January 2012
  Getting Organized In January

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Solid Health Insurance Services 

Health, Life & Trust 
Barbara G.Schmalz 

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310-909-6135

Greetings!
January is always a month of new beginnings filled with the good intentions of getting organized and being in control of your budget. Why not take this energy and review your health and life insurance needs? It is very possible that by switching your plan or insurance carrier you could save $ 50 a month, which will be a yearly savings of $ 600.

Let me help you to guide you through the many plans that are available and, contact me at 310-909-6135 or sent me a quick email.
In This Issue
October is here - what's new in the Health Care Industry?
Have you reviewed you 2012 Health Insurance Rates?
November is Long Term Care Awareness Month
Looking for affordable health insurance?  Find a quote by using the :   
Quick Links




Cigna

 What's new in the Health Care Industry  for January ?

Blue Shield announced their premium rate increase for March 2012

 After 14 months of rate stability, Blue Shield announced for March 2012 a 9.5%  rate increase for Southern California PPO policy plans. The rate increases vary from plan to plan and also depending on the age of the policyholders. The rates
will jump significantly for young families, whereas premiums of "older aged" policy  holders will increase only slightly.   

UCLA and Blue Shield discontinue their negotiations
Since January 1st, Blue Shield policy holders for PPO and HMO plans are unable to access UCLA and UCLA physicians. Hopefully both parties will start to renegotiate soon.   - Read my blog for further details.   

Anthem Blue Cross announces changes for 2012  

Anthem Blue Cross discontinued the 12 months rate guarantees for new applicants. Instead, it will follow Blue Shield, which began in 2011, offering only a 6 months rate guarantee for new applicants. However, Cigna and Aetna still offer a 12 months rate guarantee for 2012. Anthem is also discontinuing its short term health insurance program.

Read my blog for further details  

The Annual Disenrollment period has started ( January1st  - December7th )

In the Medicare Annual Disenrollment Period (ADP) beneficiaries who have a current MAPD or MA plan, may choose to disenroll from their MAPD or MA plan and go back to Original Medicare. Read my blog for further details

   

When was the last time that you reviewed your life insurance ?
Too often we forget that life changing circumstances such as marriage, the purchase of a new home, the birth of a child or even depleted retirement savings should trigger a review of your existing life insurance . Ask yourself whether your family is financially secure if the unexpected should happen?

 Life Insurance rates have been low in recent years, let met me sent a complimentary life insurance quote comparing all of the major life insurance carriers.
Contact me at at 310-909-6135 or email info@solidhealthinsurance. com .

  

   

January is Cervical Cancer Awareness Month
What Are Cervical Cancer Symptoms?
What Are Cervical Cancer Symptoms?

 

January is Cervical Cancer Awareness month. When was your last Pap Smear? 

 

 

 


Wishing you and your family a wonderful start into 2012. May you have good health, much happiness and a prosperous 2012.   

               

Remember love, laughter and good times are the best medicine for you.
Kindly,  
Barbara G. Schmalz
Solid Insurance Services                                                     310-909-6135 
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A gift certificate of $ 15.00 for the company of your choice will be awarded for any referred closed insurance deal. 
Looking for a great real estate broker? Keller Williams
Did you know that my husband is a real estate broker associated with Keller Williams?
Do you know of anyone who wants to move? Are you tired of paying rent?  Problems with refinancing?
Do you want to change your career into Real Estate?
Contact  bob_schmalz@wlaregroup.com