Acton Adelanto Adin Agoura Hills Agua Dulce Ahwahnee Alameda Alamo Albany Albion Alhambra Aliso Viejo Alpine Altadena Alturas Alum Rock Alviso Amador City Amboy American Canyon Anaheim Hills Anaheim Anderson Angels Camp Angelus Oaks Angwin Antioch Apple Hill Apple Valley Applegate Aptos Arcadia Arcata Armona Arnold Arrowbear Lake Arroyo Grande Artesia Arvin Atascadero Atherton Atwater Auburn Avalon Avenal Avery Avila Beach Azusa Badger Baker Bakersfield Baldwin Park Ballard Banning Barstow Bass Lake Bear Valley Beaumont Belden Bell Bell Gardens Bellflower Belmont Belmont Shore Belvedere Ben Lomond Benicia Berkeley Bermuda Dunes Bethel Island Beverly Hills Bieber Big Bar Big Bear Lake Big Pine Big Sur Biggs Bishop Blairsden Bloomington Blue Jay Blue Lake Blythe Bodega Bodega Bay Bolinas Bonita Bonny Doon Bonsall Bootjack Boron Borrego Springs Boulder Creek Boulevard Bradbury Brawley Brea Brentwood Brentwood, Los Angeles Bridgeport Brisbane Broadmoor Broderick Brookdale Brownsville Buck Meadows Buellton Buena Park Burbank Burlingame Burney Buttonwillow Cabazon Calabasas Calexico Caliente California City California Valley Calimesa Calipatria Calistoga Calpine Camarillo Cambria Cambrian Park Camino Campbell Campo Canby Canoga Park Canyon Country Canyon Lake Canyondam Capistrano Beach Capitola Cardiff-by-the-Sea Carlsbad Carmel Valley Village Carmel-by-the-Sea Carmichael Carnelian Bay Carpinteria Carson Casmalia Cassel Castaic Castro Valley Castroville Cathedral City Catheys Valley Cayucos Cazadero Cedarville Central Valley Ceres Cerritos Chatsworth Chester Chicago Park Chico Chinese Camp Chino Chino Hills Chowchilla Chula Vista Citrus Heights Claremont Clayton Clearlake Clearlake Oaks Clio Cloverdale Clovis Coachella Coalinga Coarsegold Cobb Coleville Colfax Colma Coloma Colton Columbia Colusa Commerce Compton Concord Cool Corcoran Corning Corona Corona del Mar Coronado Corte Madera Costa Mesa Cotati Coto de Caza Cottonwood Coulterville Covelo Covina Crescent City Crescent Mills Crestline Cromberg Crowley Lake Cudahy Culver City Cupertino Cuyama Cypress Daly City Dana Point Danville Dardanelle Davenport Davis Death Valley Del Mar Del Rey Oaks Delano Desert Hot Springs Diamond Bar Dinuba Dixon Dorris Dos Palos Douglas City Downey Downieville Doyle Drytown Duarte Dublin Duncans Mills Dunlap Dunnigan Dunsmuir Earp East Los Angeles East Palo Alto Eastvale El Cajon El Centro El Cerrito El Cerrito, San Diego El Dorado Hills El Granada El Monte El Portal El Segundo Elk Elk Grove Emeryville Emigrant Gap Encinitas Encino Escalon Escondido Etna Eureka Exeter Fair Oaks Fairfax Fairfield Fall River Mills Fallbrook Farmersville Fawnskin Felton Ferndale Fields Landing Fillmore Firebaugh Fish Camp Florence-Graham Folsom Fontana Foresta Foresthill Fort Bidwell Fort Bragg Fort Jones Fortuna Foster City Fountain Valley Fowler Frazier Park Freestone Fremont Fresno Fullerton Galt Garberville Garden Grove Garden Valley Gardena Gasquet Gazelle Georgetown Geyserville Gilroy Glassel Park Glendale Glendora Glenhaven Goleta Gonzales Gorman Graeagle Granada Hills Grand Terrace Grass Valley Green Leaf Greenfield Greenville Gridley Groveland Grover Beach Guadalupe Gualala Guerneville Gustine Hacienda Heights Halcyon Half Moon Bay Hanford Happy Camp Harbor City Hardwick Harmony Hat Creek Hawaiian Gardens Hawthorne Hayfork Hayward Healdsburg Helena Helendale Hemet Hercules Hermosa Beach Hesperia Hidden Hills Highland Highland Park Hillsborough Hollister Hollywood Holtville Home Garden Homeland Homewood Hoopa Hope Ranch Hope Valley