Ignacio Health Insurance Services

Ignacio Health Insurance Services Providing health insurance solutions to individuals, families, small business, and the Medicare eligible. Assist everyone to attain access to healthcare.

It's Open Enrollment for Individual Family Plans.  Please call, visit our website, or use the link provided in our previ...
11/03/2022

It's Open Enrollment for Individual Family Plans. Please call, visit our website, or use the link provided in our previous post to schedule your appointment.

10/04/2022

It's almost open enrollment for Individual Plans and Medicare Part D. Give us a call to review your plan soon.

10/19/2021

It is open enrollment time for Covered California. Let us review your current healthcare insurance to make sure it is the best option for you in 2022.

Please use our new scheduling tool to set up a telephone appointment with Vanessa Ray-Ignacio or Caitlin Case Riehl using this link: https://live.vcita.com/site/lbbl8kqltgeqtbrp/online-scheduling

11/18/2020

Great Article from Sutter Health on the difference between Covid and the flu:

COVID-19 and the Flu
What You Need to Know

Getting sick this flu season comes with added worry. The COVID-19 pandemic is still spreading and will be circulating at the same time as this year’s flu. If you get sick in the coming months, how will you know if it’s the flu, COVID-19 or a less serious virus like a cold?

COVID-19 and influenza are both respiratory illnesses with similar symptoms, but they’re caused by different viruses. COVID-19 is caused by a new strain of coronavirus (SARS CoV-2) and the flu is caused by influenza viruses. Both are spread mainly by droplets expelled when people with the virus cough, sneeze or talk.

While we are still learning about COVID-19, we do know it’s extremely contagious. Some infections are mild, but it can cause major health problems, leading to hospitalization and death. Because it’s a new virus that our bodies have not seen before, we have no immunity and the lasting effects are still unknown.

The flu is also a dangerous illness and can lead to serious complications — especially in seniors, babies, pregnant women and people with compromised immune systems. Every year, millions of people in the U.S. get sick with the flu and more than 200,000 end up in the hospital, according to the Centers for Disease Control and Prevention (CDC). The good news is you can get a vaccine for the flu. We’re still awaiting a vaccine for COVID-19.

Similar Symptoms
If you get sick, it could be tricky to know if you have the flu or COVID-19. They have similar symptoms: Fever, chills, congestion, cough, muscle aches, nausea, headache and fatigue. Although there is symptom overlap, there are two key hallmarks of COVID-19 infection:

New loss of taste or smell, without nasal congestion.
Shortness of breath.
Other signs to look out for: the severity of symptoms can be much worse with COVID-19 and critical illness can develop quickly. Another difference is time between exposure and when a person typically gets sick. With COVID-19, a person usually develops symptoms about five days after infection, but the range is two to 14 days after exposure. With the flu, you typically get sick one to four days after exposure. Also, how it makes you sick differs. When you get the flu, it often makes you feel very sick within a few hours after symptoms start. COVID-19 doesn’t necessarily knock you down the first few days and may not make you feel very sick until a few days after it starts.

In general, colds are much milder than either the flu or COVID-19. Cold symptoms tend to come on gradually over a few days and can include stuffy nose, sneezing, coughing and a scratchy throat. In most cases, a cold won’t cause a fever or extreme fatigue and doesn’t lead to serious health problems.

It’s important to remember that with every illness not everyone gets all the symptoms. Review our chart detailing the symptoms of these respiratory illnesses. You can also check the CDC website for a complete list of COVID-19, flu and cold symptoms.

Stay Healthy: Get a Flu Shot, Wear a Mask and Social Distance
Getting a flu shot this year is more important than ever. It can offer protection against this year’s flu strains and help keep you out of the hospital. The CDC recommends everyone age 6 months and older be vaccinated against the flu every year.

“It’s vitally important to get your flu shot this season, with COVID-19 circulating at the same time,” says Jeffrey Silvers, M.D., medical director of infection control at Sutter Health. “The flu shot can help keep you out of the hospital.”

Flu season starts in fall and lasts until March or April. It takes about two weeks after vaccination to be fully protected, so you should get a flu shot before flu begins spreading — ideally by the end of October. You can still get vaccinated later, even into winter.

Although many COVID-19 vaccines are in development, currently no vaccine is available. To prevent COVID-19, the CDC recommends wearing a mask in public, practicing good hand hygiene, avoiding large indoor gatherings and staying 6 feet away from people who are not in your household.

09/10/2020

Hey everyone! Check out this amazing new tool we have to quote Life Insurance! Call the office for an appointment to discuss your options at (707) 884 4640

Life insurance plans from Ignacio Health Insurance Services. Licensed life insurance agent located at 35512 South Hwy 1, Gualala, ca 95445 - (707) 884-4640

03/25/2020

[email protected]
​​(707) 884-4640
We're working remotely and are here for you during the COVID-19 emergency.
Please don't hesitate to call us with any questions or concerns you may have regarding your insurance.

ALSO:
Incredible news! Covered California has extended the 2020 deadline for signing up for health insurance! You now have the opportunity to enroll in a plan through
the marketplace until JUNE 30!
Call us today to sign up.

03/27/2019

The DOJ recently made the news saying that it would not support the ACA (Obamacare) in the upcoming court case.

This has fueled a lot of explosive speculation as to what this means and what might happen.

