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We have split our website into NINE specialized sites to help you find the exact information you are  looking for. 

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Affordable Care Act - Obama's Plan - Summary & Introduction

• pdf.s/3590 - 1.pdf
• pdf.s/h r 4872 reconcilation act.pdf
• PPACA More Info
  • Dependent Definitions for Health Insurance
    • pdf.s/disabled.dependent.uhc.policy.pdf
    • pdf.s/regulations age 26.pdf
    • pdf.s/Ext Dep Cov to Age 26 Amended FAQ dtd 5-13.pdf
    • images/dependent.open.enrollment.gif
  • Medical Loss Ratio (MLR) under Health Care Reform
    • Health.Insurance.Law.Research/blue.shield.2.percent.refund.pdf
    • Government_publications/MedicalLossRatioSummary.UHC.pdf
    • pdf.s/sb_1163_bill_20100930_chaptered.pdf
  • CA Rate Regulation
    • PPACA/CA_PPACA/GUIDANCE_1163_TWO.ca_rate_regulation.guidance.pdf
  • MLR Rate Regulation
  • Exchanges - Health Care Reform - Get Quotes NOW - California
    • pdf.s/HELP Committee Amendments.pdf
    • pdf.s/health.insurance.exchange.sb_900_bill_20100930_chaptered.pdf
    • pdf.s/health.insurance.exchange.ab_1602_bill_20100930_chaptered.pdf
  • Grandfathering
  • Constitutionality of Health Care Reform
    • PPACA/Why the Mandate Is Constitutional - NY Rev Books - May 10, 2012.pdf
    • pdf.s/commonwealth.v.sebelius.health.care.reform.ruled.unconstitional.pdf
    • Government_publications/Individual_Mandates_mark_hall.pdf
  • Health Care Reform Repeal?
  • PPACA Resources
    • pdf.s/federal.benefits.law.changes.pdf
    • pdf.s/health.net.faq.health.reform.11.2010.ca_or_hcr_faq.pdf
    • images/obamas11.jpg
  • Actual Law
  • Summary of Benefits
  • Preventative Services
  • Essential Benefits
  • Annual & Lifetime Limits
  • Individual Mandate
• Pre-Existing Conditions and how to get coverage in California
  • pdf.s/pre.x.uhc.policy.pdf
  • pdf.s/bc_asking_md_if_there_are_pre_x.pdf
• Mental Health Parity AB 88 California Medical Insurance
  • Mental_Health_AB_88/Government.publications/mental.pdf
  • pdf.s/AB 88 asperbers Q & A.pdf
  • pdf.s/mhp_research.pdf
  • Disabled Children - can stay on parent's health policy indefinately
    • pdf.s/ab_910_bill_20071013_chaptered.pdf
    • Code 10277 Right of Disabled Child to stay on Parents Health Insurance
  • Mental Health Resources - Los Angeles County & National
    • images/mental2.jpg
  • Mental Health Educational Information and Links
  • Federal Mental Health Parity Medical Insurance
  • Meds -Medications Commonly used in Mental Health
  • Conservatorship
    • Mental_Health_AB_88/Government.publications/handbook.for.conservators.pdf
    • Mental_Health_AB_88/Government.publications/LPSConservatorshipPhamplet1.pdf
    • Mental_Health_AB_88/Government.publications/LPS-AGuidetoAB1424-Law.pdf
    • Mental_Health_AB_88/Government.publications/LPS Conservatorship Phamplet1.docx
    • Mental_Health_AB_88/Government.publications/LPS-A Guide to AB 1424-Law.docx
    • Mental_Health_AB_88/Government.publications/LPS California Welfare Institute Act 5358.docx
    • Mental_Health_AB_88/Government.publications/LPS Court Notification of LPS Treatment.docx
• Misstatements - how critical are they in a Health Insurance Application
  • pdf.s/bc_recession.pdf
  • Disclosure - What is required to be put down on an Insurance Application
    • Hadland v NN Investors - Recission of Coverage
      • pdf.s/nase_attorney_letter.pdf
    • Fioretti v Mass General
  • Fraud in Life and Health Insurance
  • Investigation?
    • wrong_info/authorization.to.disclose.pdf
    • wrong_info/information.practises.pdf
  • Rescission
• Workers Compensation California - General Information and purchase referrals
• Dictionary Medical and Health Insurance
  • images/dictio3.gif
  • pdf.s/westlaw_1163_qualifying_event.pdf
• Grievance - Life, Health, HMO & PPO
  • pdf.s/no_nanme_appeal_letter.pdf
  • pdf.s/appeal_s_f.pdf
  • pdf.s/sample_letter_claims_tenet.pdf
  • pdf.s/HIPAA.Research.63.days.duty.of.carrier.to.notify.pdf
  • Medical Necessity - What must be done to have a procedure covered
    • pdf.s/wic_medical_necessity.pdf
• Miscellaneous Coverages
  • Universal Care - purchased by Health Net
  • Cancer, Hospital Indemnity Supplemental Insurance
  • Medical Expense Reimbursement HRA Section 105
  • Legislative History Affordable Health Care Act
    • pdf.s/3 step worksheet tax creidt.pdf
  • Purchase - Consulting
  • Late Enrollee - Group Medical Insurance
  • Pac Advantage
• FAQ's Health Insurance
  • Domestic Partner - Qualify for Health Insurance California
  • Lab Fees
  • Infertility must be offered as an option in Group Health Insurance
    • Infertility Medical Insurance Availability?
      • pdf.s/infertility/excerpt.infertiliyt.word.brown.CA_HPRG_4.2012.pdf
      • pdf.s/infertility/$15 Copayment Plan.pdf
      • pdf.s/infertility/kaiser.exclusions.pdf
  • Research & Legal Tools for Health Insurance
    • Links
      • images/National Underwriter Online Store Product '2004 Tax Facts on Insurance & Employee Benefits (formerly Tax Facts 1)'1.gif
  • Women's Health Insurance Rights Cancer
  • Family Leave Act - California and Federal
  • San Francisco Health Care Ordinance - Buy Insurance of pay penalty?
  • Right to view full policy EOC before purchasing Insurance
  • Orthotics - coverage must be offered in Health Insurance California
  • EOB Deciphered - How to read an explanation of benefits
    • pdf.s/brohcure_clarifications.pdf
    • pdf.s/Technical_Coverage_Explanations_Comparisons.pdf
  • Employer Investment - Presentisim
  • Health Insurance Law FAQ's California Steve Shorr Insurance
  • Cochlear Implants - Covered by Group Health Insurance?
  • Medical Bankruptcy - high medical bills forcing one to go broke
  • Employee Retirement Income Security Act — ERISA
  • Dual Coverage What happens if you have two medical policies?
    • pdf.s/dual.coveage.uhc.pdf
    • pdf.s/ccr_coordiation_of_benefits.pdf
• Resources
  • Federal Regulations
• Site Map
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