Hopland Hornitos Horse Creek Hughson Humboldt Huntington Beach Huntington Park Huron Hydesville Idyllwild Imperial Imperial Beach Independence Indian Wells Indio Inglewood Inverness Inyokern Ione Irvine Irwindale Isla Vista Isleton Jackson Jacumba Jamestown Jenner Johannesburg Joshua Tree Julian Junction City June Lake Kelseyville Kentfield Kenwood Kerman Kernville Kettleman City Keyes King City Kings Beach Kings Canyon National Park Kingsburg Kirkwood Klamath Klamath River Kyburz La Cañada Flintridge La Crescenta La Habra La Habra Heights La Honda La Jolla La Mesa La Mirada La Palma La Puente La Quinta La Selva Beach La Verne Lafayette Laguna Beach Laguna Hills Laguna Niguel Laguna Woods Lake Almanor Lake Arrowhead Lake Elizabeth Lake Elsinore Lake Forest Lake Hughes Lake Isabella Lake Los Angeles Lakehead Lakeport Lakeshore Lakewood Lancaster Landers Larkspur Lathrop Lawndale Laytonville Lebec Lee Vining Leucadia Leggett Lemon Cove Lemon Grove Lemoore Lennox Leona Valley Lewiston Lincoln Linda Mar Lindsay Littleriver Littlerock Live Oak Livermore Livingston Llano Lodi Loma Linda Loma Mar Lomita Lompoc Lone Pine Long Barn Long Beach Loomis Los Alamitos Los Alamos Los Altos Los Altos Hills Los Angeles Los Banos Los Gatos Los Olivos Los Osos Lotus Loyalton Lucerne Lucerne Valley Ludlow Lynwood Madera Malibu Mammoth Lakes Manchester Manhattan Beach Manteca Maricopa Marina Marina del Rey Mariposa Markleeville Martinez Marysville Maywood McClellan AFB McCloud McFarland McKinleyville McKittrick Meadow Valley Meadow Vista Mendocino Mendota Menifee Menlo Park Merced Mi-Wuk Village Middletown Midpines Mill Creek Mill Valley Millbrae Milpitas Mineral Miramonte Miranda Mission Viejo Modesto Mojave Mokelumne Hill Monrovia Montague Montara Montclair Monte Rio Monte Sereno Montebello Montecito Monterey Monterey Park Moorpark Moraga Moreno Valley Morgan Hill Morro Bay Moss Beach Mount Shasta Mountain Mesa Mountain View Mt Baldy Murphys Murrieta Myers Flat Napa National City Natomas Needles Nevada City New Cuyama Newark Newbury Park Newhall Newman Newport Beach Nice Niland Nipomo Norco North Edwards North Fork North Highlands North Hollywood Northridge Norwalk Novato Oak View Oakdale Oakhurst Oakland Oakley Occidental Oceanside Ocotillo Ojai Olancha Old Station Olema Olivenhain Olympic Valley Ontario Orange Orange Cove Orangevale Orcutt Orick Orinda Orland Orleans Orosi Oroville Oxnard Pacific Grove Pacifica Pacoima Palm Desert Palm Springs Palmdale Palo Alto Palos Verdes Estates Panorama City Paradise Paramount Parker Dam Parlier Pasadena Paso Robles (el Paso de Robles) Patterson Pearblossom Pebble Beach Perris Pescadero Petaluma Petrolia Phelan Phillipsville Philo Pico Rivera Piedmont Piercy Pilot Hill Pine Grove Pine Valley Pinecrest Pinedale Pinole Pioneer Pioneertown Piru Pismo Beach Pittsburg Pixley Placentia Placerville Platina Playa del Rey Pleasant Hill Pleasanton Plymouth Point Arena Point Reyes Station Pollock Pines Pomona Port Costa Port Hueneme Porterville Portola Portola Valley Poway Princeton by the Sea Project City Quartz Hill Ramona Rancho Bernardo Rancho Cordova Rancho Cucamonga Rancho Mirage Rancho Palos Verdes Rancho Santa Fe Rancho Santa Margarita Randsburg Ravendale Red Bluff Redcrest Redding Redlands Redondo Beach Redway Redwood City Redwood Estates Redwood Shores Reedley Reseda Rialto Richmond Ridgecrest Rio Dell Rio Vista Ripon Riverbank Riverside Rocklin Rohnert Park Rolling Hills Rolling Hills Estates Rosamond Rosemead Roseville Ross Rough and Ready Round Mountain Rowland Heights Running