Understanding Health Care Reform


On 3/23/2010 President Obama signed the health care reform bill into law. While there are still differences that need to be reconciled between the various versions of the healthcare bill here is the timeline for the health care reform changes and how Obama’s health plan (“ObamaCare”) and health care reform affects you and your health insurance:

Health Care Reform: Changes Happening in 2010

  • Children age 26 and younger will be able to remain covered under their parents health insurance plans (this is increased from past age limits which were anywhere from age 22-25).
  • Medicare recipients will receive a $250 rebate to help in closing the “doughnut hole” (with the goal being to close the doughnut hole completely by 2020).
  • Health insurance companies will be banned from excluding coverage for pre-existing conditions for children.
  • Adults with pre-existing conditions will be eligible for coverage into high risk health insurance pools until future health care exchanges are up and running.
  • Health insurance companies will be prohibited from levying annual limits and lifetime limits on coverage.
  • All new health insurance plans must provide coverage for preventative services with no out of pocket cost (all health plans will be forced to comply by 2018).
  • Those companies that offer health benefits for early retirees ages 55 to 64 will receive assistance from a temporary reinsurance program.
  • All new health insurance plans will have to comply with new regulations that lay out an appeals process for when health insurance claims are denied.
  • Small businesses that employ less than 50 people are eligible for a tax credit equal to 35% of their health insurance premiums (this increases to 50% by 2014).

Health Care Reform: Changes Happening in 2011

  • Medicare will offer wellness visits for free one a year and personalized prevention plans. All new Medicare plans will offer preventative services with no out of pocket cost.
  • Seniors enrolled in Medicare Advantage or the Prescription Drug Plan will receive a 50% discount on brand name drugs immediately with additional prescription drug discounts to follow.
  • The current penalty tax of 10% on all distributions from a Health Savings Account before the age of 65 on nonqualified medical expenses will increase to 20%.
  • A small business alternative to a cafeteria plan will be presented so that small businesses can offer tax free benefits without having to deal with the administrative costs of a cafeteria plan.
  • Everyone earning more than $200,000 as an individual or $250,000 for those who file married filing jointly will have their Medicare payroll tax increased from the current 1.45% to 2.35%.

Health Care Reform: Changes Happening in 2013

  • A $2,500 annual cap will be placed on all contributions to flexible spending accounts (amount indexed for inflation each subsequent year).
  • The current tax deduction that employers receive for subsidizing the prescription drug costs of their employees who are eligible for Medicare Part D will be done away with.
  • A 2.9% excise tax on the sale of medical devices will be put into place. Certain common items like glasses, hearing aids, etc. are exempted from this tax.
  • The hospital insurance tax will increase .09% for those who earn more than $200,000 ($250,000 for those married filing jointly).
  • Additional requirements on health insurance companies to implement uniform standards for exchanging health care information, electronic communication, and other measures to reduce insurance company administrative costs.
  • The minimum threshold for being able to claim an itemized deduction for health care expenses increased from 7.5% to 10% of AGI although those over the age of 65 can stay at the 7.5% threshold through 2016.

Health Care Reform: Changes Happening in 2014

  • All US citizens will be forced to have health insurance coverage considered acceptable by the US Government or else pay a fine of $95 in 2014, $325 in 2015, $695 in 2016 (capped at 2.5% of AGI). All of the fines are per person per year except for families have a cap on the total fine of $2,250 and the fine amount for children is half of the adult fine.
  • Eligibility standards are implemented for newly formed health care exchanges.
    Businesses with 50 or more employees will face a fine of either $2,000 or $3,000 per employee for not offering health insurance coverage.
  • Group health insurance plans have a maximum waiting period of 90 days.
  • Health insurance companies are prohibited from using an individual’s health status to issue a policy or renew a policy.
  • All pre-existing conditions must be covered and higher health insurance rates cannot be levied because of health, gender, etc.
  • The eligibility standards for Medicaid will be changed to 133% of poverty for those who are not considered elderly.
  • New annual fees will be levied on all health insurance providers based on an insurance companies market share and whose total premiums exceed $25 million.

Health Care Reform: Changes Happening in 2018

  • The “Cadillac” health insurance plan tax will kick in. An excise tax will be levied on all employer provided health insurance plans costing more than $27,500 for families and $10,200 for individuals (with increased limits for those considered to be in “high risk” professions).

Dr. Afshine Emrani is a cardiologist who serves the residents of Tarzana, California, in addition to the greater Los Angeles area. At Los Angeles Heart Specialists, the doctor and his staff offer a variety of cardiology services including preventative care for heart disease, stress testing, treadmill testing, and treatment of many different kinds of health conditions including high blood pressure, high cholesterol, diabetes, thyroid disorders, and peripheral arterial disease. Dr. Emrani specializes in identifying biomarkers and other naturally occurring identifiers that help him treat heart disease in both men and women. He offers a wide variety of services to his patients including weight management plans, the control and maintenance of cholesterol levels, and nutritional plans geared towards a more heart-healthy lifestyle. An on-site lab makes testing quick and cost-effective.

Dr. Emrani attended the University of California, Los Angeles where he obtained his Bachelor of Science degree where he was inducted into the Biological Honors Society. He also attended the University of California, San Diego where he completed his medical degree. During that time, he participated in two sub-internships, one in Cardiology and the other in Intensive Care. He also worked at the Cedar Sinai Medical Center and completed an additional sub-internship infectious disease. An internship was also completed during the years he worked with the Veteran's Affairs Administration. While working at the Kaiser Permanente campus of the University of Southern California, Dr. Emrani earned a fellowship in the field of Cardiology.

