Policy Advantage Insurance Services: How We Can Help

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Today’s article is about how Policy Advantage Insurance Services can help you with your health benefits planning. As you know, we’ve written a few blog posts about this topic in the past. If you’re new, we’d encourage you to catch up here:

Policy Advantage Insurance Services literally has the ability to help you with your health benefits planning, no matter what your current situation is. This blog post intends to specifically identify where we can help.

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  • Employers of Any Size: We have the ability to help any size employer, large or small. If you’re a business owner or executive, you probably know that there are some important differences between businesses (especially your number of full time equivalent employees), when it comes to healthcare reform. We can help employers with 2, 20, 80, 500, or even 1000’s of employees. We can help you design an effective, efficient, and budget-conscience health plan that will fit any business.
  • Individual Health Insurance Plans Off of the Exchange: Are you self-employed or not offered a health insurance plan at work? It’s now easier than ever to “shop” and find individual health insurance. If your income is too high to qualify for exchange subsidies, we can help you find a plan off of the exchange. These are plans that are purchased directly through the insurance companies.
  • Individual Health Insurance Plans On the Exchange: If you’d don’t currently have access to an affordable health insurance plan, and your income is between 100% and 400% of FPL, you may qualify for help with your insurance premiums through the new health insurance exchanges in the form of “Advanced Premium Tax Credits” (or APTCs). These credits can significantly reduce the amount of your monthly premiums. Policy Advantage Insurance Services is “Covered California Certified” and can help you select plans on the new exchange.
  • SHOP Plans On the Exchange: The “SHOP” program is the new “Small Business Health Options Program.” This is a new program on the exchange that is specifically designed to help small businesses (under 50 employees) expand health insurance options to their employees. Those businesses that have less than 25 employees may see significant tax-credits to off-set the cost of premiums. The SHOP program is a group health insurance plan.

As you can see, Policy Advantage Insurance Services has the capacity to help you in any circumstance. If you are a business, individual, or self-employed, we can help you find a plan that will fit your situation. One of our biggest goals is to help our clients save money and improve coverage. Contact us today, and we’ll help you sort it all out.

Thanks for stopping by, we hope you found our information to be valuable. Check back at our blog to get further information about funding healthcare. Also, please share with your friends, clients, colleagues, and family. Here are a few of our other information outlets:

Home Page: https://policyadvantage.com

Twitter: http://www.twitter.com/PolicyAdvantage

Facebook: http://www.facebook.com/PolicyAdvantage

YouTube: http://www.youtube.com/PolicyAdvantage

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Important Outreach: Only 10 Days Left in 2014 Open Enrollment

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If you’ve been following along at our blog, you’ll understand that there are now “open enrollment” dates each year for Individual and Family Plans (IFP). 2014 open enrollment is coming to a close soon. This very important blog post is for everyone: individual clients, group & employer clients, potential clients, friends, co-workers, family, and anyone else.

**Individual and Family Plan (IFP) open enrollment is coming to a close on March 31st, 2014. There are only 10 days left in 2014 to enroll. 

10days

Here are some important notes:

  • Open enrollment applies to all individual insurance plans on and off the new exchange.
  • Those who don’t have a plan by March 31st, 2014 will not be able to enroll after this date until next Fall, unless there is a “qualifying event” (an example: loss of employer coverage).
  • Good reasons to look into enrolling in a plan: health insurance can be very important, you may be able to find a good plan at a good price, and there is also a tax penalty this year for individuals who have not enrolled in a health plan.
  • Policy Advantage Insurance Services has the capacity to help with all plans: on the exchange, off of the exchange, and group/employer plans. Regardless of your situation, we can help.

We’ve helped many people enroll since last Fall (both on and off of the exchange). If you know of anyone: friends, family, co-workers, or anyone uninsured… please contact us (or share our info) and we can help them sort it out online, over the phone, or in-person.

Thanks for stopping by, we hope our information was valuable to you. Check back at our blog to get further information about funding healthcare. Also, please share with your friends, clients, colleagues, and family. Here are a few of our other information outlets:

Home Page: https://policyadvantage.com

Twitter: http://www.twitter.com/PolicyAdvantage

Facebook: http://www.facebook.com/PolicyAdvantage

YouTube: http://www.youtube.com/PolicyAdvantage

Pinterest: http://www.pinterest.com/PolicyAdvantage

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Last Leg: Final Two Weeks of IFP Open Enrollment

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We’re about to enter the last leg of 2014 IFP (Individual & Family Plan) open enrollment. As a result of healthcare reform, there are now yearly open enrollment periods for individual and family health insurance plans.

