2016 Health Insurance Checklist

October 14, 2015

Open Enrollment & Your Key to ‘White Glove’ Service

calendar days

November 1st marks the first day individuals and families can review options & make health insurance selections for 2016.  While 2016 plan details and premiums have not yet been released (we expect to have this information by November 1st), here are four(4) important  “to-do’s” for you to prepare in advance:

  1. Stay informed: Sign up for L & A’s blog– this includes the most current news on insurance changes that may impact you.
  2. Look up your doctor– Provider networks are changing every year.  As more limited networks emerge, it’s important to always verify the available plans and networks in which the doctor participates.
  3. Look up or call your pharmacy to make sure they will continue to accept your insurance plan.
  4. See if you qualify for health insurance tax credits,based on your anticipated 2016 income.

For 2016, many health plans must be replaced by December 15th for a January 1st effective date.  It is important to schedule an appointment with us to review your options and guide you to the right plan for next year.

Next, check our availability for a personal appointment for 2016 Health Insurance Open Enrollment.  December 15 is the deadline but we encourage you NOT to wait.  The end of the Open Enrollment period is very busy so to ensure we are able to provide the individual attention you deserve, L&A Services is encouraging each of you to take this opportunity to schedule your appointment in advance.  Review the November calendar then call or email us directly at (602) 996-6010 or ben@lnaservices.com.


HealthNet Update for 2015

October 9, 2014

HealthNet Logo

HealthNet of Arizona, Inc. (HealthNet) is streamlining their Individual & Family Plan HMO portfolio for 2015 with fewer plans.

In 2014, Health Net offered more than one HealthNet CommunityCare HMO health plan in each of the metal tiers: Platinum, Gold, Silver, and Bronze.  We are expecting this to change for 2015.

Automatically, members who enrolled directly with Health Net (i.e., off the marketplace) will be moved to similar plans.  If you like the new plan, you don’t have to do anything to keep it.

However, your agent, L&A Services, Inc. is available to assist you in choosing a new plan for 2015 if you would like to explore your options.

Members who enrolled via the Marketplace are asked to go back to HealthCare.gov during Open Enrollment and actively choose the plan they want for 2015. Don’t forget you need your broker’s name (Benjamin Rosky) and National Producer Number (6747133) to ensure proper service.

Contacting the Marketplace is also necessary for members who qualify for tax credits to get the right amount for 2015.

Member Notifications

90-day plan closure notices to members mailed October 2, 2014.

NOTE:  Regulatory approval is still pending for 2015 plans. Once approved, plan information details will be communicated here.  Until then, Health Net does not have any plan information to release.