With over 16 years experience, Dr. Emrani is a leader in his field. His knowledge of cutting-edge technology and the use of state-of-the-art diagnostic equipment allows him the privilege of offering his patients the best cardiac care possible. He continues his education on a regular basis by attending classes and seminars that allow him to stay abreast of the latest advancements in the field of cardiology and infectious diseases. His certification in both basic and advanced cardiac life support makes him one of the most prominent cardiologists in Southern California.

About LA Heart Specialists

At Los Angeles Heart Specialists with our integrative heart doctors, you will learn more about your health in one visit than you ever thought possible. Our comprehensive health evaluation enables you to make health and lifestyle decisions that will support your long-term wellness.

Through preventive care and early diagnosis, we can help you address any undetected health issues—and give you the peace of mind that can only come with a thorough picture of your health. Your introductory visit will require the most in-depth health exam, to establish your complete health status and individual profile. Subsequent visits with us will include only those tests appropriate to your personal medical history—to ensure your optimal long-term health and well-being.

We take pride in offering “concierge medicine” without the extra costs. Most urgent calls can be triaged and patients seen in a very timely manner. Whenever possible, we avoid invasive procedures as well as hospitalization. In fact, for the large volume of patients seen in our practice, we rarely admit to the hospital. This is the result of hard work and aggressive preventive measures that are oriented to keeping our patients healthy and independently functional.

Our Integrative Approach

• Customized Treatments Just for You

• Pharmaceutical and Nutraceutical Therapies

• Comprehensive Lab Testing 

Superior Care

• Comprehensive Health Evaluation

• Electronic Medical Records

• "Concierge Medicine" Without the Extra Costs

Healthy Patients

• 99% Patient Satisfaction Rate

• Industry-leading Customer Service

• Rated Top %5 Physicians in America

Visiting Hours

Walk-in consultations are available at the following times:

MON, TUE and THU: 8:30 AM - 5:00 PM
WED and FRI: 8:30 AM - 4:00 PM

All other times by appointment only.


The L.A.H.S. Executive Physical

If you are a CEO, CFO, or a very busy executive, then it is challenging for you to get your annual physical. At your convenience, LA Heart Specialists can provide you the full range of services on a cash basis - on Saturday or Sunday of your choice. The services include - the executive physical, comprehensive laboratory testing, lipid and nutritional analysis, pulmonary function testing, allergy testing, bone densitometry and a comprehensive cardiovascular stress test.

Your time is valuable. But so is your health. That’s why The L.A.H.S Executive Physical offers an efficiently organized and comprehensive set of examinations in just one day. Your health status will be thoroughly evaluated to determine a preventive health care program tailored to your individual needs.

This package is $2600 (less than a dental implant.)

Call now to schedule your Executive Physical. 818-996-4100.

Services include:

  • A thorough, extended physical examination with an internal medicine specialist whose focus is on disease prevention and/or women’s health
  • Comprehensive laboratory testing, including blood counts, chemistry panels to assess organ function, urinalysis, and cholesterol screening
  • Cardiovascular assessment, including electrocardiogram (ECG) and one or more of the following based on your doctors recommendations: cardiac stress echocardiogram, resting echocardiography, or advanced cardiovascular blood tests with carotid intima-medial thickness scanning, and Doppler flow peripheral vascular index testing
  • Pulmonary function testing
  • A comprehensive written report of the evaluation sent to your home (and your physician, upon request) Women’s health concerns
  • Osteoporosis testing (women over 40 years of age)
  • Prostate examination/Prostate Specific Antigen (PSA/free PSA) Screening
  • Referral for screening colonoscopy, mamography etc will be made as necessary.

The L.A.H.S. Check-Up

Busy executives, who face ever-increasing demands on their time, often find it difficult to take care of their health as conscientiously as they know they should. While it is well known that early detection of medical problems leads to better health outcomes, practicing good, preventive medicine can be a challenge when it means having to schedule multiple diagnostic exams and consultations.

University Executive Physical Program was designed to offer executives comprehensive examinations with a full battery of diagnostic tests scheduled in a single, coordinated visit. Our patients enjoy a level of service and convenience not available in most other programs because we own the equipment used for most diagnostic tests — there’s no need to waste time waiting in other medical offices for these services.

The University Executive Physical Program offers:

▪ Comprehensive examinations customized to the executive’s need
▪ Personal one-on-one attention from the physician
▪ Diagnostic tests performed right in the executive suite
▪ Convenient Westside location with easy access
▪ State-of-the-art technology
▪ Centralized billing

Live a healthy life: With our preventive medical checkups, we can help detect illness early on and treat it accordingly.

We offer the following preventive medical checkups:

▪ Routine health checkup
▪ Cancer prevention
▪ Cardiovascular
▪ Thyroid, arteries and heart
▪ Examination of metabolism and digestion
▪ Physical examination

Your health insurance policy may cover the cost of preventive medical checkups. Consult your insurance provider for further details.

Major Insurance Plans Accepted

We accept most major insurance plans | If you have any questions, please call our office | We are out of network for United Health Care | We do not accept Blue Shield

Our Team

We are here to help

  • Nolynne  Rodriguez
    Nolynne Rodriguez
    Certified Physician Coder
  • Susan  Khalily
    Susan Khalily
    Chief Laboratory Technician
  • Sean  Jabari
    Sean Jabari
    X-Ray Technologist, Bone Densitometry
  • Rita Amaro Wisotsky
    Rita Wisotsky
  • Tatyana  Slyusaranskaya
    Tatyana Slyusaranskaya
  • Jeffrey  Eskew
    Jeffrey Eskew
    Laboratory Technical Supervisor
  • Claudia  Brown
    Claudia Brown
    Onsite Office Manager


Los Angeles Heart Specialists
18370 Burbank Blvd., Suite 401
Tarzana, CA 91356
Phone: 818-996-4100
Fax: 818-996-0842

Office Hours

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