What does this mean? This means that if you plan on participating in a non-group (or non-employer) health insurance plan, then you’ll need to enroll during this new enrollment period.

This year’s IFP enrollment has been extended until March 31st, 2014. The reason for this extension is because we’re in the very first year of enacting healthcare reform’s major provisions. In years after 2014, open enrollment will end sooner. LastLap

Entering the final leg of 2014 IFP open enrollment, here are some important notes:

  • The latest numbers show that nearly 4.2 million Americans have enrolled in health insurance plans through the new exchanges across the country. The Obama Administration says that this will be enough participation to maintain stability within the insurance markets.
  • The last day to enroll in any individual or family health insurance plan (on or off of the new exchanges) is March 31st, 2014.
  • If you have a “qualifying event” after open enrollment ends on March 31st (ie: the loss of an employer health insurance plan), you can enroll mid-year in a special enrollment.
  • If your plan is subsidized through the exchange with an “Advanced Premium Tax Credit” (or APTC), make sure that your income is correctly reported, and that you keep the exchange updated with any income changes throughout the year.
  • There is a tax penalty in 2014 for not carrying a “minimum essential coverage” health insurance plan. This tax penalty is $95 or 1% of household income (whichever is greater).

With that, we’re into the anchor leg of our first healthcare reform open enrollment period. Expect to see some additional late participation in these past few weeks, that will most likely push the total first year enrollment up over 4.2 million Americans.

If you need help enrolling, Policy Advantage Insurance Services is “Covered California Certified” and can assist you with plans on or off of the exchange. Please feel free to contact us with your questions.

Thanks for stopping by, we hope our information was valuable to you. Check back at our blog to get further information about funding healthcare. Also, please share with your friends, clients, colleagues, and family. Here are a few of our other information outlets:

Home Page: https://policyadvantage.com

Twitter: http://www.twitter.com/PolicyAdvantage

Facebook: http://www.facebook.com/PolicyAdvantage

YouTube: http://www.youtube.com/PolicyAdvantage

Pinterest: http://www.pinterest.com/PolicyAdvantage

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Voluntary Benefits in the Post Healthcare Reform Environment

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This blog post is about “voluntary benefits” and how they are poised to see significant growth in the post-healthcare reform environment. If you’ve been following along here at our blog, you’ll know that we’ve discussed the definition of voluntary benefits in the past. We’ve referred to these benefits as “supplemental health insurance.”

As we move forward with this concept, keep in mind that you may see this specific category of benefit worded in three ways:

  1. Voluntary Benefits (the verbiage we’re using in this blog post).
  2. Supplemental Health Insurance (verbiage we’ve used in the past).
  3. Ancillary Benefits (or: benefits that support existing benefits).

The above listed could all be considered “voluntary benefits.” Each are composed of a variety of different important products when designing employer health programs.

The big question: What are voluntary benefits? 

Answer: voluntary benefits are exactly what they say they are. They are products that employees voluntarily participate in at work. In other words, employees typically pay for voluntary plans with their own money. The employer usually does not make a contribution.

The next big question: What types of plans are available voluntarily? 

Answer: there are a number of different plans that are available on a voluntary basis. Listed below are a few of them.

  • Supplemental Health Insurance: Accident Plans, Cancer Plans, Hospital Plans
  • Ancillary Benefits: Vision, Dental, Life Insurance, Disability Insurance
  • Specialty Benefits: Pet Insurance, Legal Counsel, Law/Litigation Insurance

The last big question: Why are these types of plans poised to grow significantly?

Answer: there are two big reasons why voluntary benefits are poised to grow significantly in the post-healthcare reform environment.

  1. It’s expected that there will continue to be increased exposure to “out of pocket expenses” and “cost sharing.” In other words, deductibles, co-payments, and coinsurance will all continue to be common. And most likely, these types of out of pocket expenses will continue to increase over time. Voluntary benefits can help reduce exposure to these kinds of expenses. Read more here.
  2. Government money is now helping to pay for a considerable number of new health insurance plans. This is especially true for small businesses (under 50 employees). With the integration of the new health insurance exchanges into the insurance marketplace, the federal government is now helping millions of new people pay their premiums in the form of tax subsides. What does this do? It frees up money for products like voluntary benefits.

