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Notes from the Citrust fields
Insurance information can sound confusing to some. We scour the web to find the articles that are easy to read and understand.


Out & About
It's Open Enrollment season for Health Insurance and Medicare We're out and about in the community, assisting individuals & families with their Covered California and Medicare plans, and meeting with small business owners and their employees, to help folks understand their Employee Benefits and health insurance options for 2026. Medicare & Covered California Independent insurance broker Jonathan Edewards, the president of Citrust Insurance Agency in Los Angeles and Pasadena C


I'm New to Medicare. Do I need my card to enroll in a drug plan or Medigap?
Answer: No, but we do typically need your Medicare number . If you applied for Medicare Part A and Part B a few weeks ago, but still haven't yet received your Medicare card in the mail, here's how to find your new Medicare number Log into: my Social Security Account Sign In to your account at https://secure.ssa.gov/RIL to see the status of your Medicare application. If your Medicare application has been approved, click the PDF icon to "Print / Save a letter proving yo


Ambetter PPO or HMO: How to look up your doctors
Health Net's individual health insurance plans through Covered California How to pick the correct network from the online provider directory It's tricky! Here's a how-to guide. Search for your doctor at: https://findaprovider.healthnetcalifornia.com/location but as a guest, you have to select the correct network from the dropdown. There are 2 networks available in the state of California for Individual & Family Plans ("IFP") sold either directly by Health Net (ie "off-excha


Feb to Oct is "Locked-In" Season for individual Health Insurance.
Here are the special exceptions that may allow someone to enroll mid-year or make a plan change Qualifying Life Events This list is...


Feb to Oct is "Locked-In" Season for individual Health Insurance.
This list is applicable only to Individual & Family Plans ("IFP") in California offered directly through insurance companies such as Blue...


I own an S-Corp or LLC, can I set up Small Business Group Health Insurance Plan?
Maybe! A business can establish a small group health plan so long as they have: at least two households in the group that are either W2s or owners. Owners don't have to be W2s, and they don't need to be listed on a DE9C, the quarterly payroll tax report (but owners may need to provide proof of ownership). So, that means that a business with no employees but at least two owners (who aren’t married to one another) would be eligible for a small group plan. - YES . Or, a bus


Don't miss out on YOUR Medicare benefits
Medicare Advantage plans offer several benefits that can help improve your overall heath and lighten your wallet


What is "Hardening" in Insurance and how does it affect your home and auto insurance?
In addition to companies pulling out of California, renewing Insurance premiums have skyrocketd by 25% -45% on home and auto premiums...


LAPD unveils new state-of-the-art device to combat catalytic converter thefts
State Farm paid $36 million in catalytic converter theft claims in 2022, just in the state of California. That’s more than a 1300%...
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