Under Health Insurance Coverage
Covering ALL costs! Even if you had a Bronze Plan!
CA Department of Insurance
All Lines of Insurance
What if I cannot pay my insurance premiums?
Requesting a 60-day grace period to pay insurance premiums – On March 18, 2020, the Department issued a Notice requesting all insurance companies provide their policyholders with at least a 60-day grace period to pay their premiums.
Consumers should contact their insurance company if they need additional time to pay their premium.
Enrollment is OPEN due to pandemic!
Rate Increase for COVID 19?
The COVID-19 outbreak could cause premiums for individuals and employers to spike from 4% to 40% next year, according to a study from Covered CA!
Treatment costs could also vary dramatically, as they could be roughly $30,000 per admission for COVID-19. That figure is based on Medicare rates and the average length of stay of 12 days, which is a similar length for other respiratory cases such as the flu or pneumonia. Fierce Health Care *
Broker Bulletins – including Special Enrollment
Our Medicare Website
Our Webpage on Sutter Individual with more information
More info /covid19
Our webpage on what Worker’s Comp covers
Testing with No Co-Pays, Deductibles, No Out of Pocket, etc.
Californian’s who fit the testing requirements (visit our webpage on Medical Necessity) will receive the test at no charge. This could be a $1331 expense conservatively Real Clear Politics * Governor Newsom and Insurance Commissioner Lara announced Thursday March 5th. * Los Angeles Times 3.5.2020 *
Do you need the test?
City of Los Angeles – Schedule a Test if you have symptoms or been in contact with an infected person.
Los Angeles Times Steve Lopez 3.24.2020 on what to do if you think you have the virus?
Testing – from swab to result – LA Times 4.1.2020
You may need testing if you have symptoms of infection and have recently traveled to parts of the world where infection rates are high. You may also need testing if you have had close contact with someone who has traveled to one of those areas.
Symptoms of coronavirus infections include:
Symptoms of COVID-19 are usually milder than those of SARS and MERS.
The symptoms of COVID-19 include:
- Shortness of breath
If you have symptoms and have not traveled to areas where infection rates have been high or been exposed to someone who has, it’s highly unlikely that you have one of these new coronaviruses. You may have another type of virus, such as the flu. The flu is much more common in the United States than the new coronaviruses.
If you test Positive
If your results were positive, it means you probably have a coronavirus infection. There is no specific treatment for these infections, but your health care provider may recommend steps to relieve your symptoms. These include:
- Drinking plenty of fluids
- Taking over-the-counter pain relievers
Learn more —
Visit our webpage on Medical Necessity
Mental Health Treatment
Our webpage on Medicare Mental Health
Anxiety about the Corona Virus
- checking several times a day can keep us in an escalated state of anxiety
- sticking to reliable sources of coronavirus information such as the U.S. Centers for Disease Control and Prevention (CDC).
- taking reasonable precautions,” safety advice from the CDC,
- such as frequent handwashing;
- stay home if you don’t feel well;
- get enough sleep and
- take good care of your immune system.
- “Preparing a plan for the future, such minimizing exposure to large crowds, makes sense and can help reduce anxiety,” UCSF.edu
- Fear is a normal, necessary evolutionary response to threat – ultimately designed to keep us safe. Whether the threat is emotional, social or physical, this response is dependent on a complex interaction between our primitive “animal brain” (the limbic system) and our sophisticated cognitive brain (the neo-cortex).
- People with health anxiety, preoccupied with health-related information or physical symptoms, are also at risk of worsening mental health as the virus spreads.
- stop checking. For example, avoid looking for signs of illness. You are likely to find unfamiliar physical sensations that are harmless but make you feel anxious. Normal physical changes and sensations pass in time, so if you feel your chest tighten, shift your focus onto pleasurable activities and adopt “watchful waiting” in the meantime.
- At times of stress and anxiety, hyperventilation and shallow breathing is common. Purposeful, regular breathing can therefore work to reset the fight or flight response and prevent the onset of panic and the unpleasant physical symptoms associated with anxiety. Science Alert. com
- Psychiatrist’s Guide to Coping with COVID 19 Jennifer Yashari MD
- Psych Hub, a free digital hub to help our members with the stress resulting from COVID-19. This hub brings together a variety of resources to help members cope with social isolation, job loss and mental health issues.
- help with food, housing, job training, transportation and other social support. Aunt Bertha to connect individuals and families to social services in their communities. visit Aunt Bertha and enter your ZIP code.
Government Public Health Agencies
Department of Industrial Relations – Paid Sick Leave
US Department of Labor – Pandemic
Small Biz Administration
Our Webpage on SBA Loans
Our webpage on CARES Act
CA State Senator Steve Bradford’s Links & Tools
State of CA
Social Service Agencies
Resources available from AARP
Links & References
to our web pages
S 3548 CARES Act on Congress.Gov
Medicare Eligible - Lay off from Employer Plan?
Michael Flor leaves hospital after 62 day stay for COVID 19
Lost your job?
Corona Virus Health Insurance
Alternatives & Options
Steve explains this page
Oscar Telemed Video
Insubuy Travel Health Insurance
Instant Quotes, Details and ONLINE Enrollment
Oscar Video on Corona Virus Coverage
We want our members to go to the doctor if they are feeling sick, and to get tested for COVID-19, if it’s recommended. We don’t want the cost of the test to be a barrier to patients seeking care.
Life Insurance Buyers Guide
Video on how much coverage for death protection you need
Other Pages in Wellness website
- Insomnia – Proper Rest & Sleep
- Nutrition & Weight Control
- Preventative Care
- Site Map
- Wellness & Preventive Care – Introduction
- Wellness Programs
In the year 1968, every day is the same for Dr. Robert Morgan (Price): he wakes up, gathers his weapons, and then goes hunting for vampires. Morgan lives in a world where everyone else has been infected by a plague that has turned them into undead, vampiric creatures that cannot stand sunlight, fear mirrors, and are repelled by garlic. They would kill Morgan if they could, but they are weak and unintelligent. At night, Morgan locks himself inside his house; during the day, he kills as many vampires as he can, burning the bodies.