A+ Travel Insurance offers superior medical travel insurance products that every Travel Agent should offer to their clients!

Small Business: 1-50 employees

If you enrolled your employees in health care via the SHOP Marketplace in 2015, you’ll qualify for what could be a sizeable tax write-off. Tax credit could be worth up to 50% of your contribution toward your employees’ premium costs.

In general, the fewer employees your company has, the greater your tax credit will be, especially if the average salary of your workforce is less than $25,000.

Here’s good news for small business owners who haven’t signed their employees up for health care yet: in 2015, businesses with 50 employees or fewer can sign up for coverage through the SHOP Marketplace.

The draft instructions clarify that forms 1094-B and 1095-B are to be used by organizations that are not reporting to the IRS as large employers, while forms 1094-C and 1095-C are to be used by organizations that are subject to the employer mandate. The 1094-B form is a transmittal form. The 1095-A form is for issuers reporting on individual marketplace plans, while the 1095-B form applies to fully insured plans and issuers that provide minimal essential coverage to report on the individual and group plans in the private market and SHOP marketplace. I will continue to update you once the instructions are finalized

Subject to the employer mandate effective date: 01/01/15: over 100 employees:

http://newsmanager.commpartners.com/nahuw/downloads/ER_Reporting_DRAFT_filing_1094C_and_1095C.pdf not reporting to the IRS as a large employers: less than 100 employees:

http://newsmanager.commpartners.com/nahuw/downloads/ER_Reporting_DRAFT_filing_1094B_and_1095B.pdf

Blessings for a wonderful day!

Covered California Announces 2015 Rates & Health Plans

Today, Covered California announced 10 health insurance plans have been tentatively selected to be in the Exchange for calendar year 2015.

Here is a link to the press release and leadership remarks regarding this announcement. Details on the plans available in specific pricing regions can be found here. The tentative selection of health plans is subject to rate review by state regulators and is expected to be finalized in late September.

The 10 Covered California plans for 2015 are:

  • Anthem Blue Cross of California
  • Blue Shield of California
  • Chinese Community Health Plan
  • Health Net
  • Kaiser Permanente
  • L.A. Care Health Plan
  • Molina Healthcare
  • Sharp Health Plan
  • Valley Health Plan
  • Western Health Advantage

Alameda Alliance for Health and Contra Costa Health Plan will not participate in 2015.

Read more: Covered California - 2015 Rates & Health Plans

Thousands Scramble To Prove They Are In US Legally To Continue Receiving Health Coverage.

In continuing coverage, the Wall Street Journal (8/14, Radnofsky, Subscription Publication) reports that ACA supporters are scrambling to make sure thousands of people provide documents to demonstrate that they are in the country legally and entitled to coverage under the law. The Journal notes that the Obama Administration announced Tuesday that it would end coverage for some 300,000 people who enrolled on HealthCare.gov if they do not provide information in the next few weeks showing they are US citizens or legal residents.

Read more: Health Care Updates

Blessings and Best Wishes to You!

We hope you and your families enjoyed your summer and are ready for the upcoming fall season! We are all well aware of the never ending changes and correspondence you are receiving from Covered California, as we are now preparing for the upcoming open enrollment, we need to keep you informed of any crucial developments/deadlines/changes that could affect your health coverage.


There are three very important updates you need to be aware of:

  • First, any missing documentation that has been requested or information that was unable to be electronically verified MUST be submitted or addressed immediately, final deadline to avoid loss of coverage is SEPTEMBER 5, 2014. (If you are unsure of missing documents you can either call our office to inquire or call 1-800-300-1506)
  • Second, any citizenship or immigration/lawful presence letters requesting documentation you may have received also need to be addressed and or submitted by SEPTEMBER 5, 2014.
  • Third, on August 28, 2014, Covered California sent out notices to health plan enrollees asking permission to automatically verify their income for the coverage year 2015. To avoid any confusion, let me give you the bottom line! The page that is titled “Renewal of Insurance Consent Form” is what really needs to be addressed immediately. ****Our recommendation is that you either send us an email with your selection so that we have it writing to be filed, or fax us the completed form you received so that we can update your account immediately. If you have access to your account, you can also confirm that way by logging on and checking the box provided. We highly recommend that you notify us of any changes.

FAILURE TO PROVIDE ANY OUTSTANDING DOCUMENTS OR COMPLETE THE “RENEWAL OF INSURANCE CONSENT FORM” WILL RESULT IN LOSS OF COVERAGE. ANY MEDI-CAL INQUIRIES SHOULD BE MADE THROUGH MEDI-CAL DIRECTLY AT 1-800-578-6762. ANY MEDI-CAL RECIPIENTS THAT NEED TO PROVIDE DOCUMENTS CAN DO SO THROUGH OUR OFFICE UNLESS ADVISED OTHERWISE BY MEDI-CAL.

Read more: Covered California - Updates/Deadlines/Changes
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A Plus Insurance Service 
12500 Riverside Dr. Suite #206
Valley Village, CA 91607
Toll-Free: 1-888-98A-PLUS
t: 818-508-7177
f: 818-508-7197
License Number # 0784572

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