Health Insurance Archives - Henderson Insurance Services

Henderson Insurances Services | What are they and why do I need it?

April 2, 2019 by admin

You may be overwhelmed with all the different types of insurance you need to research on. Luckily Henderson Insurances can help you find the perfect insurance coverage for whatever you need. Make sure to check out all our services and see which policies are best for you!

Life Insurance

One of the pillars of personal finance, life insurance is something worth looking into for your household. More than thinking of life insurance as an investment, think of it as a risk management tool that will be useful in life threatening instances such as death. Additionally, as complex as life insurance may be, remember that if you have people who rely on you, you may want to consider finding a life insurance policy that best fits your needs as well as your loved ones.

Business Insurance

This type of insurance helps protect your businesses from any losses that may have occurred from external damages and any other damages that may have cause disturbances to the normal course of your business. Business insurance has several types of coverages including property damages, legal liabilities, and employee-related risks. Henderson Insurance can help you evaluate what insurance needs are best for your business based off potential risks and other conditional factors based upon the type of environment your business operates in.

Home Insurance

Home insurance is a type of property insurance which will cover losses and damages of a home. Additionally, home insurance will give home-owners the coverage against any accidents within the home or if there are external damages such as a fire. Pretty self explanatory, however, there may be some frustrating situations in which the home insurance you chose may not cover certain damages. Therefore, it’s important to read up on the policies and choose the right one for your home. Henderson Insurance can help you choose the right home insurance.

Auto Insurance

Driving is something most of us do effortlessly and on a day to day basis. We often forget how dangerous driving can really be, so it’s important to find the right auto insurance that can protect both you and your car. Auto insurance policies apply to cars in order to mitigate the costs associated with an accident. This way, car owners won’t have to pay a hefty amount out of pocket.

Health Insurance

In essence, health insurance covers medical and surgical expenses incurred by the insured. This insurance is a type where the insured will be reimbursed if there has been an injury. Additionally most employer benefit packages will include health insurance. However, if you’re looking for the right health insurance, Henderson Insurances can help find you the right policy.

Dental Insurance

Maintaining your pearly white set of teeth can be confusing. Dental insurance helps you budget and is less complex in comparison to health insurance. With that being said, dental insurance is more straightforward in regards to the different procedures that are covered and how much you should expect to pay out-of-pocket. Dental insurance can be a part of medical insurance plans or as a standalone policy.

Special Event Insurance

Make sure your special event is covered with our Special Event Insurance when the unexpected comes. There are two different types of coverages, a liability coverage and cancellation coverage. Whether you want both or just one, this insurance can help you cover any unforeseen circumstances that may be way out of your control and pose as a threat to your big day.

Health Insurance – Open Enrollment 2018

October 2, 2018 by admin

It’s open enrollment season, which means now is the time to renew or change your health coverage for 2019. This is the only time you will be able to change health policies without a qualifying event. Our certified agents are here to assist you in choosing an insurance plan that fits your needs. Call us today at (909) 784-2055 open enrollment 2018

Health Insurance — Open Enrollment 2017

November 2, 2017 by courtney

It’s open enrollment season, which means now is the time to renew or change your health coverage for 2018.

Our certified agents are here to assist you in choosing an insurance plan that fits your needs.

Call us today at (909) 392-5535.

- November 1, 2017: Open Enrollment started — first day to enroll, re-enroll, or change a 2018 insurance plan through the Health Insurance Marketplace
- December 15, 2017: Last day to enroll in or change plans for 2018 coverage. After this date, you can enroll or change plans only if you qualify for a Special Enrollment Period.
- January 1, 2018: 2018 coverage starts, if premium paid

Health Insurance – Open Enrollment

October 20, 2016 by nanette

Health Insurance Open enrollment for Individuals and Families starts November 1, 2016 for 2017. Act NOW to sign up or change your plan.

Call us now to see if you qualify for Subsidies to help pay the premiums.

