California Insurance – Tinigard http://tinigard.info/ Sat, 08 Jan 2022 11:24:19 +0000 en-US hourly 1 https://wordpress.org/?v=5.8 https://tinigard.info/wp-content/uploads/2021/05/default1-150x150.png California Insurance – Tinigard http://tinigard.info/ 32 32 Colorado fire victims face steep construction costs exceeding insurance coverage https://tinigard.info/colorado-fire-victims-face-steep-construction-costs-exceeding-insurance-coverage/ Sat, 08 Jan 2022 00:46:02 +0000 https://tinigard.info/colorado-fire-victims-face-steep-construction-costs-exceeding-insurance-coverage/ Find out what clicks on FoxBusiness.com. Rising construction costs will push the cost of rebuilding after Colorado’s most destructive wildfire beyond the insurance coverage of some homeowners, according to construction officials, industry. insurance and government. Losses are expected to reach $ 1 billion in the Marshall Fire last week, which swept through suburbs between Denver […]]]>

Rising construction costs will push the cost of rebuilding after Colorado’s most destructive wildfire beyond the insurance coverage of some homeowners, according to construction officials, industry. insurance and government.

Losses are expected to reach $ 1 billion in the Marshall Fire last week, which swept through suburbs between Denver and Boulder, Colorado. Rebuilding the nearly 1,000 destroyed homes and repairing damage to hundreds more will strain builders and already stretched supply chains.

Insurers believe the majority of homeowners in burnt out neighborhoods have sufficient coverage for most reconstruction costs. This contrasts with rural Kentucky hit by tornadoes last month, where some working-class homeowners had little or no insurance.

FIRE IN COLORADO: 2 MISSING AS THE INVESTIGATION CONTINUES

In both places, labor shortages and the extent of the damage will make reconstruction more difficult, said Erin Collins, senior vice president of the National Association of Mutual Insurance Cos., A trade group. “There are people in the two affected areas who are uninsured or who did not have adequate coverage in place to make up for their losses,” she said.

About two-thirds of fire victims are typically underinsured, according to surveys by United Policyholders, a national nonprofit consumer advocacy group based in California. A survey of those affected by the 2020 wildfires in Grand and Larimer counties of Colorado found shortages often amounting to hundreds of thousands of dollars.

A major cause is the difficulty for homeowners to determine the amount of coverage they need, said Daniel Schwarcz, a University of Minnesota law school professor who has studied homeowners insurance. Part of the problem is that consumers have a wide choice, and many are switching to cheaper policies to maintain their annual premiums.

For buyers, “transparency is incredibly limited” in determining what a limit should be, he said. Many consumers assume that an agent or insurer has a financial incentive to sell them more coverage than they need, he said. But some agents promote cheaper policies because they don’t want to lose a sale to a rival.

In some disaster-prone areas, insurers are trying to limit their potential losses, said Amy Bach, executive director of United Policyholders. “We know of many situations where consumers ask for higher limits and are refused,” she said.

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Last week’s blaze was the most destructive wildfire in Colorado history in terms of the number of structures destroyed, according to disaster modeling firm Karen Clark & ​​Co. His estimate of $ 1 billion of insured damage includes homes in the Louisville and Superior areas and unincorporated Boulder County. as well as a large shopping area with a destroyed shopping center and hotel.

Colorado Insurance Commissioner Michael Conway said “there would likely be an underinsurance problem,” resulting from both inadequate coverage amounts up front and continued inflation. Having said that, over the next couple of years, as construction kicks off, “there will be so much change in inflation, in construction costs, in labor costs, that when we get to the point of rebuilding. these houses, the world will probably look very different. “

FIRE IN COLORADO: BUFFALOES COACH MARK SMITH REVEALS HIS FAMILY LOST “ALL MATERIAL POSSESSIONS”

He noted that the Federal Emergency Management Agency provides financial assistance for underinsurance, although the agency typically does not act at a consumer’s request until a carrier has completed their payments. totals.

Insurers recognize that the proceeds from their policies won’t always be enough to cover damage, but say their agents have worked hard in recent years, in the face of other high-profile disasters, to promote the purchase of policies with them. more generous terms.

As in many cities across the country, the Denver area housing market has been hot over the past year. Low mortgage rates led to strong home buying demand that far outstripped the number of properties for sale, pushing up house prices.

In this August 17, 2021 file photo, seen in a long-exposure photograph, embers light up the hills as the Dixie Fire burns near Milford in Lassen County, California. (Associated press / AP press room)

Builders have increased activity in response, with housing starts in the Denver metro area up 30% in the third quarter from a year earlier, according to housing market research firm Zonda. But they have been slowed down by labor shortages and supply chain issues. Nationally, the cost of home building materials rose 21% in November from the previous year, while wages in residential construction rose 8.1% in October from the previous year. year, according to an analysis of government data from the National Association of Home Builders.

Boulder County is the most difficult and expensive area to build new homes in the Denver metro area, due to the limited supply of land and higher regulatory costs, said John Covert, director of the council. at Zonda. As houses in the city of Boulder have become more expensive, demand has increased in neighboring suburbs including Louisville and Superior, he said.

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Construction costs in today’s market are particularly volatile due to supply chain disruptions, said David Sinkey, general manager of Boulder Creek Neighborhoods, a Louisville-based builder.

“Cost predictability is almost impossible right now,” he said. “I think a lot of people are starting to think that the insurance coverage will be much lower than the current cost of construction.”

Underinsurance can lead to delays in rebuilding, and some people whose homes were destroyed in wildfires in the Boulder area in 2020 have yet to rebuild. “My wounds were gutted last Thursday, and I relived every moment of the trauma” of the fire that burned down his Boulder home in October 2020, said Kevin Mott, a dermatologist who lives in an RV for the instant.

His insurance failed and his reconstruction was delayed while he matched funding. He had a limit of $ 900,000 for the housing itself, plus $ 700,000 for the contents. His new home will cost around $ 2 million, including the upgrades needed to meet new local building regulations, he said.

