Reasons To Choose J.C. Lewis For Health Insurance In California

This Weblog Was Up to date in Could of 2022

WHILE THERE ARE MANY AREAS IN LIFE THAT WE MIGHT ENGAGE IN DIY, OR DO-IT-YOURSELF, OPTIONS, SOME TASKS REQUIRE EXPERTISE THAT WE MAY NOT HAVE. ONE OF THESE IS FINDING AND CHOOSING THE BEST HEALTH INSURANCE PLAN FOR OURSELVES OR OUR FAMILIES.

As well as, house owners of smaller companies usually want to seek out the perfect plan choices to supply their staff. And the actual fact is that most individuals will not be consultants within the realm of medical health insurance protection.

Which is why having the help and steerage of a good skilled in medical health insurance could be vitally necessary and useful.

After all, in California it’s comparatively straightforward for people to buy a well being plan for themselves, or for his or her households and themselves. Nevertheless, the choices are so various and the distinctions between numerous plans are so complicated, that it’s fairly potential to decide on a plan that’s removed from being the perfect match to your wants.

All of which is why having an skilled and skilled insurance coverage agent like J.C. Lewis Insurance coverage could make the distinction between a sub-par well being plan and discovering the perfect answer to your medical health insurance wants.

FOR HEALTH INSURANCE, CALIFORNIA NORTH BAY RESIDENTS HAVE J.C. LEWIS INSURANCE

One of many advantages of medical health insurance plan choices for these residing in California is that staff don’t have to simply accept the plans offered by their employers. Should you select to decide out of your organization’s plan choices, you possibly can, if you happen to choose, store immediately with medical health insurance suppliers or by the state’s well being trade often called Coated California.

Nevertheless, what you’ll possible discover is that the choices could be overwhelming.

Coated California, for instance, at the moment works with 13 completely different medical health insurance suppliers, every of which provides a number of plans below at the very least 4 completely different classes often called Platinum, Gold, Silver, and Bronze plans. And this doesn’t consider the choices of catastrophic plans and short-term plans.

Most people seeking to buy a medical health insurance plan are involved with affordability, after all, but additionally with ample protection and availability of companies. And these are components that may be troublesome to find out with out an intensive information of the trade.

The actual fact is that the healthcare insurance coverage trade is difficult and regularly altering. As well as, there are timelines to adjust to and limitations primarily based on earnings and geography.

The excellent news is that for California North Bay residents, J.C. Lewis Insurance coverage is offered to assist people and enterprise house owners navigate the “turbulent seas” of well being care protection.

WHY YOU MUST BE INSURED IF YOU LIVE IN CALIFORNIA

Most adults are conversant in the passage of the Inexpensive Care Act (ACA) again in 2010. Generally known as Obamacare, one of many stipulations of the laws was the person mandate. This was the requirement for all eligible residents to have medical health insurance or else be topic to a tax penalty.

As of 2019, the Obamacare particular person mandate was primarily made null and not applies on the federal degree. Nevertheless, a number of states, reminiscent of California, applied their very own model of the person mandate.

The California Franchise Tax Board (FTB) imposes a penalty for not having medical health insurance that’s both the higher of two.5 % of the family annual earnings or a flat greenback quantity of $750 per grownup and $375 per youngster within the family. And these numbers can improve every year primarily based on inflation.

Whereas these figures could seem acceptable to some who might really feel they don’t need to buy insurance coverage, the median family earnings within the North Bay is someplace round $120,000. That might work out to an annual penalty of virtually $3,000 per 12 months.

FOUR REASONS TO CHOOSE J.C. LEWIS FOR HEALTH INSURANCE IN CALIFORNIA

Life presents us all with a collection of decisions, some harder than others. Discovering and selecting a medical health insurance plan can rank up there with one of many extra concerned selections a lot of should make.

If you’re an worker and your organization supplies a sturdy advantages bundle together with medical health insurance plan decisions, the choice is usually merely selecting one plan over one other. However in case you are an employer attempting to make sense of the assorted stipulations and necessities of group protection, or a person who must discover a plan by yourself, it may be useful to have a agency like J.C. Lewis Insurance coverage that can assist you by the method.

There are lots of good causes to decide on us that can assist you together with your medical health insurance wants, and listed below are 4 of the highest causes.

WE HELP YOU THROUGH THE PROCESS

At J.C. Lewis, the medical health insurance choice course of for each people and small enterprise house owners is one thing that we’ve got a long time of expertise with. And our skilled staff of brokers are nicely outfitted that can assist you by the method, no matter your wants.

