tobystark

About Toby Stark

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So far Toby Stark has created 32 entries.

Medicare for All? The same as Single Payer?

Medicare for all. We have all heard this echoing from our nations capitol but the two are not the same. Medicare has both premiums and copay’s. Single Payer would “get rid” of those cost sharing features. Medicare also relies heavily on a lifetime of contributions to make this entitlement […]

By |May 23rd, 2018|Categories: All||

You get what you pay for

Medicare advantage plans are cheap! Sometimes there is no cost to them at all. Sound to good to be true? Usually is. Do you want to be concerned about co-pays, deductibles and networks? One minute your favorite doctor participates in your plan the next he or she doesn’t? Before […]

By |May 17th, 2018|Categories: All||

Volunteer because it is good!

Since I was very young my father introduced me to a local club called the Lions Club. I was able to see at a young age first hand what reaching out to the community and assisting those who need it most was like. Years went by and attending club […]

By |May 16th, 2018|Categories: All||

Medicare enrollment pitfalls

I see this everyday. An individual enrolls in Medicare and never needs the coverage. Then at some point they need care. The individual finds out that Medicare covers only 80%. What about the 20%? Well, then they think they can obtain a Medicare supplement policy. The individual finds out […]

By |May 1st, 2018|Categories: All||

Helicopter Parents?

If you are in the sandwich generation you know what I am talking about. Grown children that have children of their own but also are taking care of their parents. Who in most cases might be turning back into children themselves.

There is a fine line in being a helicopter […]

By |April 25th, 2018|Categories: All||

ACA being put back together piece by piece

The affordable care act is being pulled apart at the seems on capitol hill but many of the states are starting to implement working on keeping the ACA together. Here in NJ our government is working on passing the individual mandate for our residents even when the federal individual […]

By |April 16th, 2018|Categories: All||

Long Term Care Something to think about

Who is going to care for you? What does the care look like? How much stress is put on your family when a loved one needs to be cared for around the clock? There are many questions to think about when it comes to getting care at home or […]

By |April 12th, 2018|Categories: All||

The opioid crisis from an insurance perspective

A recent study from Kaiser shows an astonishing statistic that nearly 4 in 10 people that are addicted to opioids are covered by private insurance. The coverage costs for covering these addicitons jumped to 2.6 billion in 2016 vs 0.3B in 2004.

https://goo.gl/N3fi9j

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By |April 11th, 2018|Categories: All||

Smoking could increase your life insurance premium 7x

We all know it now, smoking is not good for your health. Looking to purchase a life insurance policy? If you smoke that is going to cost you. A non-smoker in good health might be able to obtain a $1,000,000 term policy for as little as $400 – $500 […]

By |March 30th, 2018|Categories: All||

Elderly in U.S. will outnumber children by 2035

Our parents talk about it all the time, getting older. Many questions face them. Are their finances in good order? Can they take care of themselves? If they need someone to care for them did they have the resources to pay or even go to a facility. Now is […]

By |March 28th, 2018|Categories: All||