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With the exception of insurers selling to wealthy owners, most carriers have eliminated the once common and relatively generous guarantees to pay the full cost of rebuilding. Instead, in the event of a shortfall, some policies offer to pay a fixed amount, such as 20%, above the insured value of a home.

Many insurers, including State Farm and USAA, also include some type of inflation protection. But they still rely on homeowners to update their policies to account for renovations or expansions.


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California poll will weigh heavily on health care https://tinigard.info/california-poll-will-weigh-heavily-on-health-care/ Thu, 06 Jan 2022 10:00:00 +0000 https://tinigard.info/california-poll-will-weigh-heavily-on-health-care/ SACRAMENTO – When Californians go to the polls later this year, they will be faced with controversial health care choices. Voters will weigh whether to overturn a state law that bans flavored tobacco products and likely consider increasing the cap on medical malpractice benefits. They can also vote on proposals that effectively legalize psychedelic mushrooms […]]]>

SACRAMENTO – When Californians go to the polls later this year, they will be faced with controversial health care choices.

Voters will weigh whether to overturn a state law that bans flavored tobacco products and likely consider increasing the cap on medical malpractice benefits. They can also vote on proposals that effectively legalize psychedelic mushrooms and regulate dialysis clinics.

Two measures related to the pandemic could also qualify for the general election on November 8: one would tax the wealthiest residents of California to create an institute to detect epidemics and strengthen the state’s public health system. The other would limit the ability of government officials to shut down schools and businesses in the event of a public health emergency.

Although the elections are about 10 months away, money is already pouring in from deep-pocketed interests eager to defeat measures that would reduce their profits.

Big Tabac has invested $ 21 million to overturn the ban on flavored products, and the healthcare industry has given up $ 43 million to push back the proposal to increase California’s cap on medical malpractice rewards, according to the reports. Campaign fundraising records filed with the California Secretary of State’s office. from December 27, 2019 to December 30, 2021.

“The stakes couldn’t be higher at the monetary and human level,” said Thad Kousser, who chairs the department of political science at the University of California-San Diego. “Healthcare is a massive industry, as well as something that affects people in their most vulnerable times.”

Kousser, an expert on the California initiative process, noted that big spending doesn’t guarantee victory. He pointed to failed attempts by Mercury Insurance and its chairman in 2010 and 2012 to increase auto insurance premiums – voting measures voters rejected despite massive industry spending.

The flavored tobacco measure is the only one that officially qualified for the general election ballot, but supporters of the medical malpractice proposal have garnered enough signatures for it to qualify, according to the secretary’s office. State.

The healthcare industry is not waiting for the malpractice initiative to become official. The $ 43 million the California Medical Association, California Hospital Association and their allies gave to defeat her is almost three-quarters of the amount they spent to successfully oppose a medical malpractice voting measure. 2014, according to a KHN analysis of campaign fundraising records.

It’s also nearly four times what supporters of the 2014 initiative, who also reportedly raised the cap, raised for their entire campaign. This time around, the author of the medical malpractice voting measure said he plans to invest up to $ 40 million of his own money to counter opposition from the healthcare industry.

“I’m not backing down,” General Counsel Nick Rowley told KHN. “We have a grassroots effort. They have no idea what’s to come.

The measure would bring California’s $ 250,000 cap on medical malpractice benefits to about $ 1.2 million, adjusted annually for inflation. It would also change state law to allow a judge or jury to exceed the cap when a patient is permanently weakened, disfigured or disabled, or a loved one has died – categories which critics say , would essentially include all patients and providers subject to a flood of prosecutions.

California lawmakers set the cap at $ 250,000 in 1975 after doctors and hospitals complained that malpractice lawsuits were driving up costs and could push providers out of state.

More than four decades later, doctors and other providers are making a similar point.

“The biggest fear we have, if this is successful, is that we will have to stretch resources that are already thin,” said Leslie Abasta-Cummings, CEO of Livingston Community Health and Chairman of the Board of the Central Valley Health Network, which represents more than 100 health clinics. Patients, she warned, could “lose access to health care in some areas.”

Rowley, a Montana resident who practices law across the country, dismissed the argument, pointing to a growing number of states that no longer have a cap or have raised it. Doctors, he said, continue to practice in those states while victims of malpractice in California have limited legal options.

Healthcare providers are also preparing to defend a 2020 state law that bans the sale of flavored tobacco products popular with young people who smoke or vape.

When lawmakers approved the ban, they argued that the tobacco industry should not be allowed to market menthol e-cigarettes, candy and fruit to children. Tobacco companies argue that the law takes legal products off the market that adults should be allowed to use – and that it discriminates against black smokers who favor menthol cigarettes.

The California Coalition for Fairness – funded largely by tobacco giants RJ Reynolds Tobacco Co. and Philip Morris USA and its US subsidiary Smokeless Tobacco Co. – is trying to overturn the law through a referendum. The coalition quickly demonstrated political might, raising $ 21 million in the three months following the signing of the law by Governor Gavin Newsom in August 2020.

Healthcare groups have rallied together to defeat the measure of the ballot, but are far behind, with just $ 2.7 million in contributions – nearly 60% of it coming from former New York Mayor Michael Bloomberg.

Several other health proposals could appear on the ballot:

  • Supporters of a measure to decriminalize the possession and cultivation of psychedelic mushrooms have until March 15 to collect the necessary signatures. Mushrooms containing psilocybin, known as “magic mushrooms”, are a Schedule I controlled substance under federal law. A growing number of states and cities, including Oakland, Santa Cruz, and Arcata in California, have decriminalized mushrooms.
  • A union of healthcare workers is back with a third attempt to regulate dialysis clinics through the ballot process, calling for greater transparency in clinic ownership and stricter staffing requirements. If the past is any indication, the dialysis industry will again spend heavily to derail the initiative if the SEIU-United Healthcare Workers West union gets the signatures it needs by April 27. ads and spending $ 111 million in 2018 and $ 105 million in 2020.
  • Frustrated by school and business closures during the pandemic, supporters of a proposed initiative want to limit trade restrictions during public health and other emergencies to 30 days, unless they are extended every 30 days by state and local lawmakers. The proposal would require big box retailers to be treated like small businesses, noting that many small businesses were forced to close at the start of the pandemic while large retailers remained open. The proposal also describes schools as an essential service which should remain open “to the extent possible”. Supporters have until May 3 to collect signatures.
  • A proposal to strengthen California’s public health system, which its supporters say collapsed during the covid-19 pandemic, would raise the personal income tax rate by three-quarters of a percentage point additional income over $ 5 million. The tax would last 10 years and generate up to $ 1.5 billion per year. Half of the proceeds would fund an institute to detect and prevent new outbreaks, 25% would pay for school safety upgrades, and 25% would help rebuild the local public health workforce and infrastructure. Contributors have until May 23 to collect signatures.

