17 Reasons of why YOU will feel better with Steve Shorr Insurance.

There is no additional charge Section 1301 a 1 c (iii) PPACA   42 U.S. Code § 18021,  for our services in advising and helping you obtain the coverage best suited for your needs. Qualified health plans  agree to charge the same premium rate without regard to whether the plan is offered through Covered CA or whether the plan is offered directly from the issuer or through an agent

The Insurance Companies or HMO’s compensate us,  as it saves both you and them time and money.  

Wouldn’t it be nice if the IRS provided you a CPA to help do your taxes at no charge?

  1. Steve Shorr (double “r”)  our President and founder has over 30 years of experience and formal education, including:

  2. a Bachelor of Science Degree from San Diego State University majoring in Insurance.

  3. He also holds the following designations: Chartered Property & Casualty Underwriter  CPCU;

  4. Registered Employee Benefit Counselor REBC;

  5. Life Underwriting Training Fellow LUTCF  and Registered Health Underwriter RHU*, which gives us strong foundation in the Principles of Insurance.

  6. Since 1981 Steve has been serving individuals, small and medium businesses.

  7. We provide Instant 24/7 Quotes, Brochures & Enrollment Materials
    1. Of course, we are here to help you review the above materials and select the plans most appropriate to your needs, concerns and budget.
      1. California – Individual & Family Health Insurance
      2. Employer Group Health Insurance
      3. Medicare – What A Hospital and B Doctor Visits don’t cover
      4. Dental Coverage
      5. Life Insurance.
  8.  Click here to enroll in our complementary service for your Covered CA account.
    1. Visit Brokers Making a Difference.orgThe Benefits Guide.comWe are still here to help, despite many brokers and navigators leaving the market place. Modern Health Care 7.3.2018  2019 less Government Support for navigators Calif Health Line  *
  9.  

  Seven More

  1. We provide the ultimate in customer service in our role as your agent.  You will never wait on hold – email [email protected]  or call us 310.519.1335;  if we are helping another client, leave a message which will be returned within 2 business hours.
    1. We can also meet with  you face to face visits at your office, factory, home;  or at our office which is conveniently , located off the 110 Freeway in San Pedro, CA a suburb of Los Angeles..
    2. We don’t just give you an off the top of our head answer, but will email you an actual citation to the law or actual insurance company brochure, evidence of coverage, etc.
      1. Thus you can rely on our answer and don’t have to wait hours on hold talking to Customer Service Representatives Looking for a script
      2. Cal Broker Magazine May 2019 reports that licensed agents receive the highest consumer satisfaction scores.
      3. Check out our testimonials page.
    3. We counsel you to get the coverage you need for financial security, as close to half of all bankruptcy filings are due to debt from medical expenses and not just trade dollars with the Insurance Companies.
  2. We monitor  Health Reform – Affordable Care Act, Insurance, and taxation Laws such as HIPAA, COBRA HSA’s, Section §125, The Governor’s Proposals, etc.   and post to this website. We do our best  to make sure our clients have the best coverage available, that it meets their needs and that our answers are the correct ones with actual citations to the law or Insurance Company official literature.  For example:
    1. No sense paying back advance premium subsidies because Covered CA doesn’t understand and gives the wrong advice that MAGI Income isn’t just what’s on line 37 of your 1040.
    2. Individuals & Employer Groups of one non-spousal w-2 employee or more are now guaranteed  medical & health coverage through any medical carrier, including HMO’s and PPO’s. AB 1672.& 1083  2701 10965.3
    3. Sample List of conditions and diseases that may be covered with NO Pre X clause under Health Care Reform. nlm.nih.gov/
    4. Employer provided fringe benefits (Health Insurance) are usually tax deductible for the employer and non taxable to the employee. Section 106   IRS publication 15b 

  3. We  represent  many fine Medical & Life Insurance companies to meet your needs, including but not limited to  Covered CA,  Kaiser, Blue Cross, Blue ShieldUnitedHealthcare, Oscar and  Health Net.
  4. As a public service we also link to various State & Federal Programs for the uninsured, low income, disabled, or chronic medical conditions.  (Leviticus 19:9)
  5. We get tons of Testimonials  – the more recent ones are in the Q & A at the bottom of most all of our webpages + numerous one in private emails.
    1. We are mandated by law to be honest, deal with you in good faith and deal fairly 10192.555 and to  show you ALL plans for the carrier’s that we  represent. CA Insurance Code §10753.05 B 1   We also answer to higher authority
  6. We maintain this extensive website which includes Video Explanations, Introductions and links to the actual law or Insurance Company brochures.  Sign up here to be notified of our website updates.

