Working with a certified Covered California Health Insurance Agent can help make sure that forms are completed accurately and the right plan is selected for individuals and families.
Redwood City, CA (PRWEB) October 22, 2013
On October 17, 2013, Ron Collins of Collins Insurance received a certification as a Covered California® Health Insurance Agent. The certification was granted after Mr. Collins participated in an all-day, in person training, plus 5 hours of online training and an extensive exam. The certification qualifies Mr. Collins to provide assistance to Californians applying for health insurance policies under the new individual mandate.
The Federal law, the Patient Protection and Affordable Care Act (aka "ACA" or "Obamacare"), requires all citizens and legal residents to purchase health insurance if they're not already covered by an employer or have an individual health insurance plan in place by the end of March, 2014. Covered California is California's version of the state health insurance exchanges, which were created by the ACA. Open enrollment began October 1, 2013, and runs through March 31, 2014, and Collins Insurance is helping people sign up for the right policy.
Applying for a Covered California policy is not a trivial task. The process takes 40 to 45 minutes answering questions online. Most of the questions are related to personal finances, a process required to determine whether or not an individual or family qualifies for a subsidy. The good news is that the application process no longer depends upon past or "pre-existing" medical conditions. All applicants are entitled to an insurance policy regardless of current or past health.
"Choosing the right plan is important. Most of the plans include a somewhat smaller selection of doctors, and some plans include more providers in certain areas of California than others," says Ron Collins, Principal at Collins Insurance. "Selecting the right plan for an individual or family is important because once a plan is selected, changes cannot be made until the next enrollment period begins in October, 2014."
Also, people who do not qualify for a subsidy may choose to purchase a plan that is not on the Covered California exchange. These are called “off-exchange” plans and not only include the same plans as the exchange, but additional options beyond those listed on the Covered California website exist, with similar or more affordable prices.
"Working with a certified Covered California Health Insurance Agent can help make sure that forms are completed accurately and the right plan is selected for individuals and families," says Mr. Collins. "We're trained, certified and with 32 years of experience in health insurance, we're a good choice for Californians."
Policies purchased under the California Health Benefit Exchange® or Covered California, California’s version of “Obamacare” will be effective on January 1, 2014.
Collins Insurance has 32 years of experience in purchasing health insurance for individuals and families in the San Francisco Bay Area. Ron Collins, Principal at Collins Insurance is a seasoned professional, spending thousands of hours learning the ins and outs of health insurance. He is considered an expert on Obamacare and often speaks on the topic. For more information, visit the Collins Insurance website or call (650) 701-9700.
About Ron Collins and Collins Insurance
Ron Collins, in Redwood City, California, has served the insurance needs of the San Francisco Bay Area since 1981. His independent insurance agency, Collins Insurance, remains focused on providing the most knowledgeable, accurate and timely information to clients about small group benefits for employees, family health insurance and supplemental Medicare coverage. With over 30 years of experience in the industry, Ron Collins is dedicated to finding the best combination of benefits that works for his client’s situation.
Health insurance might be a “fair trade” product—meaning premiums from each insurer are the same across the board, no matter which agent you use—but that doesn’t mean all insurance agents are equal. Ron Collins brings premium experience when it comes to picking a plan. He believes in making it a stress-free experience by offering his extensive knowledge of the insurance industry to select a plan through communication methods tailored to each client’s busy schedule. It’s a trusted, successful method—clients and potential clients around the Bay Area consistently seek out Ron Collins to detangle the insurance mystery. To learn more, visit the Collins Insurance website or call (650) 701-9700.