tobystark

About Toby Stark

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So far Toby Stark has created 36 entries.

New Jersey Healthcare Quality Institute

I am proud to be published in the bi – weekly business newsletter of the Quality Institute. We are entering the fourth quarter and the busiest time for brokers trying to assist individuals and employers enroll into appropriate medical plans for 2019. I was happy to be included in […]

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

Medicare for All?

Recently Sen. Bernie Sanders introduced a bill. Medicare for all. Problems solved right? Now everyone can have coverage see doctors and get everything paid for. Unfortunately the price tag on this is approximately 32.6 TRILLION over the first decade of offering. Even doubling taxes on everyone will not do […]

By |August 3rd, 2018|Categories: All||

Individuals Need Help too

Yes there is another medical insurance wave of increases coming with no end in sight. We are talking about the individual pre-65 year of age population. Those currently insured without subsidy assistance because they “make too much” will be faced with double digit increases. These individuals include contractors, sole-props, […]

By |July 20th, 2018|Categories: All||

Aging is there a limit?

I read this morning and interesting article full of facts and information in regards to pushing the envelope on aging. Can we make it past 125 years old? I can only think as a medical insurance broker what that would actually cost our country when we accomplish that feat […]

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

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||