License# 0H87234
About Rag Consulting:
RAG Consulting is an organization dedicated to helping clients with their healthcare insurance needs. Atay Ramirez, President and CEO of RAG Consulting has been helping clients for years in California. With a Master’s in Public Administration, Mr. Ramirez has been keeping up with all the state and federal laws that impact health insurance. As a certified Covered California Agent close to 2500 individuals were able to get affordable health insurance in 2014. This experience translates to an innovative process of enrolling into a Qualified Health Plan through California’s Health Exchange (Covered California) or directly with a health insurance carrier. Other services include the enrollment into Medicare Advantage plans as well as Vision and Dental plans.
RAG CONSULTING
ADDRESS: 49613 Harrison Street B-203A
Coachella, CA 92236
OFFICE: 760.398.1745
CELL: 760.578.7626
FAX: 760.398.1760
ragconsulting@yahoo.com
Why RAG Consulting?
RAG Consulting provides a professional, family oriented service from start to finish. It is very important to have a health plan advisor that will hold your hand through the enrollment process. At RAG Consulting we make sure that your application is received with all the necessary documents to approve your subsidy. After the application is approved we guide you on how to make your first month payment to insure you are covered. In 2014 one of the main reasons why people failed to get insurance was the fact that they did not fully completed the application or did not make the first month payment because of address errors or because the health plans failed to get the bills out on time. RAG Consulting insures that you receive your health insurance card and where applicable guides you on how to either remain with existing primary care doctor or will make recommendations based on experience.
What is Obamacare?
“Obamacare” is a popular name for the Patient Protection and Affordable Care Act since this health reform law was championed by President Barack Obama. While the legislation contained numerous changes to the American health insurance market, its principal aspirations were the reduction of the uninsured population and the lowering of health insurance premiums.
The law also contained a tax penalty on Americans who fail to get creditable insurance as well as requirements regarding the types of medical benefits that must be included in health insurance purchased by individuals and small groups. The law also contained a prohibition on insurance application rejections based on health status or pre-existing conditions and premium subsidies for those whose income qualified and whose premiums exceeded a set percentage of income.
Obamacare created new designs for health plans. These new health plans are sometimes referred to as "metal plans" since they are each named after a different type of metal (Bronze, Silver, Gold, and Platinum).
Metal Plans
The four new metal plans are distinguished from one another by their "actuarial value." Actuarial value refers to the average amount of insurance expenses that would be paid for by the plan. The higher the actuarial value of a plan, the lower the out-of-pocket costs for the plan member. With respect to the plan names, the more expensive the metal, the higher the actuarial value. For example, a Platinum Plan covers 90% of covered medical expenses while a Bronze Plan only covers 60%. There is an Enhanced Silver plan which coverage could be as high as 94% where the copay to see a doctor is $3. Let RAG Consulting help you find the best plan for you and your family.
FREE CONSULTATIONS TEL: 760.398.1745
The website is owned and maintained by [Atay Ramirez / Rag Consulting LLC], which is solely responsible for its content. This site is not maintained by or affiliated with Covered California, and Covered California bears no responsibility for its content. The e-mail addresses and telephone numbers that appear throughout this site belong to [Atay Ramirez / Rag Consulting LLC] and cannot be used to contact Covered California.”
