Medical care costs continue to rise, making health insurance coverage a top priority for individual and families. The current health insurance system is not only complex, but constantly changing as well.

As heath coverage costs rise, how do you cover yourself and your family at a reasonable rate - one that fits your budget and provides you with a reasonable amount of peace of mind?

There are essentially two types of health insurance plans: indemnity plans (fee-for services) or managed care plans. The differences include the choice of providers, out-of-pocket costs for covered services, and how bills are paid.

There is no one “best” plan for everyone. Some plans are better than others for you or your family’s health care needs, but no one plan will pay for all costs associated with your medical care.

Mark Rogerson will guide you through these choices, and determine what coverage and plan best fits your specific needs.

He is a specialist in helping maximize your heath coverage budget by showing you how to combine catastrophic loss protection (a financial need most people fear facing as a result of more complex and extended medical care coasts) along with tax advantage saving plans to cover the normal doctor visits, prescription medication, etc.

Mark can help you with a strategy and individualized plan to stretch you health coverage dollars and maximize your protection in the event you or your family face expensive medical costs that can run from several thousands of dollars to well beyond the hundred thousands of dollars range and beyond.

He works with all today’s major health providers like Blue Cross, Blue Shield of California, Health Net, Etna, Pacific Care and Kaiser, which enables him to customize a health care coverage plan matched to your unique needs. He will be happy to take all the time needed to answer your questions and concerns, and help you to find the best coverage possible for your needs and budget.

Contact: Mark Rogerson

California small business employers have several options in tailoring group health plans that are attractive to employees, yet still allow employers to manage costs. Small group health plans are designed to cover a employer groups of two people to fifty employees and are guaranteed issue - a factor that could be of extreme importance to some employees. General eligibility criteria for small business group health plans include:

• Companies consisting of a minimum of two members ... full-time owners, officers, partners and/or W2 payroll employees.
• Companies that are a legitimate business entity, as evidenced by a Business License or Fictitious Name, Articles of Incorporation or Articles of Organization, LLC.:

Employers can provide a group plan that provides employees elect an individual plan of their own choosing. So even though they are part of a group, they are able to choose the type of coverage that best suits them individually.

Plan options may include one or more of the following:

• PPO - Preferred Provider Organization
• HMO - Health Maintenance Organization
• POS - Point of Service
• HSA - Health Savings Account
• HRA - Health Reimbursement Account

Both employers and employees can make their payment contributions with re-tax dollars deducted from the company payroll, thus providing an additional opportunity for significant, real dollar savings. The use of a HSA or HRA can provide even more tax savings when properly applied.

In addition to providing you with small group health plans, we can assist you with larger employer groups as well.

Ask Mark Rogerson to show you how to best match your California business with the best California group insurance plan for you and your employees or the best California self-employed health insurance plan for you alone.

Contact: Mark Rogerson

Are you between jobs, just out of school, or in your a new employee now in your employer’s health insurance coverage waiting period? We offer short-term health plans to fill your temporary needs, ranging from 30 days to 6 months. These short term policies may be just what you need to fill the gap between company employment changes that stop and then restart your health coverage. 

Short Term Health Plans are less expensive than COBRA coverage, making it an important alternative to be aware of should you ever find yourself in between health coverage plans for any reason.

Contact: Mark Rogerson

Thinking about Long Term Care Insurance? Are you unsure whether or not your need it, or have questions about its cost?

Because of old age, mental or physical illness, or a serious injury, people can find themselves suddenly in need of one of more of the following actions often taken for granted during times of good health:

• eating,
• bathing,
• dressing,
• toileting or continence, and/or
• transferring (e.g., getting out of a chair or out of bed).

These six actions are called Activities of Daily Living– sometimes referred to as ADLs. In general, if you can’t do two or more of these activities, or if you have a cognitive impairment, you are said to need “long-term care.”

Long-term care can be provided in a nursing home, an adult day care center, an assisted living facility or in your home - something many people are not aware of.

These are only a few of the factors to evaluate when considering if Long Term Care insurance makes sense for you.

Mark Rogerson will put you in touch with his colleague who is a specialist in Long Term Care Insurance. She will provide a “needs analysis” and guide you through this complicated coverage. This coverage is available to employer groups as well.

Contact: Mark Rogerson

People routinely insure their home, cars, health and life, but seldom consider insuring their income if they were to become disabled. We offer a wide range of Long Term Disability plans to fit the needs of almost every occupation and budget.

Disability insurance pays an insured person an income when that person is unable to work because of an accident or illness.

Short-Term Disability policies (STD) have a waiting period of 0 to 14 days with a maximum benefit period of no longer than two years. They can help you protect your short-term income in the event of an unexpected set back.

Long-term Disability policies (LTD) have a waiting period of several weeks to several months with a maximum benefit period ranging from a few years to the rest of your life. They can be structured to protect your long term income in the event of an unexpected catastrophe that leaves you permanently disabled.

Evaluate whether or not Short Term or Long Term Disability coverage makes sense for you. Ask an expert - contact Mark Rogerson.

Contact: Mark Rogerson