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October 23rd Social Media Training for Real Estate Agents

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Don't be misinformed about Medical Insurance!

There is a ton of misinformation out there about the Affordable Care Act and the OPEN ENROLLMENT for the NEW HEALTH INSURANCE PLANS. And I don't blame you guys there hasn't been much mass information being distributed to help with keeping informed and up to date. I have been doing workshops specifically on this subject since the law passed in 2010. But there's still so much more work to be done to educate the community about their options under the new law. I will try to be brief and break it down to you as simple as possible:

1. As of January 1st 2014 it will be the LAW to carry Health insurance, if you don't have any a penalty may apply to you when you file taxes (there are exceptions such as hardship etc.)

2. The penalty will be based on your income... $95 OR 1% of your income whichever is greater. Again whichever is GREATER

3. Covered California will open enrollment on October 1, 2013 (with coverage beginning January 1, 2014) to meet the March 31, 2014 deadline for Californians to obtain insurance or face IRS penalties for the 2014 tax year. For individuals who do not enroll during this period, they will have to wait until October 1, 2014 to purchase coverage

4. NO you cannot outsmart the system and try to get insurance coverage once an illness has occurred. Let me repeat that again...since I have heard many people say this including Licensed insurance agents that are misinformed in this very important aspect of the law- whether you purchase health insurance through Covered California meaning the exchange or outside the exchange and get your own private health insurance plan you CANNOT enroll whenever you want to!! As of tomorrow there will be ONE ANNUAL OPEN ENROLLMENT PERIOD which this year will run from Oct. 1st 2013 until March 31st 2014- going forward it will be from Oct. 1st through Dec. 7th.

5. You must purchase health insurance during this open-enrollment period in order to obtain coverage in 2014. If you do not enroll during this period, you will not be assured a health plan will cover you – either through Covered California or in the private market. If you have a life-changing event such as the loss of a job, death of a spouse or birth of a child, you are eligible for special enrollment within 60 days of the event. The next open-enrollment period begins in October 2014 for coverage in 2015.

I hope this helps ease up some of the confusion....please read the next post above in regards to who is Covered California and what plans are offered there..

Stephanie Martinez

First Link Insurance Agency 

9220 Haven Ave Suite 110

Rancho Cucamonga Ca 91730

Fontana Home For SaleC

CONGRATULATIONS LAURA FEREGRINO AND GIL MARQUEZ FOR YOUR NEW LISTING!!

GREAT JOB MARQUEZ TEAM!!

13997 GREEN VISTA DR, FONTANA, 92337

MLS # IG13196004

3 BED / 2.5 BATH

 LIST PRICE: $150,000 

Coldwell Banker First Premier Realty
537 N. Euclid Ave.
Ontario Ca 91762
909-395-5400

OK so who is Covered California??

When the law passed in March 2013, it was said that each state had to set up a State Exchange or Insurance Marketplace where people could shop for the new health insurance plans. Not all states participated in this mandate (no surprise there) however CA was one of the first states to participate and set up their own health insurance exchange, other states left it up to the Govt. to set it up and run it at a Federal level. 

Ok so again Covered California is the BRAND NAME of our State Exchange, they will be marketing soon on TV, Radio and print ads to help bring awareness of this marketplace. ONLY CERTIFIED Enrollers OR CERTIFIED Licensed Health insurance agents can help you enroll in the health plans offered through Covered California. PERIOD. Please don't pay a fee to apply!!! no one should ask you to pay an application fee. it's not required nor is it allowed! 

Enrollers or Navigators can ONLY help you ENROLL in a health plan under Covered CA, they cannot steer you or advice you on any health insurance plans nor can they offer help in the private market, they are not licensed to do so. WE, Licensed Health insurance agents AND Certified Insurance Agents under Covered CA can absolutely help you in giving you advice as to what health insurance plan is best for you and your family, inside and outside the marketplace. Please make sure you do your homework and find out if the person helping you is CERTIFIED to do so.


Stephanie Martinez
First Link Insurance Agency
9220 Haven Ave. Suite 110
Rancho Cucamonga Ca 91730

New Rialto Home for Sale!

CONGRATULATIONS SEPTIMBER JONES FOR YOUR NEW LISTING!!!

GREAT JOB SEPTIMBER!!! 

761 E HOLLY ST, RIALTO, 92376

MLS # IG13195891

3 BED / 2 BATH

 LIST PRICE: $236,900  

Coldwell Banker First Premier Realty Office Listing
357 N. Euclid Ave. Ontario Ca 91762
909-395-5400