**** OE19 Starts 10/15/18 thru 1/15/19 ****

Open Enrollment 2018

Click a carrier below for company details:

Health Plan Summary:
Platinum 90 -
$0 Deductible

$15 Dr. Visit Copay / $30 Specialist

$15 Urgent Care

$15 Lab / $30 X-ray
Rx: $5 Generic / $15 Tier 2 / $25 Tier 3

10% Outpatient Hospitalization
10% Outpatient Surgery

10% Inpatient Hospitalization

$3,350 Out of pocket maximum (2 max)

Gold 80 - $0 Deductible
$30 Dr. Visit Copay / $55 Specialist
$30 Urgent Care
$35 Lab / $55 X-ray
Rx: $15 Generic / $55 Tier 2 / $75 Tier 3
20% Hospitalization
20% Outpatient Surgery
10% Inpatient Surgery
$7,200 Out of pocket maximum (2 max)

Silver 70- $2,500 Deductible / $200 Rx
$40 Dr. Visit Copay / $80 Specialist
$40 Urgent Care
$35 Lab / $75 X-ray
Rx:
$15 Generic / $55 Tier 2 / $80 Tier 3 (After Ded.)
20% Outpatient Hospitalization
20% Outpatient Surgery
20% Inpatient Hospitalization (After Ded.)
$7,550 Out of pocket maximum (2 max)

Bronze 60 - $6,300 Deductible
$75 Dr. Visit Copay (3) visits / $105 Specialist (3) visits
$75 Urgent Care (3) visits
$40 Lab / X-ray not covered until meet deductible
Rx:
$15 Generic / $50 Tier 2 / $70 Tier 3 (After Ded.)
100% Hospitalization (
After Deductible)
100% Outpatient Surgery (
After Deductible)

100% Inpatient Hospitalization (After Deductible)
$7,550 Out of pocket maximum (2 max)




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    Serving ALL of California   Since 1998
                                
949-486-6018

Need Help Renewing with CoveredCA.com?

Open Enrollment 2019 is Here!

We have done all of
the analysis for you!


  - Carrier Details & Phone #s

  - Information / Co. Facts

  - Pros & Cons of the Carrier

  - Hospital & Doctor Network

  - BBB Rating / Review Links

  - Wiki Links and more!




(Click Logo to Apply Online)

Silver 94, 87 & 73 Enhanced CSR
Must have low-income to qualify:

Silver 94
-
$75 Deductible
$5 Dr. Visit Copay / $8 Specialist

$5 Urgent Care

$8 Lab / $8 X-ray
Rx: $3 Generic / $10 Tier 2 / $15 Tier 3
10% Hospitalization
10% Outpatient Surgery

10% Inpatient Surgery (After Deductible)

$1,000 Out of pocket maximum (2 max)


Silver 87- $650 Deductible / $50 Rx
$15 Dr. Visit Copay / $25 Specialist
$10 Urgent Care
$15 Lab / $25 X-ray
Rx: $5 Generic / $
20 T2 / $35 T3 (After Ded.)
15% Hospitalization
15% Outpatient Surgery
15% Inpatient Surgery (After Deductible)
$2,600 Out of pocket maximum (2 max)


Silver 73- $2,200 Deductible / $175 Rx
$35 Dr. Visit Copay / $75 Specialist
$35 Urgent Care
$35 Lab / $75 X-ray
Rx:
$15 Generic / $50 T2 / $75 T3 (After Ded.)
15% Hospitalization
15% Outpatient Surgery
15% Inpatient Surgery (After Deductible)
$6,300 Out of pocket maximum (2 max)

MOLINA

- Get the BEST VALUE

- Licensed CERTIFIED Agent

- 19 Years of Experience

  Which health plan is best for you?

Marc's analysis of MOLINA!

Meet Marc Harris
Your Local Certified Insurance Agent

I have been helping clients since 1998 and was
one of the first agents to get certified with
Covered California and the CoveredCA.com
Exchange.  After reviewing the Molina Healthcare options for this years open enrollment, I have concluded that they are going through a huge restructure and are unsure of their operations for this coming year. Some of our clients have seen upwards of a 40% rate increase.  What a "bait and switch" in my opinion.  Ready to renew your policy? We can help you today!  Complete our short Covered CA
RENEWAL FORM and someone will contact you.

MOLINA HEALTHCARE Info / Facts:
Founded in 1980 (Recently Fired their CEO)

Valued at $14.2 Billion
# of Employees: 21,000 (Just laid off 1,500 employees) 
NYSE:
  MOH (Publicly Traded Co.)
BBB Rated:
F (Click Here) - Started 1/1/1980
Wiki Link: Molina Healthcare
website:
MolinaHealthcare.com
Customer Service Phone: (888) 858-2150
Payment Phone: (888) 858-2150

In-Network: 
Find a HOSPITAL   /  DOCTOR Search
        

Notes
(Advantages & Disadvantages):
- PROS: Solid HMO with decent network
-
Lower monthly premiums compared to other carriers.

- Mid sized HMO network of Doctors & Hospitals

- CONS: MANY (See below)
-
Over 40% rate increases don't work well with our analysis.
- Huge corporate restructuring.
Recently Fired their CEO.

- "Bait & Switch" type of company
- Just laid off 1,500 employees and is restructuring

- Rated F with the BBB (not accredited) / 38 complaints

- All of the above is just our honest opinion.


2018 Strategy:  If your Silver plan from last year is going up over 20%, then you might want to consider downgrading to a Bronze 60 plan with a much higher deductible and much lower premium per month.  We will help you compare all of your options.