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Tim Thompson
Works at SPF Insurance Services
Attended Colorado State University
Lives in San Diego, CA
115 followers|14,593 views
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Tim Thompson

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Test Your New Obamacare Health Insurance Plan Before It's Too Late

If you think you got a good plan, here's how to test it.  If you wait till April, then you're stuck in the plan until 2015.
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Tim Thompson

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UnitedHealthcare Leaves California - What Should You Do?

This is the 2nd health insurance company to pull out of California, and it won't be the last.  Find great health plans to replace your UHC plan, which will disappear on 12/31/13, using this quick guide

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I know it seems like it...and the insurance "law of large numbers" says that only the biggest will survive, so ultimately there will only be 2 or 3 left in CA.
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Before you read the answer, hit the COMMENT button and say what you think the answer is.  
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Health Care Reform - Busting The 3 Biggest Myths of ObamaCare
These are the three misunderstandings I hear the most from clients that call me to get health insurance.  
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Health Insurance Rate Increases For Grandfathered Plans - This Is Barry's Story

Barry got a letter, like everyone else, but his letter said his rates were going up almost 30%.  His old agent and the insurance company told him to "ride it out".  See what he did here...
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Kevin,
I don't see it changing after ObamaCare starts in 2014.  The definition of the exact benefits in the new metal plans is still very loose.  So the insurance companies can tweak the copays, coinsurance, and deductibles to fine tune the actuarial value of their compliant plans.  I see them periodically creating new bronze, silver, gold, and platinum plans to better target specific market segments, just like the do now.  

These periodic plan changes will result in the older plans beginning to stagnant, and some people leaving the old plans to move to the newer plans each year.  
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Health Insurance Rate Increases of 25% in California

Here's a quick update on the health insurance rate increases that Californian's are seeing.  Near the end I give some solutions that we're using with our clients.  Watch...
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The peril of having a new baby is that you must get health insurance for the baby within 30 days after birth.  Learn how to make this fast and easy.
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Kevin Haney's profile photoTim Thompson's profile photo
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Good point Kevin!
That's the main focus of this article.  Then it establishes some key steps to take to make the choice about which plan, the mother or father's, will be the best option.
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Have him in circles
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Who Cancelled Your California Health Plan?

Was it your insurance company or Covered CA?
Put your answer in the comments, then read this post for the answer and the reasons why it happened.
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Aetna leaving the California market means there are 49,000 Californian's looking for a new health insurance plan.  

Here is a quick mapping of the Aetna plans to good replacement plans from the remaining insurance companies.

Share this with your friends that are moaning about losing the Aetna plan.  It will put a smile back on their face!
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That works 
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Health Insurance Rate Increases and the "Law Of Unintended Consequences"

The media has been in a feeding frenzy on this topic for the last 2 weeks.  Everyone has different thoughts about why rates are increasing over 20% in some cases.  Here's a more detailed look at the topic, along with SOLUTIONS if you got a shocking letter about your rates.
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Health insurance rates go up, and it effects which maternity plans are the best choice.  See the new Jan 1st, 2013 results here...
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Kevin,
I  looked over the hospital indemnity plans available her in California, and none of them have large enough benefits to really be of use to a woman with a high deductible plan.  Consequently, the regular health plans  I recommend are still the best option for couples wanting to start a family.  
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Have him in circles
115 people
Doug Means's profile photo
Andrew John's profile photo
Persona Non Grata with Diabetes's profile photo
Jason Stewart's profile photo
Michael Call's profile photo
Jason Raya's profile photo
Trevor Niarchos's profile photo
Louise Hammond-Williams's profile photo
ZibdyHealth's profile photo
Work
Occupation
Benefits Advisor
Employment
  • SPF Insurance Services
    Benefits Advisor, President, present
Places
Map of the places this user has livedMap of the places this user has livedMap of the places this user has lived
Currently
San Diego, CA
Contact Information
Work
Phone
858-613-3628
Email
Address
San Diego, CA 92128
Story
Tagline
"Leading you through the health insurance maze"
Introduction
Founder of SPF Insurance Services.  

As a type 1 diabetic I had to learn how to get health insurance for myself and family.  The information was not readily available in the 2001 time frame when I decided to start my own business.  So I call ed every health insurance company and a bunch of insurance brokers and agencies until I figured out how to get coverage.

My primary profession was as a financial planner, and early on I realized that many of my clients had the wrong kind of health insurance and life insurance, so I began adding those to my practice.  I've always been a fan of independence, so I work with all the major health insurance companies in California.  

A great deal of our clients are self employed, divorced, or have pre-existing conditions that make getting insurance tough, and we also work with small businesses to help them get affordable health insurance for their employees.

At SPF Insurance we are your premier health insurance agency in San Diego. Whether you need affordable family or group health insurance quotes, or even term life insurance we can help.