Springs Rutherford Ryde Sacramento Salida Salinas San Andreas San Anselmo San Bernardino San Bruno San Carlos San Clemente San Diego San Dimas San Fernando San Francisco San Gabriel San Jacinto San Joaquin San Jose San Juan Bautista San Juan Capistrano San Leandro San Luis Obispo San Marcos San Marino San Martin San Mateo San Miguel San Pablo San Pedro San Rafael San Ramon San Simeon San Ysidro Sand City Sanger Santa Ana Santa Barbara Santa Clara Santa Clarita Santa Cruz Santa Fe Springs Santa Maria Santa Monica Santa Paula Santa Rosa Santa Ynez Santa Ysabel Santee Saratoga Saugus Sausalito Scotia Scotts Valley Seal Beach Seaside Sebastopol Selma Sepulveda Shafter Shasta Lake Shaver Lake Shell Beach Sherman Oaks Shoshone Sierra City Sierra Madre Sierraville Signal Hill Silverado Simi Valley Sky Londa Smith River Soda Springs Solana Beach Soledad Solvang Sonoma Sonora South El Monte South Gate South Laguna South Lake Tahoe South Pasadena South San Francisco South San Jose Hills South Whittier Springville Squaw Valley St. Helena Stanton tinson Beach Stirling City Stockton Stratford Strawberry Strawberry Valley Stronghold Studio City Sugarloaf Suisun City Sultana Summerland Sun City Sun Valley Sunland Sunnyvale Sunset Beach Susanville Sutter Creek Sylmar Taft Tahoe City Tahoe Vista Tahoma Tarzana Tecate Tecopa Tehachapi Tehama Temecula Temple City Templeton The Sea Ranch Thermal Thousand Oaks Thousand Palms Three Rivers Tiburon Tomales Torrance Trabuco Canyon Tracy Trinidad Trinity Center Trona Truckee Tujunga Tulare Tulelake Turlock Tustin Twain Twain Harte Twentynine Palms Twin Bridges Twin Peaks Two Harbors Ukiah Union City Upland Upper Lake Vacaville Valencia Vallejo Valley Center Valley Ford Valley Springs Valyermo Van Nuys Venice Ventura Vernon Victorville Villa Park Visalia Vista Volcano Wallows Walnut Walnut Creek Walnut Grove Warner Springs Wasco Washington Waterford Watsonville Wawona Weaverville Weed Weimar Weott West Covina West Hollywood West Sacramento Westlake Village Westminster Westmorland Westport Westwood Wheatland Whitethorn Whittier Williams Willits Willow Creek Willows Wilmington Windsor Winterhaven Winters Wofford Heights Woodlake Woodland Woodland Hills Woodside Wrightwood Yermo Yorba Linda Yosemite National Park Yountville Yreka Yuba City Yucaipa Yucca Valley Zamora Zenia
California Health Insurance Get The Help and Benefits You Deserve Today
David Fluker Insurance Services
Gilroy, California - Serving California Residents Since 1995
California License 0B58920
David J. Fluker, Licensed Life & Health Insurance Agent. California State License # 0B58920
Authorized Independent Agent Serving California Residents.
Web Site ©1999-2016 by David Fluker - David Fluker Insurance Services. All Rights Reserved.
Welcome to my web site. I am an independent insurance agent residing in Gilroy, California. My agency is a web-based agency which allows me to work with people all over California as opposed to only local communities.
I have been serving the insurance needs of California residents since 1995. As an independent agent, I work for myself and on your behalf, not for an insurance company. I am available to help you understand the insurance policies available, find the policy that makes the most sense for your situation, help you apply for coverage and provide service on your policy. You can always call me instead of an insurance company for questions, issues or changes in your life or coverage. There is no fee or cost to you for my services. Scroll down for Frequently Asked Questions.
