Tuesday, October 4, 2022
HomeHealth InsuranceCauses To Select J.C. Lewis For Well being Insurance coverage In California

Causes To Select J.C. Lewis For Well being Insurance coverage In California


This Weblog Was Up to date in Might of 2022

WHILE THERE ARE MANY AREAS IN LIFE THAT WE MIGHT ENGAGE IN DIY, OR DO-IT-YOURSELF, OPTIONS, SOME TASKS REQUIRE EXPERTISE THAT WE MAY NOT HAVE. ONE OF THESE IS FINDING AND CHOOSING THE BEST HEALTH INSURANCE PLAN FOR OURSELVES OR OUR FAMILIES.

As well as, house owners of smaller companies typically want to seek out the perfect plan choices to supply their staff. And the actual fact is that most individuals aren’t specialists within the realm of medical health insurance protection.

Which is why having the help and steering of a good professional in medical health insurance could be vitally necessary and useful.

In fact, in California it’s comparatively straightforward for people to buy a well being plan for themselves, or for his or her households and themselves. Nonetheless, the choices are so different and the distinctions between varied plans are so complicated, that it’s fairly doable to choose a plan that’s removed from being the perfect match in your wants.

All of which is why having an skilled and professional insurance coverage agent like J.C. Lewis Insurance coverage could make the distinction between a sub-par well being plan and discovering the perfect answer in your medical health insurance wants.

 

FOR HEALTH INSURANCE, CALIFORNIA NORTH BAY RESIDENTS HAVE J.C. LEWIS INSURANCE

One of many advantages of medical health insurance plan choices for these residing in California is that staff do not need to just accept the plans offered by their employers. For those who select to decide out of your organization’s plan choices, you may, when you desire, store instantly with medical health insurance suppliers or by way of the state’s well being change often known as Lined California.

Nonetheless, what you’ll doubtless discover is that the choices could be overwhelming.

Lined California, for instance, at the moment works with 13 completely different medical health insurance suppliers, every of which provides a number of plans beneath no less than 4 completely different classes often known as Platinum, Gold, Silver, and Bronze plans. And this doesn’t have in mind the choices of catastrophic plans and short-term plans.

Most people seeking to buy a medical health insurance plan are involved with affordability, in fact, but additionally with ample protection and availability of providers. And these are elements that may be troublesome to find out with out an in depth data of the business.

The very fact is that the healthcare insurance coverage business is difficult and frequently altering. As well as, there are timelines to adjust to and limitations based mostly on revenue and geography.

The excellent news is that for California North Bay residents, J.C. Lewis Insurance coverage is out there to assist people and enterprise house owners navigate the “turbulent seas” of well being care protection.

 

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WHY YOU MUST BE INSURED IF YOU LIVE IN CALIFORNIA

Most adults are conversant in the passage of the Reasonably priced Care Act (ACA) again in 2010. Generally known as Obamacare, one of many stipulations of the laws was the person mandate. This was the requirement for all eligible residents to have medical health insurance or else be topic to a tax penalty.

As of 2019, the Obamacare particular person mandate was primarily made null and now not applies on the federal degree. Nonetheless, a couple of states, comparable to California, applied their very own model of the person mandate.

The California Franchise Tax Board (FTB) imposes a penalty for not having medical health insurance that’s both the higher of two.5 p.c of the family annual revenue or a flat greenback quantity of $750 per grownup and $375 per baby within the family. And these numbers can enhance every year based mostly on inflation.

Whereas these figures could appear acceptable to some who might really feel they don’t need to buy insurance coverage, the median family revenue within the North Bay is someplace round $120,000. That might work out to an annual penalty of virtually $3,000 per 12 months.

 

FOUR REASONS TO CHOOSE J.C. LEWIS FOR HEALTH INSURANCE IN CALIFORNIA

Life presents us all with a sequence of selections, some tougher than others. Discovering and selecting a medical health insurance plan can rank up there with one of many extra concerned choices lots of should make.

If you’re an worker and your organization offers a sturdy advantages package deal together with medical health insurance plan selections, the choice is commonly merely choosing one plan over one other. However if you’re an employer making an attempt to make sense of the assorted stipulations and necessities of group protection, or a person who must discover a plan by yourself, it may be useful to have a agency like J.C. Lewis Insurance coverage that can assist you by way of the method.

There are various good causes to decide on us that can assist you along with your medical health insurance wants, and listed here are 4 of the highest causes.

 

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WE HELP YOU THROUGH THE PROCESS

At J.C. Lewis, the medical health insurance choice course of for each people and small enterprise house owners is one thing that we’ve got many years of expertise with. And our professional workforce of brokers are effectively geared up that can assist you by way of the method, no matter your wants.

