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# What Is The Health Net MedXM In-Home Wellness Service? Should You Use It?
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 Health Net is trying to get everyone to make use of preventive care. This includes an annual wellness visit and all the lab tests associated with it. To help members utilize yearly wellness services, Health Net enlisted the help of MedXM to provide in-home visits by a doctor and/or nurse practitioner.
!For members with limited mobility, this new service could be a difference maker. Having the provider come to your home would make it easy to get regular yearly preventive care.
There is no extra charge for this service. The wellness visit will take about 45 to 60 minutes to complete. The results and data from the visit will be shared with your doctor.
Here’s the catch with the MedXM wellness service. **Using the MedXM in-home wellness visit WILL REPLACE your annual wellness visit with your primary care doctor.** You can’t do the MedXM wellness visit for $0 cost AND see your primary doctor for a $0 cost annual checkup. You can only do one or the other.
!A second factor to consider is that MedXM does not have many favorable ratings on its service. Three ratings are not enough to determine how good or bad a company is. The Yelp reviews are telling, but things may have changed since the time these reviews were done.
Therefore, the decision about using the Health Net MedXM in-home wellness visit or going to see your doctor should be based on which method will result in you having a wellness checkup each year.
2018-04-28 By:  In: ,  With: Previous Post: Next Post: 
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 **SPF Insurance Services**  17927 Sencillo Ct.
 San Diego, CA 92128
 (858) 613-3628
 SPF Insurance provides service throughout California including these cities:
 Los Angeles, San Diego, San Jose, San Francisco, Fresno, Sacramento, Long Beach, Oakland, Bakersfield, Anaheim, Santa Ana, Riverside, Stockton, Chula Vista, Fremont, Irvine, San Bernardino, Modesto, Oxnard, Fontana, Oceanside, Escondido, Carlsbad, Temecula, El Cajon, Vista, San Marcos, Encinitas, Solana Beach, Imperial Beach, National City, La Mesa & Ramona
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 !   SPF Insurance ServicesTim Thompson San Diego, CA 92128(858) 613-3628
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# 5 Things You Should Know About Nationwide Health Brokers
## eHealthInsurance, Go Health Insurance, Costco Health Insurance, and Health Plan One are examples of brokerage companies that offer health insurance throughout the US
! Beware the Call-Center Insurance BrokerChoosing the right health insurance for yourself or your family is important. Where you get information to help in the decision could make a big difference in whether you get the best health plan or just “okay coverage”.
When searching for information, Google searches will often return a variety of big national insurance brokerage firms along with local brokers. You should use a local broker, but if you choose a nationwide firm you need to be aware of their limitations.
## 5 Key Issues With Nationwide Health Brokers
I’m not saying that national health insurance brokers are bad. They are just not the best option available to you. Here are the issues and limitations to be aware of:
1. **Call center brokers don’t have better prices for health plans**
In California, all health insurance rates are controlled by the Department of Insurance. Therefore, the rates you see on a national broker website and a local broker website will be the same.
Buying Health Insurance Is Like Selling Your Home If you were selling your home would you use a broker located in Chicago or a broker located near your home? The local Realtor will know your neighborhood, the schools, the value of other homes in your area, the real estate market conditions, along with other local Realtors that work with buyers.
A national Realtor would have to look up that information, and probably not have the same level of detail as the local broker.
Health insurance is very similar. A local broker will know how the local health plans work, the networks that doctors accept, and the hospitals in the area along with the insurance networks the hospitals accept.
Which would you choose, a national broker or a local broker?
4. **National brokers only show you the health plans they want you to see**
Many of the nationwide brokers are revenue driven because they are listed on a stock exchange. Their quote engines will not show you all the options that are available to you. They show the ones that pay the brokerage firm the most.
6. **Nationwide agents won’t check the networks your doctors and hospitals are in**
Most brokers won’t do this because it is time intensive. It requires searching across multiple provider search tools. Each tool works differently and won’t allow a simple search strategy. Unless you are an expert, find a local California agent that will do this for you.
8. **They don’t know your local health insurance market**
What insurance company health plan options, what major medical groups are available, and what networks they accept. This information comes from experience working in the local area. A broker in a call center in another part of the US won’t know the details of your city.
10. **Some nationwide health insurance websites are just “lead capture” engines**
These websites exist to collect your contact information and sell the results to multiple brokers. This will flood your phone and email with agents calling to sell you their health plan. Lead Capture websites are easy to spot if you know how. For information about how to spot these sites see our post, ““.