As you can see, voluntary benefits will be a very important component in the post-healthcare reform environment. According to a recent study by Met Life, 51% of employees are willing to bear more of their benefits costs in order to have better choices, and 58% of employers say providing voluntary benefits will be significant to their benefits strategy in the coming years.

Policy Advantage Insurance Services provides a broad range of voluntary and ancillary products. If you have questions, please contact us, and we can evaluate your situation (as a business or individual) to see exactly where these benefits can fit it, and how they can help. Continue to look for additional posts on this topic.

Thanks for stopping by, we hope you found our information to be valuable. Check back at our blog to get further information about funding healthcare. Also, please share with your friends, clients, colleagues, and family. Here are a few of our other information outlets:

Home Page: https://policyadvantage.com

Twitter: http://www.twitter.com/PolicyAdvantage

Facebook: http://www.facebook.com/PolicyAdvantage

YouTube: http://www.youtube.com/PolicyAdvantage

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Extended Delay: Insurance Mandate for Medium-Size Employers (50 to 99 employees)

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Yesterday (on 2/10/14) the Obama Administration announced an additional delay to the healthcare reform law’s “employer mandate.” This new announcement stated that medium-sized businesses (those from 50-99 employees) will now have additional time to cover their employees with a health insurance plan.

This is the second announcement of a delay with regard to the employer mandate. Back in July of 2013, the entire mandate (for those employers with 50 or more full time equivalent employees) was postponed until 2015. Now, the “medium sized” employers in that group (those with 50 to 99 workers) will be given an additional year (until 2016) to provide “minimum essential coverage” or face tax penalties.

With this new announcement, comes an additional “grace period” for employers that are at or above 100 employees. The employers in this group will still have to cover their workers. However, originally they only needed to cover 95% of their total full-time employees. Now, with the grace period, they will only need to cover 70% of their full-time employees in 2015. In 2016, they will need to cover 95% of their employees.

The main idea behind this recent delay: to provide a “dual phase-in” period for the employer mandate, and lighten the burden on those  employers in the 50 to 99 employee range that have not provided health insurance in the past.

Thanks for stopping by, we hope our information was valuable to you. Check back at our blog to get further information about funding healthcare. Also, please share with your friends, clients, colleagues, and family. Here are a few of our other information outlets:

Home Page: https://policyadvantage.com

Twitter: http://www.twitter.com/PolicyAdvantage

Facebook: http://www.facebook.com/PolicyAdvantage

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Business Owners: Give Your Employees More Choices

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Believe it or not, it can save you money. One of the most important concepts in the post-healthcare reform environment will be giving employees choice when it comes to their health benefits selection. This blog post will explain why this is so important. A future blog post will explain the ways this can be accomplished. Your employees have questions right now… have good answers for them.

If you’re an employer that is offering health benefits, you’ll want to understand that it’s now easier and more important than ever to give your employees a healthy selection of health plans at work. This is especially true for businesses that are in the “+50 Full-Time Equivalent Employee” category.

There are a number of different reasons why it’s now important to offer more selection. Here are a few of them:

  • “One size fits all” benefits plans are no-longer efficient. In the past, employers would typically offer their employees a single group health insurance plan. Imagine this… buying identical pairs of jeans for each person in the company. All the same size, all the same price. There’s going to be a good chance that pair of jeans you picked won’t fit everyone, and might be too expensive too. The same thing can happen with a health insurance plan. Which leads us into our next important reason it’s important to offer additional choices…
  • In most cases you (the employer) are the one choosing the plan for the group. So, not only are the “jeans too expensive and not fitting everyone right,” but YOU are the one who picked them out for your group. By offering a better selection of plans, people begin to make their own decisions. And when people are thinking about what they’re purchasing, they’ll become a better consumer. When people become a better consumer… it saves money all around. There’s a real concept that describes this phenomenon, and it’s called “Consumer Directed Healthcare.”
  • Dependent coverage can now be difficult to navigate. Now that everyone needs to carry health insurance, the way the dependents of your employees find their coverage is much more important. This is one of the “biggees” in the post-reform environment. For example, you may be offering the best plan to your employees, but their dependents may not be able to afford it (especially if you’re not making a contribution to health insurance for dependents, and it’s an expensive plan). You “mean well”… but this scenario can be big a problem, especially when it comes to eligibility for subsidies at the new health insurance exchanges. By having a better selection at work, dependents of employees can more easily (and affordably) navigate their options.
  • Individual health insurance plans and “defined contribution” health planning are two strategies that are growing in popularity. Why? Because they both allow employers to offer great benefits at maximum flexibility to employees and their dependents. An additional bonus: setting (or defining) a budget for health benefits has never been so easy.

