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Causes To Select J.C. Lewis For Well being Insurance coverage In California

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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 very 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 professional in medical health insurance might be vitally vital and useful.

In fact, in California it’s comparatively simple 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 advanced, that it’s fairly attainable to choose a plan that’s removed from being the perfect match in your wants.

All of which is why having an skilled and professional insurance coverage agent like J.C. Lewis Insurance coverage could make the distinction between a sub-par well being plan and discovering the perfect resolution in 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 dwelling in California is that staff do not need to just accept the plans supplied by their employers. Should you select to choose out of your organization’s plan choices, you possibly can, in case you choose, store instantly with medical health insurance suppliers or by the state’s well being trade generally known as Lined California.

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

Lined California, for instance, at the moment works with 13 completely different medical health insurance suppliers, every of which gives a number of plans beneath a minimum of 4 completely different classes generally known as Platinum, Gold, Silver, and Bronze plans. And this doesn’t take note of the choices of catastrophic plans and short-term plans.

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

The very fact is that the healthcare insurance coverage trade is difficult and frequently 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.

 

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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 now not applies on the federal degree. Nevertheless, a couple of states, comparable to California, carried out 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 better of two.5 p.c 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 enhance annually primarily based on inflation.

Whereas these figures could appear 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 will 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 selections, some tougher than others. Discovering and selecting a medical health insurance plan can rank up there with one of many extra concerned choices a lot of should make.

In case you are an worker and your organization supplies a sturdy advantages bundle together with medical health insurance plan selections, the choice is commonly merely choosing one plan over one other. However in case you are an employer making an attempt 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 will help you by the method.

There are a lot of good causes to decide on us that will help you along with your medical health insurance wants, and listed below are 4 of the highest causes.

 

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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 many years of expertise with. And our professional group of brokers are properly geared up that will help 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 accessible is to seek out one that matches your wants and your finances.

As skilled brokers, we are able to confidently work with you to match plan particulars and clarify charges and pricing, in addition to clarify in easy phrases any advanced options or unfamiliar verbiage.

Our brokers can even stroll you thru the method to find out in case you qualify for subsidies on Lined California particular person or household protection insurance coverage premiums. We will even make suggestions for plans we imagine might 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 software course of, in addition to tackle any delays or different technicalities to assist make the buying course of simpler for you.

 

WE HAVE ACCESS TO OPTIONS

One more reason to decide on J.C. Lewis Insurance coverage in your medical health insurance wants is to benefit from 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 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 benefit from the broader vary of choices we are able to present and, consequently, discover a extra appropriate healthcare protection plan in your wants, all of which is a big profit to you.

 

WE CAN GET THE BEST COVERAGE AT THE RIGHT COST

Within the greater than a decade for the reason that Inexpensive Care Act was carried out, the nation has seen modifications of their common month-to-month premium prices for medical health insurance. Whereas some have skilled important 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 growing by 129 p.c from 2013 to 2019.”

The identical article notes that medical health insurance premiums fluctuate as a result of plan variations together with scope of lined advantages, their ranges of affected person value sharing, and their panels of collaborating 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 properly is there is no such thing as a “one-size-fits-all” plan that could be a good match in your healthcare wants, whatever the affordability.

We may also help you receive the perfect protection at a value that’s inexpensive, however that additionally ensures that you’re getting the appropriate protection on the proper worth.

 

WE PROVIDE PERSONAL SERVICE

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

While 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 realm but additionally the perfect medical health insurance suppliers in our space.

Private service means we are able to 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 essentially the most advantages in 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 companion 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 licensed by every insurance coverage service we characterize.

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

Discovering the appropriate medical health insurance plan in California might be difficult and there are various choices to select from. For instance, in case your employer doesn’t provide well being advantages, an particular person or household plan could also be the most suitable choice for you otherwise you and your loved ones.

And in case you’re a small enterprise employer who desires to begin 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 in 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 appropriate options in your medical health insurance wants.

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

 

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