Health Insurance In California: Will Healthcare Reform Affect You?

It’s estimated that 4 million Californians will get access to healthcare with the changes initiated by the Patient Protection & Affordable Care Act. You can use your annual income to see whether you’ll be qualified for assistance. If you make between $14,403 and $41,000 a year, or your combined annual family income is under $73,240, you will be eligible to get Health Insurance Plans in California through the exchange and you can use subsidies to make it more affordable. If you don’t have children and your annual income is below $14,403, or you are a parent and your annual income for a family of three is under $24,360, you will be eligible for Medi-Cal. Healthcare reform expands this public program to increase financial assistance to people with incomes in the low to middle range What Does Healthcare Reform Do For Children?Healthcare reform will extend coverage to more children by increasing help to families, but it also allows parents to cover their children under their California health insurance for several more years. As of September 2010, children can be protected by their parent’s coverage until they become 26.In addition, healthcare reform specifically ends exclusions on pre-existing health problems. If you are one of the millions of children with a problem like asthma who have been barred from medical care for years, you’ll have access to much-needed care. Does Healthcare Reform Affect Seniors?If you are at least 65, you will continue to get Medicare, and healthcare reform extends the viability of Medicare. For seniors in the infamous Medicare “doughnut hole,” which means Medicare does not pay for your prescriptions, healthcare reform cuts your out-of-pocket costs for prescription drugs with a $250 rebate check in 2010. Ultimately, reform is designed to completely remove the Medicare gap in coverage for prescriptions by 2020. In September 2010, healthcare reform ends the charging for recommended preventive services so seniors can receive an annual wellness check-up for free. This can help catch health problems early when they are most treatable and reversible, and give seniors peace of mind.What Does Healthcare Reform Mean To Legal U.S. Residents?If you have been a legal, permanent U.S. residents for less than five years, you will be able to buy insurance through the exchange in 2014 and take advantage of subsidies to make it more affordable. If you have been a legal, permanent resident for more than five years, you may be eligible for Medi-Cal in 2014. Undocumented immigrants will not be able to participate in the exchange or Medi-Cal, but healthcare reform does not block them from receiving care at health centers, hospitals or local community clinics when they need emergency medical help. When Will You Be Able To Get California Health Insurance?Whether you need family or individual coverage, the exchange is mandated to be available in 2014. California may expand the Medi-Cal program (Medicaid) before 2014. If it expands Medi-Cal to all residents with an annual income below $14,403 (that’s 133 percent of the federal poverty level) before 2014, the federal government may help California cover the cost. When Will You Need To Have Health Insurance In California?If you are a U.S. citizens or a legal resident (with a few exceptions), you will need minimal essential coverage for yourself and your dependents in 2014. You can be covered through employers, individual plans, the exchange or Medi-Cal. American Indians, people who prove financial hardship or religious objections, those in prison and undocumented immigrants do not have to purchase health insurance. All others will have to pay a tax penalty of $95 in 2014 if you decide not get health insurance. If you are still not covered with a health plan in 2016, that penalty will have grown to $695. It’s estimated that 8.2 million are now without coverage in California. Healthcare reform is expected to extend coverage to an estimated 4 million. What about the other 4.2 million people? They are believed to be mostly undocumented immigrants who will not participate in the extended coverage.

Top 5 Japan Travel Tips

The top 5 Japan travel tips and advise are shown in the below content. Even though it seems very simple but somehow people might forget about it. So hope this serve a small reminder to you.1. Time Difference
Japan time zone as if set to GMT it is +9 hours. So it is 1 hour faster than most of the Asia countries.2. Language
Japanese is still the main language that widely use in Japan public, private and government body. A lot of younger generation people do speak English but they are speaking in Japanese mixing English term with very strong Japanese pronunciation flavor, so it is very strange or sounds funny when you first time hearing this. No worries, helpers or workers in tourist spots, hotels and restaurant are all well trained with English speaking skill and fluency. If worst come to worst, you still can use your pen and paper to draw some pictures or direction on map that wish to go.3. Power Source & Plug
Japan is using 100 volt, with two straight thin flat pin, it is different from some of the Asia country and different to Europe countries too. Digital appliances should be supporting 100 volt – 240 volt, just to make sure, you need to counter check your digital travel gear. Also you need to equip with universal power plug just in case.4. Tap Water
All the while Japan tap water is drinkable, just recent years of heavy pollution, some places tap water is no longer drinkable, so before you drinking any tap water either from hotel or public places, need to make sure is there a any sign saying it is directly drinkable or not.5. Weather
Japan has four season, each of the season really vary a lot in term of temperature and rain level. It will impact a lot if you did not pay much attention on this and bluntly plan your trip. Spring season is from March to May, average temperature is 14.5 degree Celsius, normal rain level. Good to have umbrella bring along your trip. Summer season is from June to August, average temperature is 27.7 degree Celsius, most heavy rain fall during this season, must bring a long umbrella. Autumn season is from September to November, average temperature is 18.8 degree Celsius, not much rain at this season, but the temperature different a lot during day and night, need to prepare a jacket. Winter season is from December to February, average temperature is 7.6 degree Celsius, will have snow fall sometimes in January, so need to prepare winter clothing. However inside building or public transportation there will be heater, so advice is to wear a long sleeves clothing and pair with winter cloth jacket, so you can remove the jacket and more comfortable at indoor.

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