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	<title>Walter Ray Holt &#187; plans</title>
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	<link>http://www.walterrayholt.com</link>
	<description>California Health Insurance Agent</description>
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		<title>Short Term Health Insurance from Assurant</title>
		<link>http://www.walterrayholt.com/2012/01/short-term-health-insurance-from-assurant/</link>
		<comments>http://www.walterrayholt.com/2012/01/short-term-health-insurance-from-assurant/#comments</comments>
		<pubDate>Sat, 07 Jan 2012 18:32:09 +0000</pubDate>
		<dc:creator>administrator</dc:creator>
				<category><![CDATA[Short Term Health Insurance]]></category>
		<category><![CDATA[assurant health]]></category>
		<category><![CDATA[health]]></category>
		<category><![CDATA[insurance]]></category>
		<category><![CDATA[plans]]></category>
		<category><![CDATA[short term]]></category>
		<category><![CDATA[temporary]]></category>

		<guid isPermaLink="false">http://www.walterrayholt.com/?p=176</guid>
		<description><![CDATA[Between jobs? Waiting for employer benefits to kick in? Currently a temp or seasonal employee? Did you recently graduate from college and no longer under your parent&#8217;s health plan?
These are one of many reasons why you may need an Assurant Health short term medical insurance plan. Sudden illnesses and accidents can lead to large medical [...]]]></description>
			<content:encoded><![CDATA[<h2>Between jobs? Waiting for employer benefits to kick in? Currently a temp or seasonal employee? Did you recently graduate from college and no longer under your parent&#8217;s health plan?</h2>
<div id="_mcePaste">These are one of many reasons why you may need an Assurant Health short term medical insurance plan. Sudden illnesses and accidents can lead to large medical bills. Keep your financial future safe at a price you can afford with Short Term Medical temporary insurance. Coverage starts the day after you apply and you may keep your own doctors.</div>
<p>Between jobs? Waiting for employer benefits to kick in? Currently a temp or seasonal employee? Did you recently graduate from college and no longer under your parent&#8217;s health plan?<br />
These are one of many reasons why you may need an Assurant Health short term medical insurance plan. Sudden illnesses and accidents can lead to large medical bills. Keep your financial future safe at a price you can afford with Short Term Medical temporary insurance. Coverage starts the day after you apply and you may keep your own doctors.</p>
<p><img class="alignnone size-full wp-image-64" title="assurant-125" src="http://www.walterrayholt.com/wp-content/uploads/2010/03/assurant-125.png" alt="" width="125" height="125" /></p>
]]></content:encoded>
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		<item>
		<title>Aetna Advantage Plan for Individuals</title>
		<link>http://www.walterrayholt.com/2011/12/aetna-advantage-plan-for-individuals/</link>
		<comments>http://www.walterrayholt.com/2011/12/aetna-advantage-plan-for-individuals/#comments</comments>
		<pubDate>Sun, 11 Dec 2011 18:23:02 +0000</pubDate>
		<dc:creator>administrator</dc:creator>
				<category><![CDATA[Aetna]]></category>
		<category><![CDATA[advantage]]></category>
		<category><![CDATA[affordable]]></category>
		<category><![CDATA[families]]></category>
		<category><![CDATA[health]]></category>
		<category><![CDATA[individuals]]></category>
		<category><![CDATA[insurance]]></category>
		<category><![CDATA[plans]]></category>
		<category><![CDATA[quality]]></category>
		<category><![CDATA[self-employed]]></category>

		<guid isPermaLink="false">http://www.walterrayholt.com/?p=159</guid>
		<description><![CDATA[If you live in California and are looking for a health plan that fits your needs you may want to take a look at the Aetna Advantage Plans for individuals, families, and the self-employed.
