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Call me to check if you qualify for subsidized health plans, please call me 818-987-5000

Health Plans for State of California

Please mail the application to address below

Oleg Skurskiy

18375 Ventura Blvd. # 226
Tarzana , CA 91356

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Health Care Reform

Question: What is a Health Insurance Marketplace?

Answer: It's a set of websites that are all set up the same way and that the government regulates. People can buy health insurance from the marketplaces with government aid called subsidies. All Health Insurance Marketplaces must be fully certified and running by January 1, 2014, by federal law. Also known as an "Exchange."


Q: Do I have to buy from a Health Insurance Marketplace?
A: You can choose to buy insurance from an insurer like us or from a state or federal Health Insurance Marketplace. If you are eligible to get a subsidy and want to use one, you must buy your plan from a Health Insurance Marketplace.
Q: What are my Health Care Reform plan choices in 2014?
A: Under the new health care law, all new plans and those that aren't grandfathered (see definition below) fit in one of four levels: bronze, silver, gold, or platinum. These levels make it easier to compare costs and benefits so you can choose the right plan for your needs.
  • Plan Relative Premium Cost (how high your cost will be compared to the other plans) Your Share of Health Care Costs
  • Bronze Lowest 40%
  • Silver Average 30%
  • Gold Higher 20%
  • Platinum Highest 10%
Q: What is a grandfathered plan?
A: A health insurance plan that was bought or changed before March 23, 2010. These plans do not have to follow the new health care law. That includes, but is not limited to, benefits for preventive care at no cost and no lifetime benefit limit. You cannot add new people to a grandfathered plan. If you leave a grandfathered plan for any reason, you cannot go back to it.
Q: What is the Federal Premium Assistance Tax Credit?
A: Starting in 2014, eligible people can use a Federal Premium Assistance Tax Credit to help them pay the cost of insurance bought through a Health Insurance Marketplace. To be eligible, a person's household income must be between 100 percent and 400 percent of the federal poverty level, and the person must either:
  • Not be offered minimum essential coverage (what a person needs to have to meet the individual responsibility requirement) by an employer, or
  • Be offered minimum essential coverage by an employer, but (i) the cost of the employer's coverage is more than 9.5 percent of the employee's household income, or (ii) the employer pays less than 60 percent of the plan's total allowed costs of benefits.

General Health Insurance

Q: Do I have to meet my deductible (the amount you must pay for health care services) before my benefits start?
A: It depends on the type of plan you choose. Preventive care benefits start as soon as you enroll. Some plans also cover a specific number of office visits before the deductible is met, so you only pay a copay.
Q: What is preventive care?
A: It's the care that helps you stay healthy. You get it in every bronze, silver, gold and platinum plan - as well as many grandfathered plans - at no extra cost. It includes:
  • Yearly checkups
  • Flu shots
  • Routine shots (vaccinations)
  • Mammograms
  • Screenings, like cholesterol tests
  • Vision exams for kids
Q: What's a provider network?
A: It's a group of doctors, hospitals and other health care providers that agree to accept lower rates for covered services from a health plan. You save money by choosing providers in your plan's network.
Q: Are the monthly premium amounts per person or for the family?
A: The amount you will pay is for all members listed in the quoting tool. If you meet certain criteria, you may be able to get a government subsidy and /or tax credit to lower the premium. The amount of financial help you could get depends on your income, family size and health care costs where you live. You can use our Subsidy Calculator to find out if you qualify for a credit.


Q: I already have an Individual and Family plan (not one sponsored by an employer) with you. Do I need to do anything?
A: You will need to move to a qualified health plan starting January 1, 2014. Log in to the secure Member Portal to see a comparison of the coverage you have now with the qualified health plan we recommend for you.
Q: What if I want specific benefits, like dental and vision coverage, that aren't part of a medical plan?
A: As part of the new health care laws, dental and vision benefits for kids will be either part of your health care plan or available as a separate policy. We also offer dental and vision plans for adults.

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Copyright © 2005 Oleg Skurskiy Authorized Independent Agent, CA License 0E50389