Angela Hart of California Healthline contributed to this report.

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California poll of 2022 will be heavy on health care https://tinigard.info/california-poll-of-2022-will-be-heavy-on-health-care/ Tue, 04 Jan 2022 15:33:16 +0000 https://tinigard.info/california-poll-of-2022-will-be-heavy-on-health-care/ When Californians go to the polls this year, they will be faced with controversial health care choices. Voters will weigh whether to overturn a state law that bans flavored tobacco products and likely consider increasing the cap on medical malpractice benefits. They can also vote on proposals that effectively legalize psychedelic mushrooms and regulate dialysis […]]]>

When Californians go to the polls this year, they will be faced with controversial health care choices.

Voters will weigh whether to overturn a state law that bans flavored tobacco products and likely consider increasing the cap on medical malpractice benefits. They can also vote on proposals that effectively legalize psychedelic mushrooms and regulate dialysis clinics.

Two measures related to the pandemic could also qualify for the general election on November 8: one would tax the wealthiest residents of California to create an institute to detect epidemics and strengthen the state’s public health system. The other would limit the ability of government officials to shut down schools and businesses in the event of a public health emergency.

Although the elections are about 10 months away, money is already pouring in from deep-pocketed interests eager to defeat measures that would reduce their profits.

Big Tabac invested $ 21 million to overturn the ban on flavored products, and the healthcare industry gave up nearly $ 18 million to push back the proposal to increase California’s cap on medical malpractice awards, according to campaign fundraising records filed with the California Secretary of State. office from September 1, 2020 to December 8, 2021.

“The stakes could not be higher in monetary and human terms,” said Thad Kousser, who chairs the Department of Political Science at the University of California-San Diego. “Healthcare is a massive industry, as well as something that affects people in their most vulnerable times.”

Kousser, an expert on the California initiative process, noted that big spending doesn’t guarantee victory. He pointed to failed attempts by Mercury Insurance and its chairman in 2010 and 2012 to increase auto insurance premiums – voting measures voters rejected despite massive industry spending.

The flavored tobacco measure is the only one that officially qualified for the general election ballot, but supporters of the medical malpractice proposal have garnered enough signatures for it to qualify, according to the secretary’s office. State.

The healthcare industry is not waiting for the malpractice initiative to become official. The nearly $ 18 million the California Medical Association, California Hospital Association, and their allies donated to defeat her is almost a third of the amount they spent to successfully oppose a voting measure for 2014 medical malpractice, according to a KHN analysis of campaign fundraising records.

It is also more than the supporters of the initiative of 2014, who would have also increased the ceiling, raised for the whole of their campaign. This time around, the author of the medical malpractice voting measure said he plans to invest up to $ 40 million of his own money to counter opposition from the healthcare industry.

“I’m not backing down,” General Counsel Nick Rowley told KHN. “We have a grassroots effort. They have no idea what’s to come.

The measure would bring California’s $ 250,000 cap on medical malpractice benefits to about $ 1.2 million, adjusted annually for inflation. It would also change state law to allow a judge or jury to exceed the cap when a patient is left intoxicated, disfigured or permanently disabled, or a loved one has died – categories that critics say essentially include all patients and providers subject to a flood of prosecutions.

California lawmakers set the $ 250,000 cap in 1975 after doctors and hospitals complained that malpractice lawsuits were driving up costs and could push providers out of state.

More than four decades later, doctors and other providers are making a similar point.

“The biggest fear we have, if this is successful, is that we will have to stretch resources that are already thin,” said Leslie Abasta-Cummings, CEO of Livingston Community Health and Chairman of the Board of the Central Valley Health Network, which represents more than 100 health clinics. Patients, she warned, could “lose access to health care in some areas.”

Rowley, a Montana resident who practices law across the country, dismissed the argument, pointing to a growing number of states that no longer have a cap or have raised it. Doctors, he said, continue to practice in those states while victims of malpractice in California have limited legal options.

Healthcare providers are also preparing to defend a 2020 state law that bans the sale of flavored tobacco products popular with young people who smoke or vape.

When lawmakers approved the ban, they argued that the tobacco industry should not be allowed to market menthol e-cigarettes, candy and fruit to children. Tobacco companies argue that the law takes legal products off the market that adults should be allowed to use – and that it discriminates against black smokers who favor menthol cigarettes.

The California Coalition for Fairness – funded largely by tobacco giants RJ Reynolds Tobacco Co. and Philip Morris USA and its US subsidiary Smokeless Tobacco Co. – is trying to overturn the law through a referendum. The coalition quickly demonstrated political might, raising $ 21 million in the three months following the signing of the law by Governor Gavin Newsom in August 2020.

Healthcare groups have rallied together to defeat the measure of the ballot, but are far behind, with just $ 2.2 million in contributions – nearly 70% of which came from former New York City mayor Michael Bloomberg.

Several other health proposals could appear on the ballot:

▪ Supporters of a measure to decriminalize the possession and cultivation of psychedelic mushrooms have until March 15 to collect the necessary signatures. Mushrooms containing psilocybin, known as “magic mushrooms”, are a Schedule I controlled substance under federal law.

A growing number of states and cities, including Oakland, Santa Cruz, and Arcata in California, have decriminalized mushrooms.