Aetna Advantage Plans offer some of the best choices and value to help meet your health coverage needs. We can help you [...]]]></description>
			<content:encoded><![CDATA[<h2>If you live in California and are looking for a health plan that fits your needs you may want to take a look at the Aetna Advantage Plans for individuals, families, and the self-employed.</h2>
<p>Aetna Advantage Plans offer some of the best choices and value to help meet your health coverage needs. We can help you choose an affordable health insurance coverage from Aetna. <a title="See Plans &amp; Pricing for Aetna Advantage" href="https://www51.aetna.com/iqs/cp/ipsRedirect.do?action=viewBrokerLink&amp;bid=RNNC7%2bt8Gm4%3d&amp;LoggedInUserId=RNNC7%2bt8Gm4%3d&amp;ipsRole=b7K7%2f97acLo%3d" target="_blank">See Plans &amp; Pricing for Aetna Advantage</a><br />
<img class="alignnone" title="Aetna Logo" src="http://www.walterrayholt.com/wp-content/uploads/2010/03/aetna-125.png" alt="Aetna Advantage Health Plans" width="125" height="125" /></p>
<h3>Affordable quality &amp; choices</h3>
<p>Choose from a wide range of health insurance plans that offer excellent quality. Aetna Advantage plans are designed for maximum value, with lower monthly premiums, plus benefits for preventive care.You can choose how much to spend in premiums versus out-of-pocket expenses.</p>
<h3>Robust coverage,competitive costs</h3>
<p>Aetna offer plans with valuable featureswhich may include: An excellent combination of quality coverage and competitively priced premiums.  The freedom to see doctors whenever you need to, with no referrals needed. Coverage for preventive care, prescription drugs, doctor visits and hospitalization.  No deductible for well-women exams when you visit a network provider.  No claim forms to fill out when youuse a network provider.  Aetna’s nationwide provider network offers you a vast selection of licensed physicians and hospitals.</p>
<h3>Family Coverage</h3>
<p>Apply for coverage for yourself, your spouse, and children, or even just your children. Coverage can include prescription drugs, doctor visits, hospitalization and preventive care services.</p>
<h3>Tax Advantages</h3>
<p>Aetna also offer High Deductible plans thatare compatible with tax-advantaged Health Savings Accounts (HSAs). You can contribute money to your HSA tax-free. That money earns interest tax-free. And qualified withdrawals for medical expenses are tax-free, too.</p>
<h3>Coverage when you travel</h3>
<p>Like to travel? You have access to covered services from a nation wide network of doctors and hospitals that accept Aetna’s negotiated fees.</p>
]]></content:encoded>
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		<item>
		<title>New Initiative Addresses Dependent Coverage Gap</title>
		<link>http://www.walterrayholt.com/2010/04/new-initiative-addresses-dependent-coverage-gap/</link>
		<comments>http://www.walterrayholt.com/2010/04/new-initiative-addresses-dependent-coverage-gap/#comments</comments>
		<pubDate>Thu, 22 Apr 2010 18:51:31 +0000</pubDate>
		<dc:creator>administrator</dc:creator>
				<category><![CDATA[Anthem Blue Cross]]></category>
		<category><![CDATA[benefits]]></category>
		<category><![CDATA[children]]></category>
		<category><![CDATA[coverage]]></category>
		<category><![CDATA[dependents]]></category>
		<category><![CDATA[extended]]></category>
		<category><![CDATA[health]]></category>
		<category><![CDATA[health care]]></category>
		<category><![CDATA[individual]]></category>
		<category><![CDATA[insurance]]></category>
		<category><![CDATA[plans]]></category>
		<category><![CDATA[policies]]></category>
		<category><![CDATA[reform]]></category>
		<category><![CDATA[student]]></category>

		<guid isPermaLink="false">http://www.walterrayholt.com/?p=103</guid>
		<description><![CDATA[Just announced: New initiative addresses dependent coverage gap, helps parents keep their adult children covered.
It was announced earlier this week that our parent company is taking steps to prevent a gap in coverage that could leave many young Americans uninsured.
