Preexisting Condition Insurance Plan in California (PCIP)

Effective September will be a new "Preexisting condition insurance Plan' (PCIP) in California available.

It is for Individuals, who are legal citizen or legal resident alien, who were denied by private insurance carrier due to pre existing condition and are without health coverage at least 6 months. People who are on Cobra or MRMIP or any insurance plans are not eligible, they need to be at least 6 months without coverage.

This insurance plan is substituted by the Federal Government and managed in California by the State.

In contrast to the existing MRMIP program the rates are lower and there should be no lifetime limits. As of now the plan has as of copayment of $ 30.00 per doctor visits , $ 1500 deductible and a maximum out of pocket limit of $ 2500.-. It should become effective September 1st, however as of now the application are not available. The final plan outline has not been published. Anyone interested can sent me an email at info@solidhealthinsurance.com and I will provide the application as soon as I receive it or you can also request an application directly from pcip@mrmib.ca.gov.

The current MRMIP program does not have the mandatory 6 months waiting period of no health insurance coverage, but it is very restricted regarding yearly limits and life time limits.

Here are the rates of the new PCIP Plans ! They are higher but more competitive than any current existing preexisting condition plans . We are expecting daily up dates of the new plan details. Follow my blog, to get the newest info on the Health Care Reform.

Preexisting Condition Insurance Plan in California

Monthly Premium Rates*

Effective through December 31, 2011

Age Band Region 1 Region 2 Region 3 Region 4 Region 5 Region 6

15-29 $199 $195 $201 $180 $200 $181

30–34 $286 $282 $292 $258 $288 $260

35–39 $319 $314 $325 $288 $321 $289

40–44 $337 $332 $344 $304 $339 $306

45–49 $369 $364 $377 $334 $371 $335

50–54 $494 $481 $499 $445 $495 $448

55–59 $627 $608 $624 $564 $625 $567

60–64 $796 $780 $802 $720 $799 $723

65-69 $891 $873 $899 $806 $895 $810

70-74 $939 $920 $947 $849 $943 $853

over 74 $995 $975 $1,003 $899 $999 $904

* August 5, 2010

Region 1: Northern 31 counties

Region 2: Valley 14 counties

Region 3: Bay Area 6 counties

Region 4: South Coast 3 counties

Region 5: Los Angeles County

Region 6: South 3 counties

The Seven Wonders of Life Insurance

Many young people avoid the topic of life insurance, as the topic of death is making everyone uncomfortable and it is far away. We all hope to live a long life but statistically some of us won't have the opportunity. Each year, roughly 465,000 Americans will die prematurely leaving behind loved ones who will have to manage financially in their absence. Learn about seven amazing things life insurance can do for families:

1) Buy time

Allows loved ones to focus on their grief by helping to pay funeral and other final expenses.

2) Provide a fresh start

Let loves ones start with a clean slate by helping to pay off credit card bills, outstanding loans and even mortgages.

3) Generate Income

Helps replace lost income for years to come so that surviving family members can continue to pay for life's necessities.

4) Offer Flexibility

Give s surviving spouse the chance to take time off from work or to switch a job that offers a more flexible work schedule.

5) Create Opportunities

Give a surviving spouse the chance to start a business or pay for schooling so surviving families can rain for a new career.

6) Fund the Future

Offers a way to fund longer-range goals like college education for the kids or a retirement for a surviving spouse.

7 Tips for a Smooth & Healthy Transition 'Back to School"

Back to school can be a time of mixed feeling. Happy for getting back to a routine for your family, sad as time just flew by and you can't believe that Summer is almost over.

Now it is time for parents and children alike to start preparing for a new adventure and reduce the pressures and stresses that come with school schedules and activities.

Here are 7 Helpful Tips for a smooth and healthy transition back to school.

1) Schedule a check-up with your child's pediatrician

Does your child have all the necessary booster vaccines? Even Teenagers need still booster shots for Tetanus and Meningitis. Make sure that your child gets also his vision and hearing checked. Go to visit your child's dentist and orthodontist.

2) Start two weeks before school to establish a routine.

Start with a bedtime, earlier wake up and dinner routine which is close to your school schedule

3) Start to talk with your kids to speak positively with enthusiasm about the new school year

Set goals together on what the child wants to achieve and by when.Brake the large goals into mini goals . Put the goals onto index cards or in your child's day planner.

Ask what activities the child wants to learn.

4) Get Organized
Organize your child's room, clean your child's work area of all clutter. Create a To-Do List . Examples are what to pack in back pack or up coming assignments. Crossing things off together will give the child extra sense of accomplishment and you a sense of calmness that things are under control.

5) Relax
It is important to balance work with play so be sure to incorporate down time after school and on the weekends.

6) Regroup
The school year can be hectic so make a point to step back from the chaos, clean out folders and notebooks, revisit goals and set new ones on a monthly basis.

7) Reward your family
When your monthly goals have been accomplished and you have been able to be calm and collected. Celebrate your accomplishment with a great family treat, something you all enjoy.

Remember good times, laughter and love are the best medicine for you and your family.

Can excessive Hospital Charges have anything to do with excessive building cost of Hospitals in California ?

The Ronal Reagan UCLA Hospital has cost over 1 Billion US-Dollar to built, this is a building for 525 beds. If you do the math each bed cost $ 1.904,762 Million Dollar. How come that no one is questioning the cost! Maybe now it makes more sense why a 2 hour outpatient hospital procedure can cost easily $ 10,000,- somehow hospitals have to collect their money.

In 2014 we will be able to offer an additional 47 million people insurance, so there will be a greater need for hospitals. Look around your neighborhood and see how many hospitals are built. Who is in control to make sure that building cost are not excessive, we need control and sharp budgets now.

Part of Health Care Reform should be also an oversight on reasonable building cost of hospitals, so that we might be able to get a handle on the medical cost.

Read more about the UCLA Ronal Reagan Hospital Building expense.

http://www.stonebusiness.us/index.php?option=com_content&view=article&id=625&Itemid=67