FREE Quotes Online at: www. BrokersWhoCare.com

Call us at (909) 392-5535

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Covered California Enrollment and Renewal

October 22, 2015 by nanette

The time is here! If an application was submitted through Covered CA; starting October 12, 2015, individual and families can make changes or renew their current plan for 2016. If they do nothing by December 15, 2015, Covered California will automatically enroll members in their current or an equivalent plan for 2016. Important to mention, some insurance companies are changing their deductibles, benefits, co-payments and networks, so it will be important for all members to carefully review these changes before selecting a plan. Some plans will no longer be offered for 2016 and will be automatically moved onto a similar plan. For those that did not enroll for 2015 and would like to for 2016; starting November 1, 2015, they will be able to submit an application for 2016. For those that did not enroll into Covered CA or want to make a change to their health insurance; starting November 1, 2015 you can make changes for 2016.

Deadline Extension for Covered California Enrollment

February 19, 2015 by nanette

After individuals and families rushed to meet the deadline date to enroll onto a health insurance plan, the government decides it is again going to extend the deadline date to February 22, 2015. Now this is after agents have been telling perspective clients they could not enroll after February 15, 2015. This brands agents as incompetent and ill-informed. It was not until mid-afternoon on Wednesday, February 18th that Covered California send out the notice to agents. So this is our way of apologizing to those individuals who called our office asking to apply for health insurance after February 15th.

Now with the new deadline, from what we have been told, it does not apply to the insurance companies only if an application is submitted through Covered California. You are not permitted to make a plan change. This extension is only for those who did not apply prior to the February 15, 2015.

Truly, we do not understand the mindset of those making these decisions. After all, a deadline date should be a deadline date and not an anticipated extension date.

Why Use a Licensed Agent for Covered California Health Insurance?

February 2, 2015 by nanette

Why not call Covered California or even consider using an unlicensed person to sell you health insurance?

If I did not know better and listened to what the media puts out along with the marketing Covered California has done over the past year and half, I would have probably called Covered California and submitted my application through them. After all, they know what they are doing, right?

Answer to that question is, NO, they have no idea how to “sell” health insurance to people. Covered California is simply an exchange to get the government subsidy. Most of them are not Licensed Insurance Agents and certainly do not have the interest of the client in mind.

So why would anyone trust their health insurance with someone who does not have a license to sell health insurance? Not to mention the years of experience in the health insurance industry.

We have had clients call Covered California where the representatives will take the liberty to start a new application for one of our clients without telling them they will no longer have their agent on the new policy once the application has been submitted. This leaves the client without an agent and therefore must deal with the insurance companies on their own. Having 2 applications in Covered California will create so many complications with the insurance companies not to mention how it will affect the client. Like I said, they do not have the client’s interest in mind.

Having an agent or broker, at least one from our office, does not cost the client additional money. The premiums are the same with or without an agent/broker. We do all the follow-up with the insurance company, handle billing problems, and assist with finding a doctor and more.

What we recommend; do not contact Covered California or submit your application on your own without first speaking with a licensed insurance professional. We have our clients best interest in mind and not our bottom line.

How Insurance Brokers Coped (or didn’t) with Covered California

September 10, 2014 by nanette

insurance-brokers-covered-california Change is nothing new for Insurance Brokers.

Everyone is or should be familiar to changes in life; some are positive changes and others not so positive. However, change is a fact of life and how we deal with those un-welcomed changes is what’s separates the average broker from the exceptional broker.

In the insurance industry, change is way of life for brokers. Changes occur in every aspect of our business, from the way a premium payment is handled to the underwriting of policies and etc. There are so many changes going on it makes your head spin. So, when health insurance brokers were faced with the changes implemented by the Affordable Care Act, we met this change head-on. Brokers attended seminars and read article after article with the latest information on the changes that were to occur.

In the fall of 2013, brokers were required to attend an 8 hour face to face training and then take tests to become certified in order to sell through Covered California.