▪ A union of healthcare workers is back with a third attempt to regulate dialysis clinics through the ballot process, calling for greater transparency in clinic ownership and stricter staffing requirements. If the past is any indication, the dialysis industry will again spend heavily to derail the initiative if the SEIU-United Healthcare Workers West union gets the signatures it needs by April 27. ads and spending $ 111 million in 2018 and $ 105 million in 2020.

▪ Frustrated by school and business closures during the pandemic, supporters of a proposed initiative want to limit trade restrictions during public health and other emergencies to 30 days, unless they are extended every 30 days by state and local lawmakers. The proposal would require big box retailers to be treated like small businesses, noting that many small businesses were forced to close at the start of the pandemic while large retailers remained open. The proposal also describes schools as an essential service which should remain open “to the extent possible”. Supporters have until May 3 to collect signatures.

▪ A proposal to strengthen California’s public health system, which its supporters say collapsed during the covid-19 pandemic, would raise the personal tax rate by an additional three-quarters of a percentage point on revenues greater than $ 5 million. The tax would last 10 years and generate up to $ 1.5 billion per year. Half of the proceeds would fund an institute to detect and prevent new outbreaks, 25% would pay for school safety upgrades, and 25% would help rebuild the local public health workforce and infrastructure. Contributors have until May 23 to collect signatures.

Angela Hart of California Healthline contributed to this story.

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New ban on surprise medical bills begins today https://tinigard.info/new-ban-on-surprise-medical-bills-begins-today/ Sun, 02 Jan 2022 11:54:13 +0000 https://tinigard.info/new-ban-on-surprise-medical-bills-begins-today/ Several studies have found that about 20 percent of U.S. patients who received emergency care were treated by someone outside of their insurance network, including emergency physicians, radiologists, or labs. Any of these providers could send patients an additional bill after the fact, and some medical groups did so routinely. Such bills are now illegal. […]]]>

Several studies have found that about 20 percent of U.S. patients who received emergency care were treated by someone outside of their insurance network, including emergency physicians, radiologists, or labs. Any of these providers could send patients an additional bill after the fact, and some medical groups did so routinely. Such bills are now illegal.

There is one important exception.

The new law does not prevent ambulance companies from billing you directly for their services if they are on the roads. It provides protection against surprise air ambulance bills.

Ground ambulances have been excluded from recent legislation because lawmakers determined they would need a different regulatory approach. Congress has created a commission to study the issue and may consider reforms.

Eleven states are blocking ambulances from sending off-grid medical bills. Patients who live in other states are very likely to receive a bill in the mail if they need an ambulance. Research shows that up to half of people who need an ambulance receive such a bill, although the amount is not always large.

For scheduled services, such as knee surgeries, cesarean sections or colonoscopies, it is important that you choose a facility and primary physician that is part of your insurance plan network. If you do this, it is against the law for anyone else who deals with you to send you a surprise invoice. It also solves an important problem. Surprise bills from anesthesiologists, radiologists, pathologists, assistant surgeons and laboratories were common before.

If for some reason you receive such a service and you really want an off-grid doctor to be part of your care, that doctor should usually inform you at least three days before your procedure and offer you a “voucher.” authentic estimate ”of the amount you will be billed. If you sign an acceptance to pay supplement form, you may receive additional invoices. But the hospital or clinic cannot force you to sign such a form as a condition of your care, and the form should include other choices of doctors who will accept your insurance.

“People should really, really think carefully before signing this form because they will be giving up all of their protections,” Kelmar said. She recommended that patients go directly to the part of the form that lists the covered alternatives.


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Take advantage of covered California insurance offers – Monterey Herald https://tinigard.info/take-advantage-of-covered-california-insurance-offers-monterey-herald/ Fri, 31 Dec 2021 17:11:07 +0000 https://tinigard.info/take-advantage-of-covered-california-insurance-offers-monterey-herald/ If you’re buying your own health insurance, it’s time to choose your coverage for 2022. If you buy it through Covered California, there’s a better chance than ever that you’ll get a big discount on your monthly premium – or pay. no premium at all. Many middle-class families who previously paid full price for their […]]]>

If you’re buying your own health insurance, it’s time to choose your coverage for 2022. If you buy it through Covered California, there’s a better chance than ever that you’ll get a big discount on your monthly premium – or pay. no premium at all.

Many middle-class families who previously paid full price for their health plans got financial help last year through the American Rescue Plan, a law that significantly expanded federal tax credits that reduce the premiums paid by consumers.

But hundreds of thousands of Californians eligible for credits are yet to reap the benefits. Among them are 575,000 uninsured people, most of whom could get coverage for $ 0 per month, and about 260,000 people who buy insurance outside of the state’s Affordable Care Act market and could save money. hundreds of dollars a month by opting in, according to estimates from Covered California.

“It’s a lot of money that people don’t realize they’re leaving on the table,” says Peter Lee, executive director of Covered California. “I don’t know of anyone who can easily send $ 10,000. “

Enrollment for 2022 coverage through Covered California – as well as for individual and family health plans purchased outside of the exchange – ends January 31. Consumers can enroll at any time of the year if they’ve undergone a major change in their life, such as losing a job, moving house, having a baby, getting married, or being affected by a natural disaster.

The additional federal tax credits are expected to expire at the end of 2022, but the current version of President Joe Biden’s approximately $ 2 trillion Build Back Better legislation, pending in Congress, would extend them until 2025.

If you already have a covered California plan that you like, it can be tempting to just renew it without checking out the other options. Resist this temptation. Insurers change their rates every year and new companies may have entered the market in your area. So a different health regimen might be a better deal than your current regimen.

But if you like the medical providers in your current network, make sure you have access to them in any health plan you are considering for the next year.

The American Rescue Plan not only gives many Californians significantly cheaper premiums, but also makes Cadillac coverage available for free if their income is low enough.

