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“OnlyHealthInsurance believes that Medicare Supplement insurance is, in part, the best approach for creating a comprehensive healthcare package.”
Phil Dougherty, President, OHI
Supreme Court decides to keep ACA subsidy.
A big decision was made last week by the Supreme Court, which could have negatively impacted millions of Americans receiving health insurance subsidies in states where the federally run exchange is used. Known as the King v. Burwell case, the Court ruled against the...
Covered California (CoveredCA) Alert
Any one insured under CoveredCA, and receiving subsidies, should be aware of a recent development that may impact them. CoveredCA subsidy eligibility is based on the household’s Modified Adjusted Gross Income (MAGI) and is available for those whose annual income meets...
What to do while “locked-in”.
Many of us in individual health plans are unable to make a plan change outside of open enrollment. Unless you have a qualifying event, such as a change in family status, a move, or the loss of group health insurance, you may have to wait until open enrollment...
What is Special Enrollment?
Special Enrollment is a window of time outside of the annual open enrollment period during which you and your family can enroll in a healthcare plan. The next annual open enrollment period for the 2016 plan year is currently scheduled for November 1, 2015 – January...
A Case of the Flu.
2015 started with a bang...actually with a cough. Like many in my circle of friends and acquaintances, I got the flu. After a few days of suffering, I found myself on a Saturday morning in mid-January with a choice to make. Do I continue with my Nyquil binge and...
Blue Shield and Sutter Health, a love story.
It was touch and go there for a bit, but Blue Shield of California and Sutter Health resolved their differences and signed a new two-year agreement that will keep Sutter hospitals and medical centers in Blue Shield’s provider network. The public jousting was palpable...
Deadline approaching…
There are just five days left to renew your health insurance for 2015 if you want it effective on January 1, 2015. In both Covered CA and the private marketplace, you have through December 15, 2014 to explore your options and make any changes to your health insurance...
Open Enrollment is here!
The first annual open enrollment period since the implementation of health care reform has started and it’s time to evaluate plan options for 2015. For those who have existing individual or family coverage and want to consider a change, are enrolled in group or COBRA...
Commissioner Jones: Superhero or Opportunist?
BAM! POW! WHAM! Insurance Companies take cover. CA Insurance Commissioner Dave Jones has changed into his spandex and cape! (Play superhero theme music.) And, with the help of his sidekick (Proposition 45), he’s ready to challenge his arch nemesis (aka insurance...
It’s not just what’s on the ballot that matters; it’s when the vote is held.
There is no better example of this than the upcoming November election. Originally set for October 15 – December 7, this year’s annual open enrollment period, when consumers can enroll in ACA compliant coverage for the first time or change plans for the next plan...
Testimonials
“Wow! Talk about fast and easy! Made an appointment with Phil through his website; he called me at the exact time of our appointment, was friendly, knowledgeable, and professional. He explained the coverage to me and from start to the finish of receiving an email with my policy info…. 20 minutes!!! I may just travel abroad more often now! Thanks Phil!
“I’d like to give Phil more than 5 stars for his incredible customer service and knowledge. Because he was on the ball and watching out for me (unasked), he saved me from going into a health plan that was not right for me. He called me out of the blue to confirm that the changes I made to my healthcare plan were what I wanted. I had misunderstood the differences (no thanks to Blue Shield rep) and Phil saved the day. Thank goodness he is my broker. He should be yours too.
“I was searching for weeks for affordable health care and Phil Dougherty and his team got me covered right away! My family was considered high risk and he took care of us from beginning to end. He was always available by phone to talk and did all the paperwork for us. He was a godsend during the many changes happening in healthcare! I highly recommend Phil for helping you find the best health care for you and your family. “