May 13, 2011 > Learn About Health Insurance Options at Washington Hospital Seminar
Learn About Health Insurance Options at Washington Hospital Seminar
Do you know or understand what health insurance options are out there for you? What type of health insurance is right for you and your family? If you would like to learn helpful information about health coverage that makes sense for you, put your worries to rest and attend Washington Hospital's upcoming seminar, "Health Insurance Options: What You Need to Know" on Tuesday, May 17 from 10 a.m. to Noon.
"Our goal is to provide seminar attendees as much information as possible about their health care coverage options," says Linda Dawal, Health Insurance Information Services Coordinator at Washington Hospital. "If you have lost your job, we can help you understand your options and provide information on COBRA and Cal-COBRA (Consolidated Omnibus Budget Reconciliation Act), insurance options for children, pre-existing insurance policies for those turned down by private insurance companies, Medicare and Medi-Cal."
According to Dawal, understanding your health insurance options can be half the battle. However, she says this seminar will help you gain the knowledge you need to choose the solutions that are right for you and your family.
"During the seminar, attendees can count on receiving unbiased information on a range of health insurance coverage options and health care services that are available in the community," adds Dawal. "We encourage attendees to ask questions that pertain to their specific situation so that we can help them get the right information and connect them to the appropriate resources."
During the seminar, speakers will discuss the following topics in more detail:
What Type of Health Insurance Is Best For You?
Not to sure what health insurance is right for you and your family? Our health care system comes with a great variety of health insurance options. The options span the spectrum from low cost, minimal coverage to all-inclusive policies. At the upcoming seminar, you will learn about HMO and PPO insurance plans, Medi-Cal and other government sponsored programs.
What is COBRA?
People who have been laid off and had employer-sponsored health insurance are usually eligible for up to 18 months of continued coverage under COBRA, the federal law more formally known as the Consolidated Omnibus Budget Reconciliation Act. COBRA requires continuation coverage to be offered to covered employees, their spouses, their former spouses, and their dependent children when group health coverage would otherwise be lost due to an employment lay off. Under COBRA, employers may require individuals who elect continuation coverage to pay the full cost of the coverage, plus a two percent administrative charge.
What is HIPAA?
HIPAA stands for the Health Insurance Portability and Accountability Act. It allows people to buy individual health insurance when they lose their group health insurance, even if they have a pre-existing health condition. If you qualify, all health plans that sell individual plans must offer you health insurance. You cannot be denied insurance because of your medical history. HIPPA adds protections and makes it easier to switch jobs without fear of losing health coverage for a preexisting condition.
Government Insurance Options
California offers health coverage to residents through the federally established temporary high-risk pool program. This state-sponsored program helps people who can afford to buy health insurance, but are not able to get underwritten in the private market because of pre-existing health conditions.
To find out more information about California's Pre-Existing Conditions Insurance Plan (PCIP) call 1-877-428-5060 or visit www.pcip.ca.gov .
Upcoming Health Insurance Coverage Seminars
Washington Hospital will host a series of free health insurance seminars throughout the year. All seminars are scheduled from 10 a.m. to Noon and will take place at the Conrad E. Anderson, M.D. Auditorium, Room B (Washington West), located at 2500 Mowry Ave., Fremont.
To register, call (800) 963-7070 or visit www.whhs.com. To learn more about the Washington Hospital Health Insurance Information Service, visit www.whhs.com/health-insurance.
The Health Insurance Coverage Seminars will take place on these dates:
* Tuesday, May 17 - Health Insurance Options: What You Need to Know
* Tuesday, September 15 - Health Insurance Options: What You Need to Know
* Monday, October 10 - Medicare Open Enrollment
* Thursday, October 13 - Medicare Part D Open Enrollment is Approaching Fast: Are You Ready
* Friday, October 14 - Medicare Part D Open Enrollment is Approaching Fast: Are You Ready
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