In general, individuals and families with annual incomes between 138% and 150% of the federal poverty line – $ 17,775 to $ 19,320 for one person and $ 36,570 to $ 39,750 for a family of four – can get the lowest level of coverage, known as bronze, for no monthly premium in 2022. But they also wouldn’t pay any premium if they chose a particularly generous plan known as silver-94. The individual version of the plan has a medical deductible of just $ 75, no prescription drug deductible, and an annual cap of $ 800 on how much registrants pay out of pocket before 100% of their medical bills are covered. In the Bronze plan, by comparison, the medical deductible for an individual is $ 6,300, with a reimbursable expense limit of $ 8,200 and a separate drug deductible of $ 500.

California Covered and all insurance agents worth its salt are encouraging people with Bronze plans that meet the zero premium income criteria to make this switch.

“I call it the obvious plan,” says Edsel D’souza, partner of the Citrust Insurance Agency in Culver City. “When people hear about it, they can’t believe it’s that good. “

But not all Covered California registrants have such a happy surprise ahead. Under a provision of the US bailout, about 120,000 enrollees got the money-94 plan for $ 1 a month this year if they received unemployment benefits even for a week in 2021. Many – and possibly – be all – of those registrants will lose this reduction in 2022 and face sticker shock or bracing for a return to a lower level of coverage.

“I have people who were in the bronze, who got unemployment aid, and we replaced them with 94 money, so now they’re running around doing all kinds of tests and procedures before the end of the day. ‘year,’ says Kevin Knauss. , an insurance agent in Granite Bay.

D’souza says he helped a family of four one of whose parents received unemployment benefits during part of 2021, allowing them to switch to a covered California plan that cost $ 344 per month. But they won’t receive any grants in 2022, says D’souza, and the monthly premium will almost quadruple, to $ 1,269.

According to D’souza’s calculations, a 40-year-old single person who lives in West Los Angeles has an income of $ 40,000 and pays $ 1 per month in 2021 for a Money-94 plan after being unemployed during part of the year. would see the monthly premium drop to almost $ 200 in 2022 – for a much less generous money plan.

Shopping and getting coverage with Covered California can be tricky, and it isn’t hard to run into issues.

Knauss notes, for example, that Covered California looks at your earnings in the month you apply. If you apply in December and have no income this month, you could be pushed into Medi-Cal, the government-run insurance program for low-income people, even if your annual income is is above the eligibility threshold. It can be long and frustrating to get back to California covered.

To avoid some of these pitfalls, find an insurance agent in your area who will explain all of the options to you. The agents won’t charge you a dime.

You can find one on the Covered California website (www.coveredca.com). You can also fill out a form on the site to get a quick phone call from an insurance agent or other exchange approved recruiter. And you can get help with registration by calling Covered California at 800-300-1506.

A word of warning: Some websites emulate the Covered California site, but their goal is generally to generate leads for insurance agents.

Jonathan Edewards, D’souza business partner at Citrust, said one of his clients thought he was filling out an application with Covered California, then received 20 calls from insurance agents in an hour. “You should know that coveredca.com is the official website for Covered California,” Edewards says, “and everything else is suspect.”

This story was produced by KHN, which publishes California Healthline, an independent editorial service of the California Health Care Foundation.


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Lake County News, California – Lake County unemployment rate in November is lowest since pandemic began https://tinigard.info/lake-county-news-california-lake-county-unemployment-rate-in-november-is-lowest-since-pandemic-began/ Tue, 28 Dec 2021 11:08:46 +0000 https://tinigard.info/lake-county-news-california-lake-county-unemployment-rate-in-november-is-lowest-since-pandemic-began/ LAKE COUNTY, Calif .– Lake County’s unemployment rate improved in November, giving the county its lowest unemployment rate since before the pandemic began. The new report from the Department of Employment Development says Lake County recorded an unemployment rate of 5.8%, the lowest since February 2020, when it was also 5.8%. Lake County’s rate in […]]]>

LAKE COUNTY, Calif .– Lake County’s unemployment rate improved in November, giving the county its lowest unemployment rate since before the pandemic began.

The new report from the Department of Employment Development says Lake County recorded an unemployment rate of 5.8%, the lowest since February 2020, when it was also 5.8%.

Lake County’s rate in October was 6.2% and 7.4% in November 2020.

California’s overall unemployment rate fell from 7.3% in October to 6.9% in November. The state’s unemployment rate in November 2020 was 8.7%.

Nationally, the Bureau of Labor Statistics said unemployment fell to 4.2% in November, from 4.6% in October and 6.7% in November 2020.

Lake County’s labor force in November was 28,340, of which 1,650 were unemployed.

Its 5.8% unemployment rate ranked it No. 43 statewide.

The lowest unemployment rate was in Marin, at 2.9%, while the highest was in Imperial, at 15.5%.

Unemployment rates and ranks for neighboring Lake County were: Colusa, 10.3%, # 57; Glenn, 5.1%, # 29; Mendocino, 4.7%, # 25; Napa, 4.2%, # 14; Sonoma, 3.7%, # 7; and Yolo, 4.3%, No. 16.

The state’s jobless claims dashboard showed that residents of Lake County filed 474 jobless claims in November, up from 718 in October; It should be noted that there were five weeks reported for October, compared to four in November.

Employment situation improves across California

The number of Californians employed in November was 17,719,400, an increase of 79,900 people from the total of 17,639,500 in October and 735,500 from the total employment in November of last year, according to the report.

The Employment Development Department said the number of unemployed Californians was 1,321,300 in November, down 61,900 for the month and 299,400 from November last year.

The report says California employers added 45,700 non-farm jobs to the economy, representing 22% of the 210,000 jobs gained in the country for the month of November.

The state has now recovered 1,889,000, or nearly 70%, of the 2,714,800 jobs lost in March and April 2020 due to the COVID-19 pandemic.

Salaried jobs in California totaled 16,385,100 in November 2021, up 45,700 from October 2021 and 821,800 from October last year, according to the report.

The report says that since February 2021, California has created a total of 977,200 non-farm jobs, averaging a gain of 97,720 jobs per month for that period.

In November, eight of California’s 11 industrial sectors created jobs led by professional and business services (+18,800) due to large gains in professional, scientific and technical services thanks, in part, to the increase scientific research and development services and computer systems. design and related services.

