Health Insurance Marketplace (Covered CA or Muti-State) Subsidy Calculator (link) - Offered by the Kaiser Foundation (no relation to Kaiser Permanente)
The following insurance services are available and provided by Retsky Insurance Agency, Inc.:
- Individual Insurance Policies, both OFF and ON-Exchange (Covered California) - ANNUAL OPEN ENROLLMENT FOR INDIVIDUAL HEALTH INSURANCE POLICIES RUNS ANNUALLY: NOVEMBER 1ST through JANUARY 31ST
- During Annual Open Enrollment, you may select a new individual health insurance policy for you and your family members or move to a new policy with no medical underwriting
- It is mandatory for individuals to obtain a health insurance policy as of January 1, 2014 per the Affordable Care Act
- ON-Exchange premium subsidy amounts are calculated using a combination of your age, number of dependents, number of family members wanting coverage and your federal adjusted gross income
- Adam Retsky is a Covered California Authorized Insurance Agent
- ON-Exchange Health Insurance Carriers Include:
- Anthem Blue Cross
- Blue Shield of California
- HealthNet (HMO only for 2016)
- UnitedHealthcare PPO (Ventura County for 2016)
- Kaiser Permanente
- OFF-Exchange Health Insurance Carriers include:
- Anthem Blue Cross
- Blue Shield of California
- Cigna
- HealthNet (HMO only for 2016)
- Kaiser Permanente
- Temporary (Short Term - up to 6 months) Health Insurance Policies
- Accident-Only Insurance Policies (Up to $10,000 payout per accident)
- Critical Illness Insurance Policies (Cancer, Heart Attack, Stroke)
- Large & Small Group Health Insurance Policies
- Groups consist of two (2) or more employees
- Group Health Insurance Carriers include:
- CaliforniaChoice ("Marketplace" carrier offering multiple plans under on umbrella)
- Blue Shield of California
- Anthem Blue Cross
- Kaiser Permanente
- UnitedHealthcare
- Aetna
- Medicare
- Medicare Supplement Policies
- New to Medicare at Age 65 or Under Age 65 on Permanent Disability
- California Birthday Rule: Change your Medicare Supplement policy annually during the month of your birthday with no medical underwriting
- Medicare Part D Prescription Drug Policies
- Medicare Part D (PDP) plans are mandatory for individuals on Medicare
- Annual Open Enrollment for Part D Plans begins October 15th and lasts until December 7th each year
- Change your PDP policy ONLY during the Annual Open Enrollment period; typically done if you are taking new Rx medications and/or to save on your monthly PDP premium amount
- Part D Prescription Drug Plan Carriers include:
- SilverScript
- Humana
- AARP (UnitedHealthcare)
- Anthem Blue Cross
- Blue Shield of California
- Medicare Part C: Medicare Advantage Policies
- Medicare Advantage HMO & PPO Policies
- Typically $0 or very low monthly premium (depending on your county)
- Typically $0 or very low office visit and laboratory copayment amounts
- Includes 'bundled' Part D Prescription Drug Policies
- Medicare Advantage Carriers Include:
- Anthem Blue Cross Medicare Advantage HMO
- Blue Shield of CA Medicare Advantage HMO
- AARP (United Healthcare)
- Medicare Advantage HMO & PPO Policies
- Medicare Supplement Policies
- Dental & Vision Coverage
- Individual and Group Dental Policies
- Dental PPO plans include annual maximum amounts up to $3,000 and 0, 6 or 12-month waiting periods for basic and major services, respectively, but you can typically see dentists in and out of your dental network; Immediate dental PPO plan now available from Delta Dental (no waiting periods for basic or major services)
- Dental HMO plans have NO annual maximums or waiting periods (except for orthodontics), but you must see an in-network Dental HMO dentist to receive insurance benefits
- Dental Carriers Include:
- Delta Dental PPO (only)
- Anthem Blue Cross PPO & Dental HMO
- Blue Shield PPO & Dental HMO
- Vision Carriers Include:
- VSP
- Anthem Blue Cross
- Blue Shield of California
- Life Insurance
- Universal Life Insurance Policies
- Whole Life Insurance Policies
- Term Life
- Term Life Policy Conversions (to UL or Whole Life)
- Long Term Care Insurance
- Long Term Care Insurance Policies are ideal between the ages of 50 and 65
- Life Insurance with Long Term Care Indemnity Policy Rider
Please contact Adam Retsky at Retsky Insurance Agency, Inc. directly at: (818) 878-7210 for policy quotes.
Adam Retsky, Retsky Insurance Agency, Inc.
CA Individual Insurance License No. 0D89975
Licensed in: California, Arizona, Oregon and Washington State
Tel. (818) 878-7210
Fax (818) 878-7212
Cellular (310) 259-1801
Ventura Blvd Temp Line (310) 402-5564
adam@retskyinsurance.com
23300 Ventura Blvd Suite A
Woodland Hills, CA 91364