Here’s a quick FAQ to help clear things up

Q: OMG!!! Does this mean I’ve lost my insurance???

A: No. If you are on the ACA/Obamacare/Covered CA you are still insured.

Q: Does this mean I’ll lose my insurance next year???

A: No. The appeal for the case, (Texas v. United States), still has to get through the courts and that’ll take a while. Besides which, there is an overwhelmingly strong case to support the ACA/Obamacare/Covered CA. It’s very unlikely it’ll be overturned.

Q: So wait – what does this mean?

A: In the long run, not very much. The case for ending the ACA/Obamacare/Covered CA (Texas v. United States) was brought by a group of 20 Republican Attorneys General and is being fought by 17 Democratic Attorneys General. The DOJ is neither a plaintiff nor defendant in this case.

Q: So this doesn’t affect the court case?

A: This doesn’t affect the court case.

10/16/2018

FAQ list

When is does open enrollment for Covered California start?

Open enrollment in California started on Oct 1st for renewals (existing clients) and Oct 15th for new accounts (new clients) and for Medicare Part D.

I got a letter and it said it ended on November 4th?

Nope. What the letter meant was that if you’re not expecting anything to change in your income or household size your account will automatically renew on November 4th IF the plan is still available.

If I’m not expecting any changes and I want to keep my plan should I still contact Vanessa?

Yes, it’s a good idea to contact Vanessa rather than just letting your plan automatically renew. Plans change what areas they cover and Vanessa will know if your current plan is still available.

Do I qualify for Covered California?

That depends on what your taxable income for next year will be. If it’s too low, Vanessa can still sign you up for MediCal.
How do I know what my taxable income will be next year?
It’s based on what you estimate your MAGI will be.

What is MAGI?

More or less it’s your Modified Adjusted Gross Income plus any social security or taxable income your household may receive – what you fill in on line 4 of form 1040EZ, line 21 of form 1040A or line 37 of 1040. Bring this in to your appointment and Vanessa will help you figure out the rest.

When does open enrollment for Covered California end?

Open Enrollment for Covered California ends on January 15th.

I have a Medicare Supplement, do I need to come in during open enrollment?

In California, open enrollment Supplement is during your birth month.

Do I have to change my Part D during open enrollment?/ Can I keep my Part D during open enrollment?

Part D providers change their fees and the medicines they cover every year. You should ABSOLUTELY check and see who is offering the best value for your money and who is covering any medicine you take.

How do I find out which Part D provider I should use?

By now, you should have received a letter from Vanessa with full color instructions showing you how to easily navigate the medicare.gov website. Also included in the letter is a number you can call to reach Medicare and have them sign you up. But you can make an appointment with Vanessa to walk you through it too.

When does open enrollment for Part D end?

It ends on December 7th, though due to processing time Vanessa may stop taking part D appointments on December 5th.

Who is this Peggy person, Vanessa is my agent!

Peggy is Vanessa’s assistant and does all the background work so Vanessa is free to help you!

I just have a quick question…

This time of year, Vanessa’s schedule is very full, so she may not be able to respond to your question the same day unless it’s an emergency. If it’s a simple question – like what plan do I have, then Peggy can help you figure it out. If it’s a complex question, e-mails to Vanessa [email protected] are best.

Has my Open Enrollment gone through yet?

We will send you a letter with your enrollment details as soon as it’s gone through.

I have Medicare Advantage and they’re canceling United. What should I do?

Call Peggy and she’ll make an appointment for you to meet with Vanessa.

09/24/2018

Call to schedule an appointment –
707-884-4640

Fall is here and with it comes open enrollment! Whether you want to keep your existing plan, change your existing plan or just want to know what options are out there you should call and make an appointment.


Existing Plan Renewals Start October 1st

CHANGE YOUR PLAN: If you want to change your plan, call the office at (707) 884-4640 or email us at [email protected] and make an appointment. Vanessa will get the best plan to suit your needs.

KEEP YOUR PLAN: If you just want to stay on your existing plan and you know that your 2019 tax income will remain the same, you can call us at (707) 884-4640 or email us at [email protected] or [email protected]
and let us know. If you expect ANY changes, make an appointment to meet with Vanessa.


Open Enrollment – October 15th to January 15th

NEED A PLAN: If you need insurance, call us at (707) 884-4640 for an appointment or email us at [email protected] or [email protected] and we’ll get you set up.

Medicare Part D - October 15th to December 7th

On Medicare: If you are Medicare part D, the plans change every year. We’ll be mailing out a letter for you with all Part D plans available in California. If you have any questions feel free to call us at (707) 884-4640



NOTE: If you have been on Covered California this year and haven’t filled your 2017 taxes yet please file them immediately. You can’t get tax credit for next year until your 2017 taxes have been filed and processed.

Happy Memorial Day weekend, everyone! Hope you all have a fun and safe weekend and do check out some of the great things...
05/24/2018

Happy Memorial Day weekend, everyone! Hope you all have a fun and safe weekend and do check out some of the great things happening on the coast!

05/16/2018

Address

35512 South Highway 1
Anchor Bay, CA
95445

Opening Hours

Monday 8am - 4pm
Tuesday 8am - 4pm
Wednesday 8am - 4pm
Thursday 8am - 4pm
Friday 8am - 4pm

Telephone

+17078844640

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