Education and health services (+9,500) also posted good month-over-month job gains on the strength of outpatient health care services and education services, according to the report.

A notable improvement was reported in the agricultural sector.

The report says the number of jobs in the agriculture industry increased by 17,000 between October 2021 and 433,500 in November. The agriculture industry has 19,800 more farm jobs in November 2021 than in November a year ago.

The employment development department said the large loss in construction (-1,700) was largely due to reductions in trade contractors.

In related data that the Department of Employment Development reported on the state’s unemployment rate, there were 434,676 people certifying UI benefits during the sample week of November 2021. This compares to 463,257 people in October and 1,278,220 people in November 2020.

At the same time, the agency said that 52,716 initial requests were processed in the sample week of November 2021, a decrease of 7,163 requests over one month from October and a decrease over one year of 116,272 requests per month. report to November 2020.

Email Elizabeth Larson at This e-mail address is protected from spam. You need JavaScript enabled to view it.. Follow her on Twitter, @ERLarson, or Lake County News, @LakeCoNews.


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How An Auto Insurance Company Should Not Act Castor H. Dennis | Chroniclers https://tinigard.info/how-an-auto-insurance-company-should-not-act-castor-h-dennis-chroniclers/ Fri, 24 Dec 2021 17:30:00 +0000 https://tinigard.info/how-an-auto-insurance-company-should-not-act-castor-h-dennis-chroniclers/ “In June 2021, you got a hysterical article about a parking lot accident at a Jack in the Box in St. Louis, Missouri that involved a cast of characters adapted to Saturday Night Live,” an email from “Eddie began. “, a retired insurance claims manager on the east coast. “It was about the owner of […]]]>

“In June 2021, you got a hysterical article about a parking lot accident at a Jack in the Box in St. Louis, Missouri that involved a cast of characters adapted to Saturday Night Live,” an email from “Eddie began. “, a retired insurance claims manager on the east coast.

“It was about the owner of a driving school who, without looking, backed up from a parking space and entered a car belonging to a 21-year-old university student. The driving school instructor admitted his fault, but my former employer jerked off this poor girl for months.

“Your story has provided a great education for consumers on how an insurance company shouldn’t act and has circulated widely among my former colleagues who are embarrassed by what happened.

“You indicated that the student was going to sue the driving school instructor in Small Claims Court for property damage and promised to keep us informed. What was the end result?

The company that pursues you!

To recap, college student Allison Ashbrook was offered $ 1,700 by the insurance company for the total of her car, which had a current value of almost $ 5,000. Claims adjuster Ahron Espino sent her a letter stating that she was 25% liable for “inattention and failure to take avoidance measures”, even though their insured admitted her fault.

Oddly enough, Espino referred to California insurance regulations, even though the accident happened 3,000 kilometers away in Missouri! This led to Allison finding my column and contacting me.

I left voice messages for the driving instructor, Patrick Gilfoy, urging him to bring in his lawyer and tell the insurer to settle the case so that he would not be prosecuted. Apparently this never happened.

In Small Claims Court

If I cause an accident, my insurance company is obligated to settle the claim – or at least try in good faith – so I don’t end up in court. Especially if I own a driving school, it is not too good for me to be sued for causing an accident, is it? Do you think the insurance company cared about Patrick’s reputation as a driving school owner and his instructor?

Allison filed a lawsuit in Small Claims Court with a complaint to the Missouri Department of Insurance. They contacted the insurer, and guess what? She receives a letter saying, “We have reconsidered and you are zero percent at fault!” “

Don’t confuse me with the facts, just dismiss your costume!

Even though the insurance company has admitted that its insured was 100% at fault, Allison receives a letter from Gilfoy’s attorney, Theodore G. Hughes – who works for a law firm that represents the insurance company. : “Patrick denies all the claims in the filing of the small claims, and would like to be fired.

“He also called, was condescending and didn’t offer to compensate me at all!” (At least he’s consistent, hanging up on me when I tried to discuss the case.) But in court, he admitted the accident wasn’t my fault and said I didn’t. should get that $ 2300 if I keep my car.

The Small Claims Court judge awarded him $ 4,300 plus court costs. But the insurance company refused to pay her! “Finally, I located their corporate responsibility manager in Missouri and sent them a copy of the judgment. I received their check a few days later.

Failed in his duty to Patrick

St. Louis lawyer Cassie Bulgaski, who handles bad faith insurance cases, was happy that Allison was finally paid and has comments on this case that anyone with auto insurance must know.

“The lawyer (of the company) was hired to represent the best interests of his client, the insured, and not the best interests of (the company), and this is something that should upset Patrick.

“His client’s best interest would have been to pay the young woman so that there would be no possibility of judgment against him. Although (the company) paid the claim, it will still appear on a credit report and a Missouri Case.Net search that it had a judgment against him and could potentially cause trouble for his business, future customers, etc.

“Shame on (the company) for allowing it to go this far. Shame on them for letting in weak judgment when everything could have been avoided. They paid a lawyer to appear, they should have made better use of the funds spent on the lawyer and just paid the claim. On the contrary, they were more interested in being contentious.

What my reader learned from this experience

I asked Allison, “What did you learn from all of this? “

“Insurance companies don’t care about the audience, no matter what their TV ads are. I learned how to put my case together and put it on. By disseminating your column, newspapers offer invaluable value to their readers with such useful information! Thank you, Mr. Beaver.

Thanks Allison for contacting me.


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Lock in extended benefits with your renewal https://tinigard.info/lock-in-extended-benefits-with-your-renewal/ Wed, 22 Dec 2021 16:52:52 +0000 https://tinigard.info/lock-in-extended-benefits-with-your-renewal/ Have you renewed your membership for 2022? Whether you are new to CDA or a long-time member, you may not have explored all the resources available to you. With your renewal, gain continued access to benefits that can help you get organized, save time and money, stay ahead of compliance and increase productivity, and stay […]]]>

Have you renewed your membership for 2022? Whether you are new to CDA or a long-time member, you may not have explored all the resources available to you. With your renewal, gain continued access to benefits that can help you get organized, save time and money, stay ahead of compliance and increase productivity, and stay connected to the latest issues and information.

