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Find Out On Line Your Individual Health Insurance Rates, Benefits and Apply Through NASRO
Find Out About Your Small Business Health Insurance Rates and Benefits Options
NASRO - Standard Health Insurance Plans - Powered By: Quotit.com
The National Association of Socially Responsible Organizations (NASRO) is a Los Angeles headquartered community non-profit association founded by health care consultant Robert Gaw, that is working hard for you and is able to recommend the best individual and small group plans that are available in California at a more affordable rate, to fit your situation. NASRO is more than just a broker, more than just a consultant. NASRO is an advocate for you and not our backward thinking health insurance system. NASRO works with individuals as well as employer groups, but we do not have group health plans available in California for individuals. Individuals that have pre-existing medical conditions and are not HIPPA eligible can still be turned down for coverage. If you are preparing for your annual health plan renewal, starting a new business, are currently on an expensive COBRA plan from a previous job, expanding operations in California, or just need to lower your monthly health insurance costs then you need to know more about NASRO. You are not alone, we can help you. We have worked hard for decades to help establish a more humane health care system in California. Unfortunately, there is still much work to be done in California. NASRO is helping to make sure that all the health plan options available in the state are communicated professionally. If you have a question or a problem please call us. We can offer advice on a wide range of health care subjects beyond health insurance rates. If after looking at the quotes you have questions about the benefits of the plans or the enrollment application process please give us a call. We can help you complete the on line applications and prepare you to answer the questions you will be asked. Additional NASRO Services Now Available
California NASRO Members Include
Short Cuts for Individuals and FamiliesFor Individuals and Families paying for their own plan it is important not to wait until you have a medical condition before you purchase health insurance. Once you have a medical condition, even a minor one, as inhuman as it seems, the health insurance companies can turn you down and refuse to provide any coverage. If you recently have had group coverage from a previous employer, you have 63 days after the end of your group plan to pick up an individual plan and not be subject to medical underwriting. Since age rating is the only option, the younger you are the more affordable the health plans are. The older you are the more the premium costs go up. Young families may actually be able to afford more coverage to protect their children and older individuals who are healthy can find plans that provide good access to routine physicals, unlimited sick visits and prescription drug coverage and carry a larger deductible for the less likely to occur inpatient admissions. Below is an example of one plan, but we suggest you try are on line system for quick and easy access to many plan options, provider look up information and on line fast sign up by filling out an on line application. See These Examples of the Top Five Individual and Family Plans in California Kaiser $1,500 Deductible HMO Plan Kaiser $25 Co payment HMO Plan Blue Shield Vital Shield 2900 Plan Kaiser $0/1500 Deductible Single HMO Plan Kaiser $30 Co payment HMO Plan See This Example of a More Affordable Plan for People and Organizations in San Diego Who Want Access to Medical Providers in Northern Mexico
Frequently Asked QuestionsWhat are my options if I lose my group health insurance coverage at work and I am not eligible for COBRA? If you have been covered for 18 months by a previous group plan you earn HIPPA rights that allow you to qualify for a plan with carriers such as Anthem Blue Cross, Blue Shield, Kaiser, Health Net and Aetna where you are guaranteed acceptance by the federal government, regardless of your pre-existing medical conditions and your height/weight ratio. NASRO can help walk you through the process, make sure that you qualify and have access to the health insurance you have a right to. If you do not have pre-existing conditions and finding a good affordable plan is your goal, NASRO can help provide you with focused options at no additional cost to you. What can I do if I can not balance the rising cost of health insurance premiums with the lower income I am earning as a result of the recession? First you should know that this sad state of affairs is pushing the federal government to very soon enact major changes to how the health insurance industry is run this year. While waiting for that new day we suggest that you review your benefit plans once again to make sure that the plan you currently have is allowing you to have access to the health care benefits you actually use. NASRO can help you with that process.
The Immoral Practice of Pre-Existing Conditions Underwriting and Individual Health InsuranceNASRO believes strongly that the fast growing number of individuals who need a health insurance plan in California should be provided the right to buy the same health insurance plans for the same price, as anyone else, with their own money. We believe it is a sin for health insurance companies to " play God " with the lives of people. Turning down people with any form of illness large or small is severely limiting their economic lives. Help with some COBRA premium costs provided in the recent "stimulus bill ", is great for people who work for large employers, but most people do not work for large employers. Unemployment could rise reach 15% in California by the end of 2009 and prudent financial planning needs to be made now. NASRO does not yet have a group plan in California that will accept individuals that have been turned down for coverage. We are working for a new National Health Care law to accomplish this mission. In the meantime, we will assist any self employed person in California that needs to know how to qualify for group coverage right now.