We perceive, for instance, {that a} precedence for a lot of people and households when contemplating the bewildering number of completely different medical health insurance plans obtainable is to seek out one that matches your wants and your funds.

As skilled brokers, we are able to confidently work with you to match plan particulars and clarify charges and pricing, in addition to clarify in easy phrases any complicated options or unfamiliar verbiage.

Our brokers also can stroll you thru the method to find out when you qualify for subsidies on Lined California particular person or household protection insurance coverage premiums. We may even make suggestions for plans we imagine could be the most suitable choice for you, otherwise you and your loved ones.

A J.C. Lewis agent may even take the time to help you thru the coverage software course of, in addition to tackle any delays or different technicalities to assist make the buying course of simpler for you.

 

WE HAVE ACCESS TO OPTIONS

Another excuse to decide on J.C. Lewis Insurance coverage in your medical health insurance wants is to reap the benefits of our broad entry to the main medical health insurance carriers licensed to do enterprise in California.

As licensed California insurance coverage brokers and brokers, we’ve got entry to all kinds of medical health insurance plan sorts and carriers. This implies, amongst different issues, that as a person or a small enterprise proprietor, you may reap the benefits of the broader vary of choices we are able to present and, because of this, discover a extra appropriate healthcare protection plan in your wants, all of which is a big profit to you.

 

WE CAN GET THE BEST COVERAGE AT THE RIGHT COST

Within the greater than a decade for the reason that Reasonably priced Care Act was applied, the nation has seen adjustments of their common month-to-month premium prices for medical health insurance. Whereas some have skilled important reductions in prices from the advantage of federal tax subsidies utilized to those that qualify for these packages, others have had the alternative.

In response to one supply,

“Obamacare greater than doubled medical health insurance prices for staff and households, with the nationwide common premium rising by 129 p.c from 2013 to 2019.”

The identical article notes that medical health insurance premiums differ on account of plan variations together with scope of coated advantages, their ranges of affected person value sharing, and their panels of taking part suppliers, in addition to variations in enrollee age and placement, amongst different metrics.

At J.C. Lewis Insurance coverage, one of many truths we perceive effectively is there is no such thing as a “one-size-fits-all” plan that could be a good match in your healthcare wants, whatever the affordability.

We may help you receive the perfect protection at a value that’s reasonably priced, however that additionally ensures that you’re getting the appropriate protection on the proper worth.

 

WE PROVIDE PERSONAL SERVICE

In an more and more impersonal, “on-line” and digital society, the worth and advantages of private, face-to-face service and help is of extra worth than ever earlier than.

Whenever you work with J.C. Lewis Insurance coverage, you received’t be navigating difficult web site portals or robotic cellphone assistants. You’ll be working face-to-face with somebody who not solely is aware of the world but additionally the perfect medical health insurance suppliers in our space.

Private service means we are able to reply all of your questions, in individual, whether or not that’s questions on which well being plans can greatest suit your wants, or which plans will present essentially the most advantages in your staff for the bottom prices.

Private service additionally means we take a private curiosity in you and your wants.

 

YOUR NUMBER ONE LOCAL CHOICE FOR HEALTH INSURANCE IN CALIFORNIA

At J.C. Lewis Insurance coverage we need to be your insurance coverage accomplice and we provide high quality medical health insurance plans solely from the main medical health insurance carriers licensed to do enterprise within the states that we function in.

We’re a family-owned and operated medical health insurance company situated in Sonoma County, California. As specialists to find and managing medical insurance policy for people, households, and small companies, we’re licensed and licensed by every insurance coverage service we signify.

As well as, we assist present protection for seniors with Medicare supplemental and prescription drug plans.

Discovering the appropriate medical health insurance plan in California could be difficult and there are a lot of choices to select from. For instance, in case your employer doesn’t supply well being advantages, an particular person or household plan could also be the most suitable choice for you otherwise you and your loved ones.

And when you’re a small enterprise employer who needs to begin providing medical health insurance choices to your staff, we’re prepared to assist and reply any questions you could have.

At J.C. Lewis Insurance coverage we perceive that when contemplating completely different medical health insurance choices for you and your loved ones, or in your staff, there’ll doubtless be many questions and considerations. And we invite you to convey your questions on well being protection insurance coverage to us and you’ll be assured that JC Lewis Insurance coverage Providers will assist you discover the appropriate options in your medical health insurance wants.

So, name us at present for extra data or request a quote on-line.

 

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