Health Insurance Sucks!So you are out getting some exercise walking in the neighborhood when a rogue dog starts chasing you. The dog’s owner calls him off but not before you trip and bang up your knee and ankle. As you trudge over to urgent care you feel ‘OK’ knowing you have health insurance. Then the bite, […]
California Health Insurance
Posts specifically related to California health insurance, enrollment, premiums, plans, termination, Covered California, Medi-Cal, Medicare, small groups.
Don’t Leave The House
One afternoon I was with my ‘Sales Leader’ working with a couple applying for health insurance, when I noticed that we were missing a document. I started to excuse myself to go out to the car and retrieve it. The ‘Sales Leader’ shot me a look, raised his hand and said in a whispered voice, […]
Medicare Melancholy
There is perhaps no consumer item as highly regulated in terms of product and marketing as health insurance for the 65+ year olds, also known as Medicare. The Center for Medicare and Medicaid (CMS) regulates marketing materials down to the size and type of font. All literature, advertising, marketing events, telephone scripts must be approved […]
Deductible Dilemma
Nothing causes as much consternation when reviewing health insurance quotes as the size of the deductible. Do you choose a high deductible to reduce your premium or select a low deductible to reduce your exposure to unexpected high medical costs? The deductible within any insurance policy serves a couple of purposes. First, you are shouldering […]
Health Insurance: Right, Privilege, or Luxury.
They had no health insurance until they qualified for Medicare at age 65. Medicare, or socialized medicine for some people, was a blessing to them with regular doctor visits and medication to ease their pains.
Christmas trees and health insurance.
When it comes to finding a health insurance plan, it is similar to going to a choose-n-cut farm to get a Christmas tree. Sure, the thought of having a good health insurance plan is as appealing as the warm glow of nicely decorated Christmas tree but there is a lot of work and anxiety involved. […]
What keeps me going…
This evening I had the joy and privilege of helping an immigrant family, with english as a second languange, buy health insurance for their son. It may sound odd, but it felt great to help this family navigate through the computer screens of the on-line application, explain all the features and benefits of the plan […]