Each year in June, many young people &#8211; because of their age, student status or other [...]]]></description>
			<content:encoded><![CDATA[<h2>Just announced: New initiative addresses dependent coverage gap, helps parents keep their adult children covered.</h2>
<p>It was announced earlier this week that our parent company is taking steps to prevent a gap in coverage that could leave many young Americans uninsured.</p>
<p>Each year in June, many young people &#8211; because of their age, student status or other factors &#8211; become ineligible as dependents on their parents&#8217; insurance policies. Health care reform legislation, signed into law last month, will extend dependent coverage to age 26 for plan years beginning September 23, 2010. While this is great news, it also means that many members would face a coverage gap during the months before this provision is fully implemented.</p>
<p><span id="more-103"></span></p>
<p>To help these members, we&#8217;re working, in collaboration with the U.S. Department of Health and Human Services and state regulators, to allow young men and women to remain on their parents&#8217; group and individual health policies even before this health care reform provision takes effect. Beginning June 1, we will continue to provide health benefits to those dependents that would otherwise lose coverage because of their age, student status or other factors during the gap period between June 1, 2010, and the September 23, 2010, effective date. This extension of coverage will not be retroactive, however, for those who have dependents who aged out prior to June 1, 2010. Those individuals will be able to add their dependents back onto their policies with the new plan year beginning on or after September 23 in accordance with the new law.</p>
<p>Our ASO, and any fully or partially self-funded accounts over 100 lives, will have the option of not offering this extended coverage. We will work with these groups individually to ensure their needs and the needs of their employees continue to be met. We&#8217;re developing additional information that will help these groups opt out, if they choose to.</p>
<p>Some states already have provisions that allow for dependents up to the age of 26 to be included on their parents&#8217; policy. However, in many states this new coverage will allow for many more dependents to remain on their parents&#8217; policies, so we will provide additional details regarding how this decision coordinates with state mandates and dependent coverage in future communications.</p>
<p>As with every subsidiary of our parent company, it&#8217;s our priority to protect access to health benefits for our members. We believe this initiative will help do this, while giving our members the chance to get even more from health care reform. For details, please take a look at this <a title="Extension of Dependent Benefits Frequently Asked Questions" href="http://click.email.anthem.com/?ju=fe2116767d610274741776&amp;ls=fdf91d727167057977127270&amp;m=feff1074766104&amp;l=fe56157673670d757017&amp;s=fe24157773610c7d711375&amp;jb=ffcf14&amp;t=" target="_blank">Q&amp;A</a> and <a title="WellPoint Announces Plan to Extend Health Care Coverage" href="http://click.email.anthem.com/?ju=fe2016767d610274741777&amp;ls=fdf91d727167057977127270&amp;m=feff1074766104&amp;l=fe56157673670d757017&amp;s=fe24157773610c7d711375&amp;jb=ffcf14&amp;t=" target="_blank">news release</a>. You can also expect more information as it becomes available.</p>
]]></content:encoded>
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		<slash:comments>6</slash:comments>
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		<item>
		<title>Health Insurance Fresno</title>
		<link>http://www.walterrayholt.com/2010/02/health-insurance-fresno/</link>
		<comments>http://www.walterrayholt.com/2010/02/health-insurance-fresno/#comments</comments>
		<pubDate>Sat, 20 Feb 2010 05:25:52 +0000</pubDate>
		<dc:creator>administrator</dc:creator>
				<category><![CDATA[Individual & Family]]></category>
		<category><![CDATA[Small Business]]></category>
		<category><![CDATA[agents]]></category>
		<category><![CDATA[california]]></category>
		<category><![CDATA[coverage]]></category>
		<category><![CDATA[employer]]></category>
		<category><![CDATA[family]]></category>
		<category><![CDATA[fresno]]></category>
		<category><![CDATA[group]]></category>
		<category><![CDATA[health]]></category>
		<category><![CDATA[healthcare]]></category>
		<category><![CDATA[individual]]></category>
		<category><![CDATA[insurance]]></category>
		<category><![CDATA[plans]]></category>
		<category><![CDATA[provider]]></category>

		<guid isPermaLink="false">http://www.walterrayholt.com/?p=55</guid>
		<description><![CDATA[Group, Individual &#38; Family Health Insurance and medical coverage for Residents of Fresno, CA
Selecting the best medical plan or health insurance is significant, not only to your physical health but also to your economic well-being. Walter Ray Holt Insurance Services provide a comprehensive assortment of health plan solutions to Fresno residents.