  7. This isn’t 10, 12 or 15 as some of the reasons are became sub parts of the ones listed earlier.

*Some of these degrees require continuing education and dues payments.  We show them as part of our formal education & training, not all may be current.  Take a look at our website, we are in constant training and self education

Congress values the benefits of Agents and Brokers in Health Insurance

 

Congress finds the followingHR 1206 SEC. 2. FINDINGS.HR 2328 Rogers

(1) Licensed independent insurance producers (agents and brokers) provide a wide range of services for both individual consumers and the business community. Producers interface with insurers, acquire quotes, analyze plan options, and consult clients through the purchase of health insurance.

(2) Licensed independent insurance producers provide guidance regarding benefit and contribution arrangements to ensure compliance with applicable State and Federal laws and regulations; assist with establishing section 125 plan tax savings under the Internal Revenue Code, health reimbursement arrangements, flexible spending arrangements, and other programs to maximize tax advantages and ensure compliance with applicable Internal Revenue Service guidelines; create educational materials and provide on-site assistance to aid in employee benefit communication; assist in managing eligibility for new hires and terminated employees; provide advocacy for employees through the health insurance claim process; and advocate for employers with insurers in developing proposals, renewals, and for service issues throughout the year.

(3) In order to meet these responsibilities, licensed independent insurance producers are required to complete continuing education on an ongoing basis in order to maintain appropriate licenses. This requirement to maintain educational standards helps assure the insured public that producers remain current with the ever-evolving insurance market.

Check out our Education Background

(4) It is essential that licensed independent insurance producers continue to perform these duties, and others, as the Patient Protection and Affordable Care Act has made significant changes to the regulatory environment for health plans. To understand these changes, employers and consumers will need professional guidance even more in the future. This service is especially important for small businesses, as such producers often fill the role of a human resources department as well as professional consultant.

(5) The National Association of Insurance Commissioners--whose core mission is to protect consumers in all aspects of the business of insurance–strongly advocates for the continuing role of licensed independent insurance producers in health insurance, and has expressed that the ability of insurance agents and brokers to continue assisting health insurance consumers at a time of rapid insurance market changes is more essential than ever.

(6) It is critical that the indispensable role played by licensed independent insurance producers is recognized and protected. thomas.loc.gov

Introduction to Health Care Reform by Steve Shorr

- Video

Website Introduction

30 Second Video from CA Department of Insurance – NAIC – you don’t need to call them, we have everything on THIS website!

Steve - when he's not updating the website outside of Open Enrollment
Steve - when he's not updating the website outside of Open Enrollment

1989 Maytag Repairman Christmas Commercial

Guaranteed Issue - No Pre X Clause

Quote & Subsidy Calculation 
No charge for our complementary services

Instant Health Insurance Quotes

Details on how to use our quote engine

Steve Shorr - Covered CA Certified Agent

Steve Shorr - Covered CA Certified Agent -
Appoint Us - Instructions 
No Charge for Complementary Year Around Service -
Same price as Covered CA or Direct with Insurance Company
Get Instant Quote & Subsidy Calculation

Video on how great agents are

Guaranteed Issue - No Pre X Clause

Quote & Subsidy Calculation 
No charge for our complementary services

Instant Health Insurance Quotes

Details on how to use our quote engine

Laws, Education, Rules, Powers of Principal (Insurance Company) by agent

Overview of Agency Relationships SHSU.Edu

Agent: A person who agrees to act on behalf of and instead of his or her principal, subject to the principal’s control. A good example would be an insurance agent.