## What’s Your Best Choice For Health Insurance Brokers?
As you can see above, there are limitations on the service and expertise you will receive if you use a health insurance agent that works in every state. The best choice is a local insurance broker that knows your city, the medical groups and hospitals that are available there.
You should be able to get help to determine what health insurance networks your doctor participates with along with good recommendations on health plans that fit your specific needs. A local broker will be able to do this with you.
See  from other California health insurance brokers.
2017-02-16 By:  In: , , ,  With: Previous Post: Next Post: 
# Life Insurance For An Uncertain World
! You hold their world in your handsAs a boy scout I learned to “Be Prepared,” and I live that motto each day of my whole life. Planning for the future and the uncertainty of what might happen. Figuring out how to make sure that if something goes wrong I have a backup plan to keep what’s important from being derailed.
This is the philosophy we teach our clients. It includes using life insurance to protect the plans and goals you have for your family and your business.
The unexpected event is not something we can easily avoid. But preparing in case it should happen is doable. Life insurance for an uncertain world is an important part of planning for the future and protecting the ones we love.
 Ask how you can prepare for your future and keep your life goals on track regardless of what happens. See our  section of the website for more information. Follow our step by step instructions to get the right life insurance for you and your family needs.
 You’ve seen the quotes that show a 30 year old man getting $250,000 of life insurance for under $15/mo. Those ads assume you are an Olympic Athlete with a perfect family history. Unless you match that description, you will see prices a little higher.
 See what your rates look like.
2017-02-11 By:  In:  With: Previous Post: Next Post: 
# NEW 2017 Open Enrollment Period Case Study
! 2017 Open Enrollment Period Starts 11/1/16Check out our latest case study showing the decision process we used for the 2017 Covered CA Open Enrollment Period.
This case addresses many common issues that everyone faces. Can you keep your existing doctors? Can you reduce your cost of health insurance in 2017? Should you consider switching from Bronze, Silver, Gold, and Platinum to a different metal tier?
We also address one of the biggest issues facing residents of San Diego county that use the Scripps Health System for their medical needs. Is there another option besides Blue Shield?
Many of you have read my bio on the  page. As a diabetic my need for health insurance is important. This case outlines what I did to set up our health insurance for 2017. It also covers the trade-offs we had to make in order to reduce our monthly premiums.
You can see the case study here: “.”
**Read the other case studies by going to the  in the navigation bar.**
As always, if you have questions call us or put them in the comments below. We’ll respond quickly.
2016-10-20 By:  In:  With: Previous Post: Next Post: 
# Covered California Requires You Have A Doctor Or You Will Be Assigned A Doctor
 !!
 On August 17th Covered California began sending letters to all enrollees that have PPO plans. The letter states that your insurance company is going to assign you to a Physician on January 1st, 2017. This is described in the letter as a “new feature.” Should you be worried?
> Thank you for enrolling in health coverage through Covered California. We have news about a new feature that will be available with the PPO (Preferred Provider Organization) plan you are currently enrolled in, beginning January 1, 2017. What is it?
>
> Beginning January 1, 2017, your health insurance plan will select a Primary Care Physician for you. Once your Primary Care Physician is selected, you will be able to change to another physician at any time you choose.
“Covered California Requires You Have A Doctor” Letter to an SPF Insurance client.
We’ve received many calls about this letter. The bottom line is that you don’t have to do anything to keep your existing doctor. The insurance companies are required to make sure you are seeing a doctor by the end of 2016. If you have not seen a doctor since you enrolled in your plan, the insurance company will assign a Primary Care Physician (PCP) to you.
This only effects you if you have a PPO or EPO plan. If you have an HMO plan then you already have a PCP, so there will be no change.
If the insurance company assigns a doctor, you can change this doctor by calling your insurance company.
If you have not used a doctor since starting your plan, you can search for your own doctor and then notify your insurance company about the doctor you want to have assigned as your PCP.
Use our  to help you select your PCP.
Covered California is requiring all health insurance companies in California to implement this “new feature” during the upcoming Open Enrollment Period.
## What Do You Need To Do?
You don’t need to do anything if you want to keep your existing doctor.
If you have any questions, contact us and our advisers will be able to help you.
Here is the explanation we brokers received  from Covered California.
2016-09-15 By:  In: , , , , , , , , , ,  With: Previous Post: Next Post: 