Types of California Health Insurance [...]]]></description>
			<content:encoded><![CDATA[<h2>Group, Individual &amp; Family Health Insurance and medical coverage for Residents of Fresno, CA</h2>
<p>Selecting the best medical plan or health insurance is significant, not only to your physical health but also to your economic well-being. Walter Ray Holt Insurance Services provide a comprehensive assortment of health plan solutions to Fresno residents.</p>
<p>Types of California Health Insurance and healthcare plans we provide:</p>
<ul>
<li> Individual Health Plans</li>
<li>Family Health Plans</li>
<li>Group Health Plans for Small Business Owners (2-50 employees)</li>
</ul>
<p>Contact us today to get detailed information pertaining to health coverage, dental coverage and life insurance options for your Small Business; Find out more about healthcare professionals, pharmacies and insurance agents in Fresno; and Apply Online for individual &amp; family health plans.</p>
]]></content:encoded>
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		<slash:comments>0</slash:comments>
		</item>
		<item>
		<title>Individual &amp; Family Health Plans</title>
		<link>http://www.walterrayholt.com/2010/02/individual-family-health-plans/</link>
		<comments>http://www.walterrayholt.com/2010/02/individual-family-health-plans/#comments</comments>
		<pubDate>Sun, 07 Feb 2010 00:28:46 +0000</pubDate>
		<dc:creator>administrator</dc:creator>
				<category><![CDATA[Individual & Family]]></category>
		<category><![CDATA[california]]></category>
		<category><![CDATA[health]]></category>
		<category><![CDATA[individual]]></category>
		<category><![CDATA[insurance]]></category>
		<category><![CDATA[medical]]></category>
		<category><![CDATA[plans]]></category>
		<category><![CDATA[quotes]]></category>

		<guid isPermaLink="false">http://walterrayholt.holtis.com/?p=25</guid>
		<description><![CDATA[New plans designed for individuals and families. Apply Online.

Self-employed or not covered under your employer&#8217;s plan?
Not satisfied with your employer offered plans, or would like additional family coverage?
Seeking additional protection from an unexpected accident or illness?
Are not covered by any other health plans including Medicare?
Are  you no longer a dependent on your parent&#8217;s plan [...]]]></description>
			<content:encoded><![CDATA[<h3>New plans designed for individuals and families. Apply Online.</h3>
<ul>
<li>Self-employed or not covered under your employer&#8217;s plan?</li>
<li>Not satisfied with your employer offered plans, or would like additional family coverage?</li>
<li>Seeking additional protection from an unexpected accident or illness?</li>
<li>Are not covered by any other health plans including Medicare?</li>
<li>Are  you no longer a dependent on your parent&#8217;s plan because of age or no longer in school?</li>
</ul>
<p>These are a few reasons why you may consider purchasing individual health insurance.</p>
<p><a href="https://caquote.healthconnectsystems.com/IFP/Default.aspx?UserCode=132416" target="_blank"> <img src="http://www.shopyourowninsurance.com/images/btn_signup_large.png" alt="See Health Plans &amp; Pricing" /></a></p>
]]></content:encoded>
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		</item>
		<item>
		<title>Top Selling Anthem Individual &amp; Family Plans</title>
		<link>http://www.walterrayholt.com/2010/02/top-selling-anthem-individual-family-plans/</link>
		<comments>http://www.walterrayholt.com/2010/02/top-selling-anthem-individual-family-plans/#comments</comments>
		<pubDate>Sat, 06 Feb 2010 01:17:02 +0000</pubDate>
		<dc:creator>administrator</dc:creator>
				<category><![CDATA[Anthem Blue Cross]]></category>
		<category><![CDATA[Individual & Family]]></category>
		<category><![CDATA[affordable]]></category>