We perceive, for instance, {that a} precedence for a lot of people and households when contemplating the bewildering number of completely different medical health insurance plans out there is to seek out one that matches your wants and your price range.

As skilled brokers, we will confidently work with you to check plan particulars and clarify charges and pricing, in addition to clarify in easy phrases any complicated options or unfamiliar verbiage.

Our brokers also can stroll you thru the method to find out if you happen to qualify for subsidies on Coated California particular person or household protection insurance coverage premiums. We will even make suggestions for plans we imagine could be the most suitable choice for you, otherwise you and your loved ones.

A J.C. Lewis agent will even take the time to help you thru the coverage utility course of, in addition to deal with any delays or different technicalities to assist make the buying course of simpler for you.

WE HAVE ACCESS TO OPTIONS

Another excuse to decide on J.C. Lewis Insurance coverage to your medical health insurance wants is to make the most of our broad entry to the main medical health insurance carriers licensed to do enterprise in California.

As licensed California insurance coverage brokers and brokers, we’ve got entry to all kinds of medical health insurance plan sorts and carriers. This implies, amongst different issues, that as a person or a small enterprise proprietor, you possibly can make the most of the broader vary of choices we will present and, because of this, discover a extra appropriate healthcare protection plan to your wants, all of which is a large profit to you.

WE CAN GET THE BEST COVERAGE AT THE RIGHT COST

Within the greater than a decade because the Inexpensive Care Act was applied, the nation has seen adjustments of their common month-to-month premium prices for medical health insurance. Whereas some have skilled vital reductions in prices from the advantage of federal tax subsidies utilized to those that qualify for these applications, others have had the other.

In accordance with one supply,

“Obamacare greater than doubled medical health insurance prices for employees and households, with the nationwide common premium rising by 129 % from 2013 to 2019.”

The identical article notes that medical health insurance premiums range because of plan variations together with scope of coated advantages, their ranges of affected person price sharing, and their panels of taking part suppliers, in addition to variations in enrollee age and placement, amongst different metrics.

At J.C. Lewis Insurance coverage, one of many truths we perceive nicely is there is no such thing as a “one-size-fits-all” plan that may be a good match to your healthcare wants, whatever the affordability.

We can assist you get hold of the perfect protection at a price that’s reasonably priced, however that additionally ensures that you’re getting the correct protection on the proper value.

WE PROVIDE PERSONAL SERVICE

In an more and more impersonal, “on-line” and digital society, the worth and advantages of private, face-to-face service and help is of extra worth than ever earlier than.

If you work with J.C. Lewis Insurance coverage, you received’t be navigating difficult web site portals or robotic cellphone assistants. You’ll be working face-to-face with somebody who not solely is aware of the world but additionally the perfect medical health insurance suppliers in our space.

Private service means we will reply all of your questions, in individual, whether or not that’s questions on which well being plans can finest suit your wants, or which plans will present probably the most advantages to your staff for the bottom prices.

Private service additionally means we take a private curiosity in you and your wants.

YOUR NUMBER ONE LOCAL CHOICE FOR HEALTH INSURANCE IN CALIFORNIA

At J.C. Lewis Insurance coverage we need to be your insurance coverage associate and we provide high quality medical health insurance plans solely from the main medical health insurance carriers licensed to do enterprise within the states that we function in.

We’re a family-owned and operated medical health insurance company positioned in Sonoma County, California. As specialists find and managing medical insurance policy for people, households, and small companies, we’re licensed and authorized by every insurance coverage service we signify.

As well as, we assist present protection for seniors with Medicare supplemental and prescription drug plans.

Discovering the correct medical health insurance plan in California could be difficult and there are lots of choices to select from. For instance, in case your employer doesn’t supply well being advantages, a person or household plan could also be the most suitable choice for you otherwise you and your loved ones.

And if you happen to’re a small enterprise employer who desires to start out providing medical health insurance choices to your staff, we’re prepared to assist and reply any questions you’ll have.

At J.C. Lewis Insurance coverage we perceive that when contemplating completely different medical health insurance choices for you and your loved ones, or to your employees, there’ll possible be many questions and issues. And we invite you to deliver your questions on well being protection insurance coverage to us and you may be assured that JC Lewis Insurance coverage Providers will assist you discover the correct options to your medical health insurance wants.

So, name us at the moment for extra data or request a quote on-line.