in plan years beginning 9/23/2010. Also, emergency services have to be covered at in-network level regardless of provider.
6) A New Pre-Existing Condition Insurance Plan(PCIP)  will be effective September 1st. Rates are lower than the MRMIP Plan. Applications are available as of 8/31/10.

In This Issue
Next Month - Six Important Health Care Reform changes will become effective
Anthem Individual Rate Increases are effective October 1st
September is Life Insurance Awareness Month
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Anthem & Blue Shield Individual Rate Filings are effective October 1st
 
AnthemSix months after the miscalculated March rate filing, Anthem has new rates in the individual insurance market that will become effective October 1st.This average of 14 % rate increase is significantly lower than the original filing. Anthem is anticipating a more than a " $ 100 million business loss on the Individual market in California for 2010. Anthem says  "Given the current environment, a compromise to accept these losses were in everyone's best interest when compared with the alternative of a further rate adjustment delay."
Blue Shield Rate increases on the Individual Plans will average 19%.
Send in your application now so that you can lock your rates for the next 6 to 12 months based on the old rates. 
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September is Life Insurance Awareness Month
Life insurance Awareness MonthWe all hope to live a long life, but statistically each year 465,000 Americans will die prematurely, leaving behind loved ones who will have to manage financially in their absence. If you were to die prematurely, would your family be financially secure or would life become a struggle?  Life insurance can help to take the guesswork out of this questions. Use this helpful Life Insurance Needs Calculator offered by the nonprofit LIFE Foundation, establish if you and your family have enough life insurance. I represent many reputable life insurance companies, such as Allianz, Genworth and Mutual of Omaha, please contact me if you have any questions about life insurance.
Wishing you a wonderful Labor Day weekend and a successful start for the new School Year ! 
To all my Jewish clients, friends and family a  L'Shana Tova and a meaningful fast.

Labor DayRemember love, laughter and good times are the best medicine for you.
 
Relax, Love, Laugh and enjoy the End of the Summer.
Sincerely,
 
Barbara Schmalz                                            
  
Solid Insurance Services
310-909-6135 
 
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