		<category><![CDATA[anthem]]></category>
		<category><![CDATA[apply online]]></category>
		<category><![CDATA[basic ppo]]></category>
		<category><![CDATA[blue cross]]></category>
		<category><![CDATA[california]]></category>
		<category><![CDATA[coverage]]></category>
		<category><![CDATA[dental]]></category>
		<category><![CDATA[family]]></category>
		<category><![CDATA[health]]></category>
		<category><![CDATA[HMO]]></category>
		<category><![CDATA[HSA compatible]]></category>
		<category><![CDATA[individual]]></category>
		<category><![CDATA[insurance]]></category>
		<category><![CDATA[lumenos]]></category>
		<category><![CDATA[medical]]></category>
		<category><![CDATA[plans]]></category>
		<category><![CDATA[prices]]></category>
		<category><![CDATA[quotes]]></category>
		<category><![CDATA[right plan]]></category>
		<category><![CDATA[selling]]></category>
		<category><![CDATA[share]]></category>
		<category><![CDATA[smart sense]]></category>
		<category><![CDATA[tonik]]></category>
		<category><![CDATA[top]]></category>

		<guid isPermaLink="false">http://walterrayholt.holtis.com/?p=44</guid>
		<description><![CDATA[
If you are trying to find an individual health plan from Anthem look no further. Here are the most popular plans at an affordable price and providing great coverage.



Anthem Blue Cross SmartSense 1500 w/Gen RX
Reliable, basic protection with some of our lowest monthly
rates. Choose the annual deductible/monthly rate combination
that works for you. Immediate benefits for [...]]]></description>
			<content:encoded><![CDATA[<div>
<h2>If you are trying to find an individual health plan from Anthem look no further. Here are the most popular plans at an affordable price and providing great coverage.</h2>
</div>
<div id="plans">
<div class="plan">
<h3>Anthem Blue Cross SmartSense 1500 w/Gen RX</h3>
<p>Reliable, basic protection with some of our lowest monthly<br />
rates. Choose the annual deductible/monthly rate combination<br />
that works for you. Immediate benefits for the first three visits<br />
to a doctor. Your choice of prescription drug benefits, Comprehensive<br />
RX or Generic RX. Health plan that pays up to $7,000,000 per<br />
member in lifetime benefits.<br />
<a href="https://pd.secure.anthem.com/AgentConnect/gen/link.htm?linkid=hY_aMmi5y1uOLD1jG5zsuh2200975464323"><br />
Apply Online</a></p>
</div>
<div>
<h3>Tonik: Calculated Risk Taker (Anthem Blue Cross 1500)</h3>
<p>This plan provides great all-around coverage—preventive,<br />
emergency, prescription, eyes and teeth (but no maternity coverage)—with<br />
affordable premiums and a choice of three different copay and<br />
deductible combinations to suit your lifestyle, risk factors<br />
and budget.<br />
<a href="https://pd.secure.anthem.com/AgentConnect/gen/link.htm?linkid=hY_aMmi5y1uOLD1jG5zsuh22009754253413"><br />
Apply Online</a></p>
</div>
<div class="plan">
<h3>Anthem Blue Cross Share 5000</h3>
<p>This plan offers comprehensive health care services with<br />
significant in-network savings and the freedom to choose doctors<br />
and specialists out of network, with shared risk for lower premiums.<br />
You pay no deductible for office visits, covered preventive<br />
care or generic drugs.<br />
<a href="https://pd.secure.anthem.com/AgentConnect/gen/link.htm?linkid=hY_aMmi5y1uOLD1jG5zsuh2200975464323"><br />
Apply Online</a></p>
</div>
<div>
<h3>Anthem Blue Cross Share 5000</h3>
<p>This plan offers comprehensive health care services with<br />
significant in-network savings and the freedom to choose doctors<br />
and specialists out of network, with shared risk for lower premiums.<br />
You pay no deductible for office visits, covered preventive<br />
care or generic drugs.<br />