Keep that last bullet-point in mind, because we’re going to get into both of those in more detail in a later blog post. That future blog post will help answer two important questions: “How can I offer more choices and flexible benefits to my employees?” and “How can it save me money?”

The good news is, it’s easier now that ever before. We can’t wait to tell you more. Continue to tune-in to our blog, and we’ll continue to share great information.

Thanks for stopping by, we hope our information was valuable to you. Check back at our blog to get further information about funding healthcare. Also, please share with your friends, clients, colleagues, and family. Here are a few of our other information outlets:

Home Page: https://policyadvantage.com

Twitter: http://www.twitter.com/PolicyAdvantage

Facebook: http://www.facebook.com/PolicyAdvantage

YouTube: http://www.youtube.com/PolicyAdvantage

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Health Insurance Exchanges: “Under 35” Crowd, Jump On-Board

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The first-half of open enrollment at the new state health insurance exchanges is long past… and the participation from the younger crowd? It wasn’t very good.

Recently, the October 1st through December 31st enrollment numbers have been announced by the exchanges. Only about one quarter (or 25%) of those who enrolled were between the ages of 18 and 34. This fell far short of the 40% that certain experts had originally forecast.

There are a number of different reasons this younger group (ages 18-34) is so important. Here are a few of them:

  • It’s presumed they are healthier and less-costly to insurers.
  • If insurers end up with a more expensive group of policyholders, rates could go up.

In the weeks to come, be prepared to see advertising geared towards those in this younger demographic. Many of the exchanges are beginning to reach-out to this portion of the population, to help them find and enroll in affordable coverage.

Here are some good reasons to take a good look at health insurance right now if you’re in the age 18-34 category:

  1. The affordable subsidized rates could amaze you. If you qualify for a subsidy at the exchange (ie: if you make between about $16,000 to $44,000 per year individually) you may see some outstanding premiums. We’re talking under $100 per month in certain cases for a good plan (contact us and ask about details).
  2. In general, plans are usually less expensive for the 18-34 crowd. You may be surprised by the cost of a health insurance policy if you’re younger. If you’ve never “shopped” for health insurance, take a good look at what’s available to you.
  3. Accidents can happen. Ages 18-34 are active years. Many of you are biking, hiking, working out, surfing, skiing, jogging, playing sports, travelling, etc. With all of this activity, accidents can happen. Make sure that you have coverage in place that can help you avoid costly hospital bills.
  4. Women: these are child-bearing years. Maternity coverage is now mandated in all health insurance plans. Look for a policy that will cover you in the event that you need it.
  5. Avoid the tax penalty. Even if you are younger, you will still have to pay the tax penalty if you decide not to get health insurance. This penalty is $95 or 1% of income the first year (whichever is greater). Read more about the tax penalties here.

So, even though health insurance may not have always been at the “front of your plate”… as you can see, there are some important reasons for those in the 18-34 category to get covered.

If you have any questions, or need any help sorting it all out… contact us at Policy Advantage Insurance Services any time. We are Covered California Certified, and can help you with plans on (or off) the exchange. Take a look at all of your options, and find a plan that fits your individual needs.

Thanks for stopping by, we hope our information was valuable to you. Check back at our blog to get further information about funding healthcare. Also, please share with your friends, clients, colleagues, and family. Here are a few of our other information outlets:

Home Page: https://policyadvantage.com

Twitter: http://www.twitter.com/PolicyAdvantage

Facebook: http://www.facebook.com/PolicyAdvantage

YouTube: http://www.youtube.com/PolicyAdvantage

Pinterest: http://www.pinterest.com/PolicyAdvantage

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Operation Patience: Exchange Plans Taking Time to Process

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Recently, many who have applied for a January 1st, 2014 plan start at the new state health insurance exchange have learned that it’s taking some time for the insurance companies to process your plan. This is currently a common occurrence, as they continue to sort through 10’s of thousands of new applications (literally). Our advice right now: be patient.