NASRO Personal ServiceWhat People Are Saying About Us!" I have nothing but praise for the good folks at NASRO ( National Association of Socially Responsible Organizations ). If you've ever dealt with insurance providers, you know that the usual goal of the person who answers the phone is to say " no " and hang up as quickly as possible. My experience with Barbara Gibson at NASRO could not have been more different. She actually did the math on whether it would be better for me to stick with COBRA for 18 months before switching to the NASRO plan. The one time I actually had a problem with coverage for a medical condition, she not only straightened it out, but remembered to ask me if I was feeling better after the procedure. Deborah Elizabeth Finn P. S. Full disclosure. NASRO does not compensate me in any way for praising it immoderately. I am just a fan."
NASRO Members Include
Carriers with Individual Health Insurance PlansAnthem Blue Cross of CaliforniaAnthem Blue Cross Life and HealthBlue Shield of CaliforniaKaiser PermanenteCelticHealthnetPacifiCareApply On Line at the top of the page or Call NASRO with any questions at 310-598-0670 / 800-638-8113 Need More Information?California Health Insurance Plan Brochures for Small Business and Non-ProfitsAnthem Blue Cross of California
Blue Shield of California Blue Shield of California Small Group Plan Summaries Effective July 1, 2009
Kaiser Permanente Copayment Plans
Health NetPacifiCareAetnaUnited HealthcareAffordable Dental Insurance PlansSign Up On Line at Anytime At the Top of the Page
Delta Dental
Anthem Blue Cross Blue Shield of California
PacifiCareVision PlansCall NASRO for rates and enrollment information - 800-638-8113 Term Life Insurance PlansFind Out the Rates and Apply On Line for Term Life Coverage NASRO does not recommend Life Insurance as an investment tool, but for basic protection for a spouse and dependent children it remains an important part of prudent financial planning. In the event of an untimely death, income for the family to continue on with the basic needs being met can be achieved for a modest monthly premium. Carriers Banner LifeWest Coast LifeLincoln Benefit LifeAmerican GeneralUnited of Omaha LifeNationwide LifeGenworth Financial
Short Term & Long Term Disability InsuranceMetropolitan Life Insurance CompanyUNUM Life Insurance CompanyWest Coast Life Insurance Company See through the mist and confusion surrounding health insurance plans with the help of a recognized non-profit like NASRO.Enrollment Tips
Health Insurance Is Also Available In:Washington Oregon Massachusetts Maryland Washington D.C. Virginia New York Georgia North Carolina Illinois
NASRO Clubs are working for California communities
National Association of Socially Responsible Organizations Robert Gaw President & Founder NASRO Group Health Co-operative California Office 609 Deep Valley Drive, Suite 200 Rolling Hills/Palos Verdes, California 90274 310-598-0670/ 800-638-8113 Fax - 800-562-8588 info@nasro-co-op.org Hours of Operation - 7am to 5pm Monday through Friday
NASRO Clubs Eastern Office Two Canal Park, Fifth Floor Cambridge, Massachusetts 02141 781-893-4343
NASRO Washington D.C. Office 3204 18th Street N.W. Washington D.C. 20010 800-638-8113
Links
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NASRO Group Health Co-operative609 Deep Valley Drive, Suite 200Rolling Hills/Palos Verdes, CA90274310-598-0670800-638-8113Operations Manager Barbara Gibson
California BudgetCuts to Cost 2Million TheirHealth Care PlanCalifornia Health Care Trends for 2009Los Angeles: In any recession a number of difficult health care trends start to emerge that are fairly self evident. What needs to be watched out for is how deep this recession will go,that is beyond the experiences of our recent past. Predictions by the Economic Policy Institute for example, call for planning for unemployment rising as high as 15% over the next two years. Because of the compounding of the loss of jobs, with housing foreclosures, loss of home equity and retirement savings that is being experienced at the same time, the following trends are likely.
Educate Yourself
• NASRO's mission in health care particularly concerns the situation facing small businesses, non-profits, individuals, self employed people and independent contractors. Please read this excellent resource developed by the California Health Care Foundation and call NASRO at 213-489-1650/800-638-8113 with any questions and for a rate proposal on the health plans you are interested in looking at. Developing the Right Criteria For Selecting Your Next Health Plan Right now in California if you are an individual who has a pre-existing medical condition and you are middle income the plans available for so called high risk people are beyond the financial reach of many people. If you are high income and have pre existing conditions you will be able to find a plan that you can afford. For the insurance industry to deny Californians who are sick access to health insurance is a sin. Other states have provided coverage for 20 years and their insurance companies are doing well. The size of the population of individuals in California is huge, with many hundreds of thousands of new people moving from being covered by an employer to being responsible for their own health plan throughout any year. Rules Governing CA Individual Insurance Market
• Employer groups and self employed people are now free to join NASRO at no cost. With its growing numbers NASRO is leveraging our membership to change the economics of California health insurance. Membership is confidential and not subject to distribution to any outside groups.
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