Listening to the voices of its members, CDA continues to evolve its programs, tools and guidance in all the areas of practice that matter most.

Support for the practice of dentistry today

To help members better navigate the business side of their profession, Practice Support provides dedicated expertise in practice management, dental insurance plans, regulatory compliance and employment practices.

Individual guidance

Connect with specialist analysts by phone or email.

A comprehensive library of resources

Discover easy-to-implement tools that would be expensive or time consuming to research and build yourself. Only a few include:

  • Informed consent forms in multiple languages
  • Letters, templates and checklists to save time
  • Comprehensive guides and videos focused on dentistry
  • A personalized employee manual generator
  • A submission process for dental plan issues
  • Compliance schedule and postings required

Additional support and savings

Harness the purchasing power for the business services you need with CDA’s large membership base. Access expertise and special offers from approved vendors.

  • Ensure Electronic Prescribing Mandate Compliance with Henry Schein One ePrescribe and iCoreRx from iCoreConnect
  • Generate more revenue with CareCredit patient funding, eAssist claims processing or Cosentus revenue cycle management
  • Control your spending with the ADA Visa® credit card program, Bank of America Practice Solutions or the Staples Business Advantage program
  • Streamline operations with HR for Health and WEO Media marketing services

As another great benefit of membership, access consistent and competitive prices on dental supplies and equipment from a business founded by and partially owned by CDA. Buy online at TDSC.com, powered by Henry Schein.

Continuous training in the formats you love

In addition to CDA showcasing the art and science of dentistry, the nation’s most anticipated dental conferences, members benefit from expanded training options throughout the year through a variety of formats on hot topics.

In-person conventions

  • CDA Presents registration fees waived in Anaheim and San Francisco
  • Connection to world-class speakers, exciting lectures and hands-on workshops
  • Offers reserved for attendees of major exhibitors, as well as new networking opportunities

On-demand learning

  • Waived fees and significant discounts on the full catalog of e-learning courses
  • Clinical information, new research, and easy ways to get PE through the CDA Journal

Live learning events

  • Free access to special live virtual events throughout the year

Protection from an insurer focused on dentists

In California, The Dentists Insurance Company offers a full range of professional insurance options only to CDA members, as well as attentive experts exclusively focused on dentistry.

Exceptional coverage at a fair price

  • Professional liability
  • Commercial property
  • Workers compensation
  • Responsibility for employment practices
  • Responsibility for cyber-suite
  • Generous discounts for new dentists

Extensive coverage options

Thanks to TDIC Insurance Solutions, access to more protection:

  • Individual and family health and in small groups
  • Disability
  • General business expenses
  • Life, AD&D and more

Step-by-step guidance

  • Annual insurance reviews to ensure the right coverage at every step
  • A free risk management advice line for members, whether or not they are TDIC policyholders
  • Additional savings and CE by attending a seminar on risk management

Tools to staff your firm and fuel your career

The CDA Career Center is a platform that connects brilliant dental professionals with relevant opportunities and helps CEOs build their teams. Members also benefit from greater support in their roles as employers through practice support, TDIC coverage, continuing education and skill building courses, and advocacy of dental practices as small essential businesses.

  • Significant discounts on your Career Center assignments
  • Models, tools and expertise to boost your research
  • CDA-led recruiting initiatives to build pools of staff
  • CDA Resources and Courses to Become a Leader

Of course, these advantages all rely on the strength of the large number of organized members of dentistry. Navigate dentistry more easily today with the expertise, resources and support of your connected dental community.

Be an active member of your dental community and renew today. Visit cda.org/renew to pay your membership fee in minutes. Discover your benefits online anytime or call 800.232.7645 to find out more.


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Medical boards under pressure to discipline doctors pushing false claims of Covid-19 https://tinigard.info/medical-boards-under-pressure-to-discipline-doctors-pushing-false-claims-of-covid-19/ Tue, 21 Dec 2021 06:03:47 +0000 https://tinigard.info/medical-boards-under-pressure-to-discipline-doctors-pushing-false-claims-of-covid-19/ They decried COVID-19 as a hoax, promoted unproven treatments, and made false claims about the vaccine, including that the shots magnetize the human body. The purveyors of this disinformation are not obscure figures operating in the dark corners of the Internet. This is a small, vocal group of physicians practicing medicine in communities across the […]]]>

They decried COVID-19 as a hoax, promoted unproven treatments, and made false claims about the vaccine, including that the shots magnetize the human body.

The purveyors of this disinformation are not obscure figures operating in the dark corners of the Internet. This is a small, vocal group of physicians practicing medicine in communities across the country.

Today, the medical boards are more and more in a hurry to act. Public health organizations have called on them to take a tougher line in disciplining doctors, including potentially revoking their licenses. The surge comes as the pandemic enters a second winter and deaths in the United States exceed 800,000.

At least a dozen regulators in states such as Oregon, Rhode Island, Maine and Texas have recently issued sanctions against some doctors, but many of the more prolific proponents of COVID-19 lies have always spotless medical licenses.

Precruiting doctors is no easy task for boards that were created long before social media. Their investigations tend to proceed slowly, taking months or even years, and many of their proceedings are private.

“Just because they’re doctors, it’s no different than if someone called you up pretending to be the IRS trying to steal your money,” said Brian Castrucci, President and CEO of the Foundation. Beaumont. “It’s a scam, and we protect Americans from scams.”

Castrucci’s public health organization and No License For Disinformation, which fights against fake medical information, released a report last week highlighting some of the cases. The report was released a week after the Federation of State Medical Boards released an investigation that found 67% of commissions saw an increase in complaints about misinformation about COVID-19.

This figure “is a sign of the magnitude of the problem,” said Dr Humayun Chaudhry, president and CEO of the federation.