Although you may not have received your plan documents and your member ID card yet, if you sent in your “binding payment” on time, you should be retroactively covered:

  • In California, the “binding payment” is due (in-hand at the insurance company) by January 15th, 2014. This may vary from state-to-state and insurance company to insurance company, so make sure to check.
  • “Retroactively covered” means that if you incur medical charges before your plan is processed (and as long as your “binding payment” was received on-time), you will be retroactively reimbursed for covered charges.

Be assured that the insurance companies are doing everything that they can to take care of your policy as quickly as possible. You’ll see across Twitter that they’re actively communicating with their new members. Here are some Tweet examples of what we’ve seen to customers:

Blue Shield of California, 1/9/2014:

We’ve extended customer service hours to meet the higher demand and tripled online bandwidth to make payments. Thanks for hanging in there.

Health Net, 1/6/2014:

@justex07: You should get your ID card in approx. 5 business days, but you can go to the doctor before then and file a claim after if needed.

Anthem Blue Cross of California, 1/11/2014:

@mobilefilmclass: Also, we hired 100s of new cust service folks for 1/1, cancelled vacays & pulled 100s other people from other jobs to help.

So although you may have waited on hold for hours, or no one is returning your email inquiries, or you’re just frustrated in general because you haven’t received your packet or ID card yet… stay patient. They’re working diligently to take care of your policy.

Thanks for stopping by, we hope you found our information to be valuable. Check back at our blog to get further information about funding healthcare. Also, please share with your friends, clients, colleagues, and family. Here are a few of our other information outlets:

Home Page: https://policyadvantage.com

Twitter: http://www.twitter.com/PolicyAdvantage

Facebook: http://www.facebook.com/PolicyAdvantage

YouTube: http://www.youtube.com/PolicyAdvantage

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Important Dates: Individual & Family Plan Open Enrollment

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There are some important new dates coming up with regard to individual and family plan health insurance open enrollment. These dates apply to plans both inside and outside of the new state health insurance exchanges.

Before we move further with this blog post, we need to explain a fairly simple concept: the ways in which health insurance is typically purchased. Generally speaking, there are two predominant ways to purchase health insurance:

  1. Group Health Insurance: purchased through and employer, union, association, or other group.
  2. Individual & Family Health Insurance: purchased individually, outside of a group… on your own.

Now that we know how health insurance is usually purchased, it’s important to understand that many more people are applying for individual health insurance plans this year. There are a few different reasons for this, but here are the big ones:

  • It’s now easier to shop for health insurance on the individual market (ie: no more preexisting conditions).
  • Many people are qualifying for federal assistance to help offset the costs of their health insurance premiums (via the new state health insurance exchanges).

Due to the changes listed above, there are new rules governing enrollment in individual and family (IFP) plans. In the past, you could apply for an individual (or family) insurance policy at anytime throughout the year. Starting in 2014, you can’t. In other words: you can now only apply for individual and family insurance coverage at certain times during the year.

Why? Because insurance companies can no longer deny people access to coverage for having a preexisting condition. The ACA (Affordable Care Act, ie: Obamacare) does not want people applying for coverage throughout the year after they get sick or hurt. 

As you know, 2014 is the first year of the implementation of healthcare reform’s major provisions. For this reason, there are extended dates for individual and family plan open enrollment. Here are the important dates to remember this year (for plans both inside and outside of the state health insurance exchange):

  • Enrollment for coverage starting January 1st, 2014: October 1st, 2013 to December 15th, 2013.
  • Enrollment for coverage starting February 1st, 2014: December 16th, 2013 to January 15th, 2014.
  • Enrollment for coverage starting March 1st, 2014: January 16th, 2014 to February 15th, 2014.
  • Enrollment for coverage starting April 1st, 2014: February 16th, 2014 to March 15th, 2014.
  • Enrollment for coverage starting May 1st, 2014: March 16th, 2014 to March 31st, 2014.

As mentioned, we’re in an extended enrollment this year. But in a typical year, here are the individual and family plan (IFP) open enrollment dates (both inside and outside of the health insurance exchanges):

  • Future Years (after 2014): October 15th to December 7th.

Policy Advantage Insurance Services is “Covered California Certified” and can assist you with your enrollment at the new exchange. If you have questions, or need assistance please contact us anytime ([email protected]).