Need Help? Have A Question?
This web site is owned and maintained by David Fluker Insurance Services, which is solely responsible for it's content. The site is not maintained by nor affiliated with Covered California, and Covered California bears no responsibility for it's content. The e-mail addresses and telephone numbers that appear throughout the site belong to David Fluker Insurance Services and cannot be used to contact Covered California.
As a Covered California Certified Insurance Agent, I can help you enroll on the exchange for health coverage that may include Premium Tax Credits, Cost Sharing Reductions, or both. I can help set up your account over the phone or from a completed paper application. As your appointed agent, I can monitor your Covered California enrollment and, at your request, report changes to the exchange on your behalf.
The instant online quoting service provides instant online quotes from multiple insurance companies for Individual & Family coverage on and off exchange as well as Medicare Supplements. All information entered for instant quotes is only seen by me and is never shared, sold or provided to any third party for any reason. I also have instant online quoting for small employer groups, short-term interim health coverage, international travel medical health coverage, dental & vision plans and term life insurance coverage.
I hope that you find my web site helpful, useful and able to meet your needs in terms of information. I look forward to hearing from you and helping you find the right health insurance coverage plan to meet your needs.
Thank you for visiting and let me know if you have any comments or suggestions on how to improve my site.
FREQUENTLY ASKED QUESTIONS
I MISSED THE OPEN ENROLLMENT PERIOD. WILL I HAVE TO WAIT UNTIL NEXT YEAR TO BUY HEALTH INSURANCE?
Possibly, however there are a variety of circumstances and qualifying life events that could allow you to purchase coverage through Covered California outside of the open enrollment period. Contact me and we can investigate any options which might be available in your case.
WHAT HAPPENS IF I DON'T HAVE AN OBAMACARE COMPLIANT PLAN OR ANY HEALTH PLAN THIS YEAR?
Failure to maintain compliant health coverage (coverage that meets the essential benefits rules) for 90 or more days during the year may result in a tax penalty by the IRS. For 2016, that penalty will be 2.5% income for each adult on the return who did not maintain compliant coverage, and 1.25% for each child who did not maintain compliant coverage. Affordable coverage rules may also come into play if the lowest cost Bronze plan available is more than 8.13% of individual/family MAGI income (including any subsidy) and may relieve any potential tax penalty.
WHEN IS THE NEXT ANNUAL OPEN ENROLLMENT PERIOD?
For 2017 enrollments, the annual Open Enrollment Period (OEP) will be from November 1, 2016 to January 31, 2017. Plan start dates will be January 1, 2017 and after depending on enrollment date.
WHAT KINDS OF HEALTH COVERAGE ARE COMPLIANT UNDER THE AFFORDABLE CARE ACT?
The following are considered compliant health coverage under the ACA:
* Individual/Family Health Insurance that is purchased on or off of Covered California in tiers Bronze, Silver, Gold or Platinum
* Individual/Family Grandfathered Health Insurance plans purchased prior to March of 2010
* Student Health Plans
* Employer-Sponsored Group Health Plans
* Medi-Cal (California Medicaid)
CAN I PURCHASE A CATASTROPHIC LEVEL HEALTH PLAN?
Catastrophic level plans are sometimes attractive as they normally have a very low premium. However, they are only available to those under 30 years of age and anyone over 30 who has obtained a valid waiver from HHS (Health and Human Services) due to affordability rules.
THE INCOME CHART SHOWS I SHOULD RECEIVE AN PREMIUM TAX CREDIT SUBSIDY FOR MY COVERED CALIFORNIA HEALTH PLAN. BUT THE ENROLLMENT RESULTS SHOW I DON'T GET A SUBSIDY. WHY?
The income chart provided by Covered California is a general guideline. Each situation is different. While the chart may show that your income should qualify for APTC, the enrollment system calculates your income against the SLCSP (Second Lowest Cost Silver Plan) available in your rating area. This is known as the "benchmark" plan. If the cost of the Benchmark Plan is very low, then it will effect your eligibility for APTC subsidy. .
