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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 Might 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 typically want to search out one of the best plan choices to supply their staff. And the very fact is that most individuals should not specialists within the realm of medical insurance protection.

Which is why having the help and steering of a good skilled in medical insurance will be vitally vital and useful.

In fact, in California it’s comparatively straightforward for people to buy a well being plan for themselves, or for his or her households and themselves. Nonetheless, the choices are so assorted and the distinctions between varied plans are so advanced, that it’s fairly potential to choose a plan that’s removed from being one of the best 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 one of the best answer to your medical insurance wants.

 

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

One of many advantages of medical insurance plan choices for these dwelling in California is that staff wouldn’t have to simply accept the plans offered by their employers. If you happen to select to decide out of your organization’s plan choices, you may, should you want, store immediately with medical insurance suppliers or by means of the state’s well being alternate often known as Lined California.

Nonetheless, what you’ll doubtless discover is that the choices will be overwhelming.

Lined California, for instance, presently works with 13 completely different medical insurance suppliers, every of which presents a number of plans underneath no less than 4 completely different classes often known as Platinum, Gold, Silver, and Bronze plans. And this doesn’t keep in mind the choices of catastrophic plans and short-term plans.

Most people trying to buy a medical insurance plan are involved with affordability, in fact, but additionally with ample protection and availability of providers. And these are elements that may be troublesome to find out with out an in depth data of the business.

The very fact is that the healthcare insurance coverage business is sophisticated and frequently altering. As well as, there are timelines to adjust to and limitations based mostly on revenue 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 accustomed to 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 insurance or else be topic to a tax penalty.

As of 2019, the Obamacare particular person mandate was basically made null and not applies on the federal stage. Nonetheless, a couple of states, equivalent to California, applied their very own model of the person mandate.

The California Franchise Tax Board (FTB) imposes a penalty for not having medical insurance that’s both the larger of two.5 % of the family annual revenue or a flat greenback quantity of $750 per grownup and $375 per baby within the family. And these numbers can improve annually based mostly on inflation.

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

 

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

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

If you’re an worker and your organization offers a strong advantages bundle together with medical insurance plan selections, the choice is commonly merely selecting one plan over one other. However if you’re an employer making an attempt to make sense of the varied 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 means of the method.

There are numerous good causes to decide on us that can assist you along with your medical 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 insurance choice course of for each people and small enterprise house owners is one thing that now we have a long time of expertise with. And our skilled staff of brokers are effectively geared up that can assist you by means of 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 insurance plans obtainable is to search out one that matches your wants and your price range.

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 may also stroll you thru the method to find out should you qualify for subsidies on Lined California particular person or household protection insurance coverage premiums. We may even make suggestions for plans we imagine will be the best choice for you, otherwise you and your loved ones.

A J.C. Lewis agent may even take the time to help you thru the coverage utility course of, in addition to handle 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 to your medical insurance wants is to reap the benefits of our broad entry to the main medical insurance carriers licensed to do enterprise in California.

As licensed California insurance coverage brokers and brokers, now we have entry to all kinds of medical insurance plan sorts and carriers. This implies, amongst different issues, that as a person or a small enterprise proprietor, you may reap the benefits of the broader vary of choices we are able to present and, consequently, discover a extra appropriate healthcare protection plan to 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 because the Inexpensive Care Act was applied, the nation has seen adjustments of their common month-to-month premium prices for medical insurance. Whereas some have skilled vital reductions in prices from the good thing about federal tax subsidies utilized to those that qualify for these packages, others have had the alternative.

In accordance with one supply,

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

The identical article notes that medical insurance premiums differ as a consequence of plan variations together with scope of lined advantages, their ranges of affected person price sharing, and their panels of taking part suppliers, in addition to variations in enrollee age and site, amongst different metrics.

At J.C. Lewis Insurance coverage, one of many truths we perceive effectively 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 may also help you receive one of the best protection at a value that’s reasonably priced, however that additionally ensures that you’re getting the suitable 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.

While you work with J.C. Lewis Insurance coverage, you gained’t be navigating sophisticated web site portals or robotic telephone assistants. You’ll be working face-to-face with somebody who not solely is aware of the world but additionally one of the best medical 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 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 accomplice and we provide high quality medical insurance plans solely from the main medical insurance carriers licensed to do enterprise within the states that we function in.

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

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

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

And should you’re a small enterprise employer who desires to begin providing medical insurance choices to your staff, we’re prepared to assist and reply any questions you could have.

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

So, name us in the present day for extra data or request a quote on-line.

 

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