Dr Kencee Graves, a doctor at the University of Utah Hospital in Salt Lake City, said one of his patients decided not to get the vaccine after hearing misinformation from a doctor.

“She was led astray” by someone she should have trusted, said Graves, describing the patient as a “very, very gentle elderly woman.”

The woman then admitted her mistake, stating, “I realize now that I am wrong, but this is what I thought I should listen to. “

There is broad support for cracking down on these doctors, according to a national survey conducted by the Beaumont Foundation. In the survey of 2,200 adults, 91% of those polled said that doctors were not allowed to intentionally disseminate false information.

But policing doctors is no easy task for the tips that were created long before social media. Their investigations tend to proceed slowly, taking months or even years, and many of their proceedings are private.

Castrucci has said it is time for them to “move on” but it is difficult. This month, the Tennessee Medical Licensing Board removed a recently passed disinformation policy from its website under pressure from a GOP state legislator and a new law imposing sprawling restrictions. related to viruses.

Even individual board members have been targeted. In California, state medical board chair Kristina Lawson said a group of anti-vaccine activists harassed her at her home and followed her to her office last week. She said the people identified themselves as representing America’s primary care physicians, a group that criticizes the COVID-19 vaccine and spreads misinformation.

Group leader Dr Simone Gold, who was arrested in the Jan. 6 uprising on the United States Capitol, tweeted this month to her nearly 390,000 subscribers that “Nurses know patients of Covid die from government funded hospital protocols (Remdesivir, intubation), NOT from Covid.

Gold remains a licensed physician in California, although his certification in emergency medicine expired last year. Complaints and investigations are not public in the state, so it is not clear if she is facing them.

In Idaho, the state medical association was so frustrated with pathologist Dr. Ryan Cole’s promotion of ivermectin, an antiparasitic drug, that it filed a complaint with the state medical board. Susie Keller, chief executive of the association, said she believed it was the first time the group had sought to file a lawsuit against one of their own. Many doctors, she explained, are fed up.

The widespread lies have “actually verbally abused our doctors and nurses” from patients who believe the false information is true, Keller said.

Cole did not respond to a request for comment from The Associated Press, but his professional voicemail said he was “unable to prescribe drugs or issue vaccines or mask exemption letters.” Voicemail also directed callers to the website of the Front Line COVID-19 Critical Care Alliance, a group that advocates for ivermectin.

Under Idaho law, all inquiries into doctors are conducted in private, unless there is a formal hearing. The Washington State Medical Council, meanwhile, is investigating five complaints about Cole, spokeswoman Stephanie Mason said.

America’s Frontline Doctors is a group that criticizes the COVID-19 vaccine and spreads misinformation. It has 390,000 subscribers.

Investigating disinformation is “very difficult as many actions go undocumented,” she wrote in an email. Many examples “take place quietly in an office”.

In Ohio, the state medical board automatically renewed Sherri Tenpenny’s license in September after the Cleveland-based osteopathic doctor testified before a state House health committee this summer that vaccines COVID-19 cause magnetism.

The vaccinated “can put a wrench to their forehead; it sticks, ”Tenpenny said.

Jerica Stewart, spokesperson for the state medical council, said a recent license renewal does not prevent the council from taking action.

“Making a false, fraudulent, deceptive or deceptive statement” is grounds for discipline, said Stewart.

In Texas, Dr. Stella Immanuel appeared in a video promoting the antimalarial drug hydroxychloroquine. “You don’t need masks. There is a cure.

In October, the Texas Medical Board ordered her to pay $ 500 and improve her consent procedures, as it discovered that she had prescribed hydroxychloroquine to a COVID-19 patient without a proper explanation of the potential consequences for the patient. health, according to records.

Emmanuel did not respond to a Facebook message from the AP, and the medical office where she works did not respond to an email.

Dr Nick Sawyer, who heads No License For Disinformation, described the action against Emmanuel as a “pat on the wrist” and accused the country’s medical boards of “not doing their job of protecting public health” .

He said he saw the damage with his own eyes while practicing emergency medicine in Sacramento, California. He said a 70-year-old diabetic patient this month insisted she did not have COVID-19 despite testing positive, then asked for ivermectin and withdrew against advice medical when the drug has been refused.

“She said, ‘If I have COVID, you gave it to me,'” he recalls, attributing the woman’s resistance to doctors spreading misinformation. “It is killing us.”

Copyright 2021 Associated Press. All rights reserved. This material may not be published, broadcast, rewritten or redistributed.

Subjects
COVID-19 Claims


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Former California insurance broker accused of stealing premiums, leaving clients uninsured https://tinigard.info/former-california-insurance-broker-accused-of-stealing-premiums-leaving-clients-uninsured/ Sun, 19 Dec 2021 13:05:56 +0000 https://tinigard.info/former-california-insurance-broker-accused-of-stealing-premiums-leaving-clients-uninsured/ A former Yorba Linda insurance broker was arrested and charged with 81 counts of felony after investigators said he collected premiums from clients but failed to provide coverage and tampered with their insurance documents, California Department of Insurance officials said. Juan Carlos Martinez, 56, a former insurance broker whose license expired in 2016 for non-renewal, […]]]>

A former Yorba Linda insurance broker was arrested and charged with 81 counts of felony after investigators said he collected premiums from clients but failed to provide coverage and tampered with their insurance documents, California Department of Insurance officials said.

Juan Carlos Martinez, 56, a former insurance broker whose license expired in 2016 for non-renewal, operated Leeds Insurance Services Inc., based in Orange. He has been accused of embezzling more than $ 27,000 from his clients, according to a press release from the agency this week.

Martinez is also accused of diverting the funds to a personal investment account, which he allegedly used to withdraw money.

He was charged with 12 counts of robbery, 34 counts of counterfeiting, 34 counts of insurance fraud and one count of money laundering. Prosecutors allege his misconduct dates back to 2011, court records show.

It was not immediately clear how many casualties there were or how long Martinez had been operating his business.

Martinez was arrested by the Buena Park Police Department and held in Orange County Jail, but released on bail. His appearance is scheduled for March.


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