I am a published expert in the health insurance industry and write about health care topics that don't have simple answers.  Articles usually cover information you won't find anywhere else on the web, and include fact-based analysis of plans, methods, and recommendations.  I have special interests in maternity insurance, and people with Pre-Existing Conditions.
Education
  • Colorado State University
    BSEE, Math, Computer Science
  • University of Phoenix
    MBA
Basic Information
Gender
Male
Tim Thompson's +1's are the things they like, agree with, or want to recommend.
Best California Maternity Insurance After Obamacare | Best San Diego Hea...
spfinsurance.com

Obamacare has changed everything about pregnancy insurance. California has all new plans. See the best maternity insurance California has to

Obamacare Health Plans in California - Benefit Details | Best San Diego ...
spfinsurance.com

You can't pick an Obamacare health plan unless you know what benefits you're getting. We describe the plans, compare the plans, and give rec

Can I Get Health Insurance After Open Enrollment?
spfinsurance.com

Open Enrollment closes on 3/31/14! Is it possible to sign up for health insurance after that deadline? Find out what the open enrollment exc

Test Your New Obamacare Health Insurance Plan Before It's Too Late
spfinsurance.com

Did you choose a good Obamacare health insurance plan? If not, you have til March 15, 2014 to switch to a better plan. Learn how to test you

Covered CA Cancelled Your Health Plan
spfinsurance.com

Covered CA cancelled your health plan, not the ACA. Was it because it offered "poor coverage?", or was it just a money grab. See the compari

UnitedHealthcare Leaving California - See The Replacement Plans Here
spfinsurance.com

The announcement of UnitedHealthcare leaving California means 8,000 people need to know the best replacement health insurance plans. Get tha

Aetna Health Insurance Leaving California - Recommended Replacement Plans
spfinsurance.com

Aetna Health Insurance announced they would leave California's marketplace. Here are our recommended health plan replacements for each Aetna

Health Care Reform - Busting The 3 Biggest Myths Of ObamaCare
spfinsurance.com

Discover what the government won't tell you about Health Care Reform (ObamaCare). These 3 myths will cause a lot of trouble for those that a

Health Insurance Rate Increases Are A Tsunami!
spfinsurance.com

Many people are stunned by health insurance rate increases they just received. We cover what happened, why, and offer solutions. California

Health Insurance Rate Increases - What To Do About Grandfathered Plans?
spfinsurance.com

If you've had the same health insurance plan for years you are in a grandfathered health plan. With today's large rate increases what should

Best Maternity Insurance California Plans Updated! - See New Top 5
spfinsurance.com

It's a new year, 2013, and the best Maternity Insurance California plans have changed! New rates, new plans, dropped plans. See which plans

How To Get California Baby Health Insurance|For Baby California
spfinsurance.com

Get health insurance for a new baby in California. See 7 key factors & strategies to ensure you get the best California baby health insuranc

Astart Synergistics
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Astart Synergistics hasn't shared anything on this page with you.

Health Savings Account HSA Plans California
spfinsurance.com

Learn about Health Savings Account HSA plans in California. What they are, how they work, how and where to set one up. HSA Provider list and

Indoor Plant Care Services for Home, Office and Commercial Space | Growi...
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Growing Roots La Jolla, CA specializes in acclimated indoor plants. We are committed to supplying our customers with guaranteed quality prod

SPF Insurance Services | LinkedIn
www.linkedin.com

Welcome to the company profile of SPF Insurance Services on LinkedIn. Helping self-employed people and Small Businesses, since 2002, protect

I've gone to Wonderworks Healthing Arts many times, and Amorah always using her intuitive powers to figure out what's going on with me and then treat the cause. There's three treatment rooms to choose from, and each is very different. I like the crystal table room. Amorah helped me heal after a major leg surgery. Every time I leave her office after a treatment, I feel more alive and aware of what's happening around me. She's a great acupuncturist and healer!
Public - a year ago
reviewed a year ago
I originally started seeing Michael because I had partially torn the rotator cuff in my right shoulder. After one session I could feel and see the improvement in range of motion. I continued to see Michael for a period of time and he helped correct a couple of other structural issues as well. Now I visit him every few months for a tweak here and there. Definitely worth the time and anguish to get the results Michael's rolfing skills gave me. He's the one!
Public - a year ago
reviewed a year ago
Rick came out to the house and cleaned the carpets in all the rooms of the house. The key was that we have tile and hardwood floors throughout, except for each bedroom, a loft, and a separate retreat area. Rick moved all the furniture as he was cleaning, and then put it all back in place. Then he cleaned up the time and hardwood floors where the hoses had been. He was able to get out some minor stains that we had in the loft area. Great job, great prices, great results!
• • •
Public - a year ago
reviewed a year ago
Darren at Astart came to my office and set up our computers to automatically backup and then configured them to perform faster. He got rid of a bunch of junk that was clogging things up. Especially the virus scanner we had used, which he showed was slowing down our internet experience. He installed his preferred virus scanner and showed us the difference in speed. A while later, I called with a problem that was starting to cause 1 computer to slow down, and Darren took control of the computer remotely, and got everything fixed. That was so cool! Great company, great pricing, especially on the monthly maintenance plan. No business should be without Astart.
• • •
Public - 2 years ago
reviewed 2 years ago
15 reviews
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Map
Map
I've always liked the food at Mimi's. The salads are my favorite. They're plenty big enough to be a meal, and each is packed with great produce. You can't go wrong. I especially like the honey bran muffin they serve. I treat it like dessert.
Food: Very GoodDecor: Very GoodService: Excellent
Public - a year ago
reviewed a year ago
Pete and Farmers have always been able to give me the best protection and the best pricing. He takes care of all the details and and gets things done. I've recommended him to others and they have all thanked me for telling them about Pete.
Public - 2 years ago
reviewed 2 years ago
We're regulars at this location. The service is always great, even when they are busy. The thing that always amazes me about Pho Ca Dao is that your glass will never be empty, because someone stops by the table every 5 minutes to refill the glasses. My wife loves their bowls, and my favorite is the grilled chicken and rise platter. We always take friends here, and everybody has a great time. Keep up the great job.
Public - 2 years ago
reviewed 2 years ago