We are approaching the end of open enrollment for individual medical insurance plans. With just about two weeks to go it is time to make a selection for 2019. Many of the carriers have had an across the board rate reduction which is great news to most consumers. If […]
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 […]
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 […]
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, […]
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 […]
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 […]
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 […]
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 […]
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 […]
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 […]