On October 15, the open enrollment period for health insurance began—for both individuals under 65 years of age and individuals 65 years and over.  As an insurance agency, KCAL has received many questions about how to apply for health insurance, the cost of renewals, various plans and benefits, and more. Examples of some frequently asked questions included the following:

  • I’m a new immigrant waiting for my citizenship status to be approved, and I currently have no SSN. How can I buy health insurance?
  • What is open enrollment period? Why do I need to apply for health insurance before December 15?
  • Which insurance company has the lowest premiums this year? Which one is recommended? Should I choose HMO or PPO?
  • If I’m pregnant or just had a newborn baby, what kind of insurance should I buy?
  • Does having Medi-Cal affect my immigration/citizenship status? If I don’t want Medi-Cal anymore, can I cancel my Medi-Cal coverage? What are my options?
  • How can I apply for subsidies from Covered California?
  • Do I save more money by being insured under company-provided health insurance or by purchasing my own health insurance?
  • My parents are over 65 and just immigrated to the United States. If they don’t file taxes or haven’t worked in the U.S. for at least 10 years, how can they apply for Medicare?
  • What happens if my doctor doesn’t accept my insurance? What can I do if my insurance policy doesn’t cover the medication I need?

To help individuals better understand 2019 health insurance and to help them obtain better benefits as well as save on premiums, KCAL Insurance Agency is hosting health insurance seminars every Saturday at every KCAL branch.

**Seats are limited so make sure to register 48 hours prior to the seminar date.

To help you and your family obtain the most suitable health plan, talk to a professional health insurance agent as soon as possible! If you would like to apply in person, it is recommended to bring the following documents to our seminar, including your ID card/green card, SSN, 2017 tax forms, proof of income, current insurance policy information, and the Covered CA renewal notice. Individuals 65 years and over can also bring their list of medications. If you have any other insurance related questions, please feel free to contact 626-333-1111.

KCAL’s 2019 Year of the Pig Calendar has arrived! Stop by any KCAL branch to grab yours today!