No Big change in the list of Anthem Blue Cross Providers: But less doctors. Yes! we are concerned and we expect the list to grow. Please call me if you want to help. The Current Provider List.
It's time to get the word out: My hands are tied: But, it's a good thing! We are all frustrated by the new HIPAA Law. (Health Insurance Portability and Accountability Act of 1996. Which, as you can see has been governing our actions since 1996.
It's a good thing because your information is private and no one - Not even your agent - should be able to willy-nilly talk to a third party. It's a bad thing because when you want quick answers, there are none, and everyone must have a special written consent to help you.
I was very frustrated with this law, because my whole career was centered around helping my clients, then came HIPAA, and slowly, over the last 10 years, information became very restricted, my efforts were strangled and my ability to help; limited. But alas, Christie Aschwanden, of the Washington Post, has given credence to the law, and you can see how important all the secrecy is by reading her article: How to protect yourself from medical identity fraud. It's a god read and you will u n d e r s t a n d.
Nothing's perfect but we are working on the providers in our area. According to Anthem Blue Cross: "213 Doctors/Medical Professionals in the Bronze DirectAccess plan within 30 miles of 95966". Please see PROVIDERS.
We expected to see the doctors to share in the cutbacks from the Affordable Care Act, but instead....
See the article: SGR Fix: No Pay Cut!
An article in the Chronicle entitled "Covered California Pulls Troubled Online Physician Directory" caught my eye. My first reaction was to think: "How can anyone believe Covered California anyway?"
The reality is: You don't go to the government spin center to get facts. The actual function of the Exchange "Covered California" is for facilitate the government subsidies based on the rules. The fact that they delved into areas that portrayed them as the insurer has left many folks assuming that they were actually going to make contracts with providers. This assumption is incorrect.
Most of my clients selected Anthem Blue Cross to provide their government subsidized health insurance and the current list of providers for our area is available directly from "The Horse's Mouth" i.e. The Contracting Company.
You can go to this URL and work up a list: Tool for Generating Current Provider Lists by Area
Or you can download the lists I have generated for the Oroville Area:
Anthem Bronze Plan per 2/9/14
Anthem Silver Plan per 2/9/14
Anthem Gold Plan per 2/9/14
Anthem Platinum Plan per 2/9/14
ObamaCare's Individual Mandate: What is the Tax Penalty for Not Having Health Insurance?ObamaCare's individual mandate requires that most Americans obtain health insurance by 2014 or pay a tax penalty. The individual mandate goes into effect January 1st, 2014. The penalty will be applied to your annual taxable income for each month you don't have health insurance (although you do have a 3 month grace period hence the marketplaces being open until March 31st, 2014).
(Taken from http://obamacarefacts.com/obamacare-individual-mandate.php)
When reviewing your tax return to determine the income your Net ACA Policy Premium will be after credits be sure to consider the MAGI (Modified Adjusted Gross Income) as the figure to calculate your premium.
Here is the latest confusing definition of the MAGI
To calculate your modified adjusted gross income, take your AGI and add back certain deductions. Many of these deductions are rare, so it's possible your AGI and MAGI can be identical. According to the IRS, your MAGI is your AGI with the addition of the following deductions, if applicable:
Many of my clients have been waiting for their ID cards and Insurance Documents. They have paid and many checks have been cashed. Others have not been cashed.
Covered California has informed us that documents would be mailed 10-15 days after the money is received. THIS IS NOT HAPPENING!
What to do. MAKE YOUR 1st and 2nd PAYMENT BY 1/31/14!
Pay by Credit Card on internet (Only if you have your Anthem Blue Cross Application ID [taken from the the letter from Anthem Blue Cross])
Click on this link: Anthem Payment Landing
Pay by Credit Card or check over the phone Even without a Application ID or Policy Nr) Call (855) 634-3381
In addition, I am offering an certified delivery of your payment on 1/24/14. YOU MUST HAVE YOUR PAYMENT IN MY OFFICE BY 12:00 pm. Because of the complexities involved...this service is offered with absolutely no responsibility for the US Mail, Anthem Blue Cross or anyone else who handles the delivery or the money.
This Article is interesting because we deal with this problem VERY OFTEN, but not only with Humana, Anthem too. Why?
Maybe you have experienced this problem and maybe you need to team up with the ones suing.
Hypertension is a killer. I need to hear about what you are doing to combat this very insidious disease.
Many of my clients are taking the Brand Name drug Benicar. I ran accross a website that Benicar conjured up to promote and explain the drug. There are even discounts for those that need it. Check it out at: http://benicar.com/saving_money.html
Mark Trumm says
I find Insurance interesting. In 40 years, I have never been so amazed at how things change, but lately things are changing quickly and drastically! I know you have questions, comments and frustrations. Let's unite to help each other!