<a href="https://pd.secure.anthem.com/AgentConnect/gen/link.htm?linkid=hY_aMmi5y1uOLD1jG5zsuh2200975464323"><br />
Apply Online</a></p>
</div>
<div class="plan">
<h3>Anthem Blue Cross Basic PPO 2500</h3>
<p>This basic plan offers the security of in-hospital and surgical<br />
coverage to protect you against financial losses due to unexpected<br />
illness or injury. Note, to keep cost down, this plan does not<br />
include maternity benefits and coverage for professional services<br />
is limited.<br />
<a href="https://pd.secure.anthem.com/AgentConnect/gen/link.htm?linkid=hY_aMmi5y1uOLD1jG5zsuh2200975464323"><br />
Apply Online</a></p>
</div>
<div>
<h3>Anthem Blue Cross RightPlan PPO 40-Generic Rx</h3>
<p>This plan allows you to pay just a $15 copay for generic<br />
drugs from our Generic Rx Formulary. It also provides access<br />
to over 50,000 California network doctors and specialists and<br />
over 400 hospitals – so you’re covered just about anywhere.<br />
Significant savings for you – because we’ve negotiated lower<br />
fees with our network doctors and hospitals, your share of costs<br />
is less while paying your coinsurance. You&#8217;ll also get out-of-state<br />
coverage that allows you to use your plan’s benefits when traveling.</p>
<p><a href="https://pd.secure.anthem.com/AgentConnect/gen/link.htm?linkid=hY_aMmi5y1uOLD1jG5zsuh2200975464323"><br />
Apply Online</a></p>
</div>
<div class="plan">
<h3>Anthem Blue Cross PPO 3500 (HSA-Compatible)</h3>
<p>This plan provides 100% coverage for most services after<br />
your deductible is met, with highly affordable monthly premiums,<br />
and qualifies as a high deductible plan if you wish to set up<br />
a Health Savings Account (HSA). Note it does not include maternity<br />
coverage.<br />
<a href="https://pd.secure.anthem.com/AgentConnect/gen/link.htm?linkid=hY_aMmi5y1uOLD1jG5zsuh2200975464323"><br />
Apply Online</a></p>
</div>
<div>
<h3>Anthem Blue Cross Select HMO</h3>
<p>This plan combines maximum savings with maximum healthcare<br />
coverage through the Select HMO network. Featuring low premiums<br />
and out-of-pocket costs, this plan offers no deductible and<br />
unlimited lifetime benefits for covered services, maternity<br />
benefits, and just a $25 copayment for office visits. Available<br />
in 22 California counties.<br />
<a href="https://pd.secure.anthem.com/AgentConnect/gen/link.htm?linkid=hY_aMmi5y1uOLD1jG5zsuh2200975464323"><br />
Apply Online</a></p>
</div>
<div class="plan">
<h3>Anthem Blue Cross Individual Lumenos HSA 5000</h3>
<p>This plan offers you a Health Savings Account compatible<br />
plan to work alongside an HSA that can be funded by your own<br />
pre-tax contributions. It also includes a Traditional Health<br />
Coverage component-similar to a typical health plan-which helps<br />
protect you against further health expenses.<br />
<a href="https://pd.secure.anthem.com/AgentConnect/gen/link.htm?linkid=hY_aMmi5y1uOLD1jG5zsuh2200975464323"><br />
Apply Online</a></p>
</div>
<div>
<h3>Lumenos HSA 1500 (Without Maternity Coverage)</h3>
<p>This plan offers you a Health Savings Account compatible<br />
plan to work alongside an HSA that can be funded by your own<br />
pre-tax contributions. It also includes a Traditional Health<br />
Coverage component-similar to a typical health plan-which helps<br />
protect you against further health expenses.<br />
<a href="https://pd.secure.anthem.com/AgentConnect/gen/link.htm?linkid=hY_aMmi5y1uOLD1jG5zsuh2200975464323"><br />
Apply Online</a></p>
</div>
<div>
<p><strong>Don&#8217;t Forget Dental and Life Coverage</strong>. Consider<br />
adding dental and life coverage when you apply for a medical<br />
plan. It&#8217;s easy to select these options when you apply online</p>
</div>
</div>
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