top of page
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.


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%...


Jonathan & Edsel proudly present: Medicare 101 @ Being Alive LA
Exploring and understanding the world of Medicare can be confusing. The Citrust Team aka Jonathan Edewards and Edsel Dsouza went on the...


How to talk to your doctor - info to bring to an appointment and follow up questions to ask
Even though you may be experienced and comfortable talking to your doctor or you sometimes are not sure how to get the most of your...


He visited the U.S. for his daughter's wedding — and left with a $42,000 medical bill
As travel has now returned to almost pre-pandemic levels, it's important to remember to protect yourself and your loved ones from...


Virtual or In Person: Which Kind of Doctor’s Visit Is Better, And When It Matters
By Michelle Andrews MARCH 6, 2023 When the covid-19 pandemic swept the country in early 2020 and emptied doctors’ offices nationwide,...


FORBES: These Are The Best Employee Benefits In 2023
"Employees will always take more money if you offer it. But pay alone isn’t necessarily all it takes to attract and keep good employees....


"Covered California’s insurance deals range from ‘no-brainer’ to sticker shock"
"I call it the no-brainer plan," says Edsel D'souza, a partner at the Citrust Insurance Agency in Culver City. "When people hear about...


Raising Awareness #2 ... Summer Recipe included :)
Earlier this spring, Edsel participated in American Cancer Society's Food and submitted a recipe that he created last summer after he...


NEWS: American Rescue Plan boosts Covered California subsidies
In the latest TEAFLIX episode with Angie & Ruth McCartney of McCartney Multimedia, We discuss how new laws/legislation are affecting...


TEAFLIX!
This video is a little interview that Ruth & Angie McCartney filmed with us shortly after Christmas... Ruth & Angie are always lots of...


Is It Okay to Rent? | PBS Two Cents
I love this series of 7-minute videos from PBS. In this episode, the "Two Cents" team talks about renting vs. buying a home. If your...


The Ugly Truth About Airline Miles | PBS Two Cents
A few years ago I found a credit card that put "cash back" into an IRA, and every time I stood at the cashier I told myself that I was...


Getting the most out of your Health Insurance Plan in 2020
" If you’re not reaping all the rewards you can, you could actually be paying out much more than you need to for your healthcare "...
bottom of page