Thanks for stopping by, we hope you found our information to be valuable. Check back at our blog to get further information about funding healthcare. Also, please share with your friends, clients, colleagues, and family. Here are a few of our other information outlets:

Home Page: https://policyadvantage.com

Twitter: http://www.twitter.com/PolicyAdvantage

Facebook: http://www.facebook.com/PolicyAdvantage

YouTube: http://www.youtube.com/PolicyAdvantage

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Tip Sheet: Exchange Open Enrollment

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The first half of 2013 open enrollment is complete. It’s official: the new state and federal health insurance exchanges have opened up across the country. We’re now in the very beginning of the implementation of healthcare reform’s major provisions.

Over the past two and a half months, a lot has taken place. Some things not so good (you might even say bad). And some things good (in certain cases, really-really good).

For example, maybe you’re one of those people that found very affordable coverage at the exchange, and you’re thrilled. Or… maybe you’re someone who isn’t getting much financial help via the subsidies, and now you’re looking for a way to find coverage for yourself or your family that won’t break the bank. You could also be a person with a preexisting condition that finally got their much-needed coverage. Or… maybe you found out that you can’t keep that health insurance plan you liked.

Every person’s case is different, and we’ve made it through the first-half with you. We’ve helped people enroll in the new exchange. We’ve also helped people navigate plans outside of the exchange.

With the second half of exchange open-enrollment coming up, we’ve put together a tip sheet for you, based on what we’ve seen so far. No politics. No opinions. Just facts. Here’s the latest:

  1. There really are some outstanding options at the new exchange for certain people. For example, if you make between ~$16,000 and ~$28,000 per year individually, there is a good chance you might really like your plan and premium at the exchange. People in this range also qualify for what are called cost-sharing reductions (in addition to premium subsidies). If you’re making between ~$16,000 to ~$28,000 per year, take a good look at the exchange. Additionally, those people making up to ~$44,000 per year may also qualify for subsidies.
  2. It’s true: you can’t be denied coverage for having a preexisting condition. Some people are still having a difficult time coming to terms with this concept. If you have a preexisting condition, apply for a plan inside or outside of the exchange: you cannot be denied at either place.
  3. Dependent coverage is too expensive at my spouse’s employer. Some of you who are needing to get insured are finding out that access to your spouse’s coverage through his/her employer is very expensive. If your spouse has access to what is called “affordable” coverage via their employer (affordable defined here), unfortunately, you and any dependent children are no longer eligible for subsidies at the exchange (even if the coverage in the exchange is considerably more affordable). This has been an area where we have had difficulty helping people find coverage. Our advice: shop for a more affordable plan on the individual market until the employer can make adjustments (they may need to offer a more affordable plan, or not offer employer coverage at all).
  4. My individual (or family) health insurance plan was cancelled. Your health insurance plan may have been cancelled because it did not conform to new healthcare reform standards. The bad news: you may not be able to get that plan back (so the best you can do right now is shop for another plan). The good news: recently, there was a tax penalty exception granted to people who lost their coverage. In other words, if your plan was cancelled, you won’t have to pay the individual tax penalty in 2014.
  5. My premiums got more expensive. Many plans in the individual market have seen premium increases. This is especially true for individuals that do not qualify for health insurance subsidies at the exchange (ie: individuals making more than $44,000 per year). One of the reasons you’re seeing these increases is because of the newly mandated 10 essential health benefits. Our advice: have a broker shop with you for a more affordable plan.
  6. Check your physician and hospital networks. This is especially true if you’re participating in a plan from a public state exchange. If you’re looking for access to a specific doctor or hospital, make sure to check and see what plans they are accepting. Some doctors and hospitals are not accepting plans from the public exchange at all.

The above listed are some of the things we’ve run into while helping people enroll during the first half of exchange open enrollment. If you’ve participated at the exchange, you may be familiar with what we’ve discussed. If you’ve not yet enrolled, our biggest goal with this post is to get you some tips about what to expect.

The entire second half of 2013 open enrollment has just begun. Don’t forget you have until March 31st, 2014 to enroll this year. If you have any questions about enrolling in Covered California, please contact us. Policy Advantage Insurance Services is Covered California Certified.

Thanks for stopping by, we hope you found our information to be valuable. Check back at our blog to get further information about funding healthcare. Also, please share with your friends, clients, colleagues, and family. Here are a few of our other information outlets:

Home Page: https://policyadvantage.com

Twitter: http://www.twitter.com/PolicyAdvantage

Facebook: http://www.facebook.com/PolicyAdvantage

YouTube: http://www.youtube.com/PolicyAdvantage

Pinterest: http://www.pinterest.com/PolicyAdvantage

Word Press: http://www.policyadvantage.wordpress.com