HOW MANY DAYS GRACE PERIOD DO I HAVE TO PAY MY OBAMACARE PREMIUMS? I'VE HEARD 30 AND 90 DAYS.
If you purchased your plan on-exchange (Covered California) and receive a subsidy, you have 90 days grace period. All other circumstances you have a 30 days grace period. All plans purchased off-exchange (private market) have 30 days grace period.
ARE THE HEALTH PLANS SOLD OFF-EXCHANGE IN THE PRIVATE MARKET DIFFERENT OR BETTER THAN THE PLANS SOLD ON COVERED CALIFORNIA?
In California generally the carriers selling plans on Covered California are simply duplicating those plans off-exchange in the private market as required by the law. All must meet the same compliance standard and metal tiers (Bronze, Silver, Gold, Platinum) and must cover the essential benefits mandated in the affordable care act. Some carriers will add a few "extra" plans in the private market they do not sell on Covered California. Generally these are Bronze or Silver level plans. Also, occasionally an insurance company may opt out of Covered California and only sell plans off-exchange in the private market. These plans still must meet compliance standards.
DOES MY DOCTOR HAVE TO ACCEPT MY COVERED CALIFORNIA HEALTH INSURANCE?
No. Medical providers are free to accept or deny any health insurance plan depending on their contracts with the insurance companies. It is important to verify that your provider is in the network of the health plan you are considering if you wish to continue to see your doctor.
WHAT HAPPENS IF I GET MORE PREMIUM SUBSIDY THAN I SHOULD HAVE?
Depending on your final annual income, you may be required to pay back some or all of the subsidy on your taxes. This is why Covered California requires you to report any changes of income +/- 10% within 30 days. That way they can adjust your subsidy during the plan year to help avoid this issue.
IF I HAVE AN EVENT THAT QUALIFIES FOR SPECIAL ENROLLMENT PERIOD (SEP) LIKE LOSS OF EMPLOYER COVERAGE, HOW LONG DO I HAVE TO ENROLL IN COVERED CALIFORNIA?
You have 60 days from the date of the qualifying event.
WHAT IS A COST-SHARING SUBSIDY? IS IT DIFFERENT FROM THE TAX CREDIT SUBSIDY?
A cost sharing subsidy is a different type of subsidy available to those who qualify. Generally incomes between 139%-213% of Federal Poverty Level (FPL) may qualify for both the tax credit subsidy and cost sharing subsidy. The tax credit (when advanced) helps pay premium costs. The cost sharing subsidy reduces the amounts of things like deductibles, co-pays and out of pocket annual expenses.
David Fluker Insurance Services
767 Maria Way
Gilroy, California 95020
2017 OBAMACARE OPEN ENROLLMENT BEGINS ON NOVEMBER 1st
Immigration Status and Eligibility: What You Need to Know
Who is Eligible for Covered California?
All U.S. citizens, U.S. nationals and noncitizens lawfully present in California may apply for health care through Covered California.
Who is Not Eligible for Covered California?
If you are not lawfully present in California, you are not eligible for a Covered California plan. However, you can still apply through Covered California to find out if you are eligible for Medi-Cal or to find coverage for family members who are lawfully present. For example,
if your child is a U.S. citizen, you can apply on his or her behalf. You only need to provide information on immigrant status for family members applying for coverage
What if I am from a Mixed Immigration Status Family?
If your family includes some noncitizens that are not lawfully present, you can still apply for health care through Covered California.
When applying, remember that family members who are not lawfully present are not eligible for Covered California health plans, but may be eligible for Medi-Cal.
Your Immigration Status Will Be Kept Confidential
All immigration information provided to Covered California will be kept private and secure. It will not be shared with or used by any immigration agency to enforce immigration laws.
Signing Up for Covered California Will Not Affect Your Immigrant Status
In general, receiving help to pay for a Covered California health plan or receiving coverage through Medi-Cal will not affect immigration status or the chances of becoming a citizen or lawful permanent resident of the U.S.
Note: Rules for not lawfully present individuals & families may be changing in California under SB 10. I will post updates here and on my Facebook page so be sure to follow me on Facebook. Currently Valley Health Plan in Santa Clara County allows off-exchange enrollments with no citizenship or lawfully present status requirements.