By October 2013, brokers were prepared to start working with Covered California. When the time came to start submitting applications to Covered California, brokers were faced with the inconceivable…website crashed! There was no way to submit the application electronically. Then we were instructed to fax them, we did and guess what? We were told there was no way for Covered CA to process all of the paper applications.

I could go on and on but I think you get the point. It was a mess to say the least and took months to get our clients enrolled.

Then, we had to deal with the Insurance Companies, and to our surprise, the communication between Covered California and the Insurance Companies was nothing short of incompetent.

So here we are in September 2014, and the communication between Covered California and the Insurance Companies has not improved much. Open enrollment is just 2 months away and the uncertainty Brokers have in dealing with Covered California still lingers.

You see, change is something exceptional Brokers embrace and are not afraid of. We were all thrown into this mess, like it or not, and we will work hard to embrace the upcoming challenges. After all, this is what we do… assist our clients with their health insurance needs.

Just a thought…things would have probably run much smoother if Covered California had solicited the help from Brokers in the design and implementation of the application process and their website.

Covered California Glitches

June 9, 2014 by nanette

In regards to the “Glitches” with Covered California Applications, here are just a few we have experienced at Henderson Insurance Services:

Changes made to just a mailing address and not the home address results in the entire family being placed into Medi-Cal and removed from their current insurance plan.
Changes completed with Covered California are not reaching the individual insurance companies.
Covered California is pointing the finger at the individual insurance company’s and they (the insurance company) are pointing the finger back at Covered California for not submitting changes.
Agents were promised a “fee’ or a one time “commission” for applications submitted through Covered California for Medi-Cal recipients. As of today, May 21, 2014, Agents have been working for “free” because no money has been distributed to Agents.

Insurance Companies are not permitted to make any changes other than billing. All changes must go through Covered California. As stated above those changes are not going to the insurance company. So we (Agents) continue to call until someone does their job. And, who said this would not been fun! Working with any state entity is frustrating, because most people working for these entities do not seem to care about the individual person. It is sad to see our industry being transformed this way.

These are just our personal opinions and experiences.

Are Insurance Agencies Optimistic About Healthcare Reform?

May 14, 2014 by nanette

Agents and Healthcare Reform Agents have proved to be the largest source of applications and enrollments in Covered California, outside of the self-enrollments. Agents have incurred considerable costs with no assistance from the federal or state government. Agents can attest to the technical problems not just with the Covered California website but with the Insurance Company websites as well. Not to mention the long hold times on the phone or not being able to contact the insurance company or Covered California at all. This by far has brought challenges to the independent agent.

I wonder just how many people really know what they purchased if they did not use an agent to help them enroll onto a plan. We all have heard about PPO’s and HMO’s now there is another, “EPO’s”. Be careful of this type of plan, it acts much like an HMO.

Let’s not forget the clients we serve…almost everyone who had an Individual or Family Health plan prior to 2014 lost their plan and most were not able to keep their doctors.

Communication between Covered California as well as the individual Health Insurance Companies has been inadequate. In the years I have been working in this business I have not seen anything like this. Over the past month and ½ it has improved somewhat however, there is still the task of making sure Agents receive their commission from the insurance companies. This most certainly will take several man hours to accomplish due to the inefficiencies we have seen with the insurance companies and Covered California.

As the account manager for Individual and Family health insurance for our agency this has by far been the most challenging “change” to occur in the health insurance industry. My personal opinion, it is a poor “fix” to the Health Insurance issues facing Americans.

Now let us not forget the insurance premiums; for three quarters of our client base, premiums doubled and in some cases tripled. Please explain to us how this is “Affordable HealthCare”?

The only positive, if you can say this as a positive, from my perspective is the fact that thousands of individuals and families have now been placed into the Medi-Cal system. This has created large backlogs with many still waiting to receive an ID card.

Optimism is something I wish I could say I have when it comes to Healthcare Reform but I do not. With the employer mandate still yet to be implemented we will look forward to more of the same I am afraid.

More to come…