Implied Authority:  actual authority that is
(i)    conferred by custom (“everyone in the job has always done this…”),

(ii) inferred from the position the agent occupies (you would expect a vice president to be able to act on behalf of the company), or

(iii) inferred as being reasonably necessary to carry out express authority (sign the contract).

Apparent Authority: Authority that arises when a principal, by either words or actions, causes a third party to believe that an agent has authority to act, even though the agent has no express or implied authority to act with regard to the particular matter at hand.

Business Law & Legal Environment

Person-to-Person Assistance,

Especially Through Agents,

Is Vital to Promoting Covered CA Enrollment

 

Most of Covered California’s enrollment comes from a range of channels that provide person-to-person assistance to help people enroll. At Covered California, about 40 percent of all enrollment is from consumers who enroll directly through the website (CoveredCA.com) (see Figure 10: Covered California 2017 Enrollment by Service Channel), but most consumers want and need personal assistance with enrolling.

The biggest single channel for enrollment is through Certified Insurance Agents who are paid directly by health plans through commissions. Agents enroll 47 percent of Covered California’s consumers. These are trained and licensed professionals who operate storefronts and do in-person retail sales. It also includes web-based entities. All agents must be certified by Covered California.

Some health plans have decades of experience funding agent channels to attract and enroll consumers. Covered California has successfully
established a variety of programs to promote and partner with agents.  Covered CA Report

Brokers Leave ACA – Obamacare as commissions go unpaid Modern Health Care 4.5.2017

Full Story – CA Health Line 2.18.2016

Covered CA letter to Secretary Burwell 2 pages  pdf

 

FAQ

 

Kirk . . .

Just want to set the record straight.

Concerning the article referenced below about Executive Director Lee standing up for agents, the article states at one point: “Lee said it has become apparent to him that some insurers are trying to avoid sicker customers by slashing their payouts to agents.”

While this statement makes for interesting headlines, an act such as this has been unlawful as an identified “discriminatory practice” in the Insurance Code for many years, and it IS NOT HAPPENING in California — not in 2016, not in 2015, or 2014, or in any of the years predating CoveredCA’s operations. It does not affect current agent compensation one iota. Agent compensation was slashed by as much as 75%-80% in direct response to the 80% Medical Loss Ratio embedded in the PPACA. In the years prior to the enactment of the PPACA, health insurance commissions ranged upward of 20%-25% of annualized premiums.

There is no underwriting of individual health insurance in California. Insurers have no way of identifying “sicker” persons prior to actually encountering their medical expenses, because no health questions are asked during the enrollment process. So there is no way to alter the compensation paid to agents.

Additionally, agents do not receive differing compensation based on open or special enrollment periods. Only Kaiser pays agents a flat $100 per new enrollment and $0 for renewals, a significant departure from the other players who all pay about 4% of premium for new and renewal business. HealthNet is the only company that first deducts all fees and taxes from premiums prior to calculating commissions, the others pay on the gross commission amount, so while HealthNet pays a 4% commission, it is actually a smaller effective rate compared to the commission practices at the other insurers I represent.

Perhaps Executive Director Lee can address the Kaiser and HealthNet compensation issues specifically.

7 comments on “17 Reasons to use Steve Shorr Insurance

  1. Constant Continuing Education… even things over our head

    https://www.healthaffairs.org/do/10.1377/he20180814.4066/full/

    RAND Corporation’s Santa Monica Headquarters, in Los Angeles, California. In addition to opening remarks by California Health Secretary Michael Wilkening, the event will feature panels of journal authors presenting topics including:

    Delivery System Innovation
    Markets & Regulation
    Access To Services
    The Search For Universal Coverage
    California’s Evolving Demographics

  2. My best friends, cousins, x wife’s, brother referred me to an agent who is a “Master Broker.” So, what do I need you for?

    • I’ve never heard the term Master Broker*, what is it?

      Can your Master Broker, respond authoritatively like this? Or any other comment or article we have?

      If there is an official designation of Master Broker, do you think I would qualify?
      See above.

      biography

      Steve

      P.S. How many ACA agents know about this pending case, where there won’t be any more protection against Pre-Existing Conditions?

      *Except from one guy known to be a blow hard. Maybe he used to be in the trucking business?

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