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Affordable Care Act – Love it or Leave it?

This blog is not about politics, but rather attempts to address the facts as we know them. The biggest prizes in healthcare reform are 1) Coverage for people with pre-existing conditions and 2) Coverage for people that otherwise can't afford the premium. The reason...

Additional Income Stream from your Book of Business

If you have a book of business (whether you're an accountant, financial adviser, insurance agent, realtor, etc), you can very easily make additional income while helping (and retaining) your clients at the same time. 10,000 people turn 65 every day - so you...

The Best Way to Research Medicare

Let's face it - Medicare is daunting. There are so many rules, and it's difficult to know which of these rules apply to you. There are 3 basic ways you can go about getting informed: #1 - Do the research yourself.  Research is great, but in effect, you have to learn...

Short Term Health Insurance

Click to Visit Short-Term Website - Apply Online! Click for YouTube Video re: Short Term Insurance Is your health insurance too expensive? Do you need coverage but we're outside open enrollment? Here's a solution - you can purchase temporary health insurance which is...

How to Choose a Dental Plan

In choosing a dental plan, it's important to remember these basics... Dental PPO's generally have waiting periods before you can receive care (other than normal cleanings or simple fillings). You may have to wait 6 months to 1 year before getting major procedures such...

HMO – Should You Get One?

I've never been a huge fan of HMO's, but taking the Affordable Care Act into consideration, HMO's just moved up a notch. Why? Consider this... Under the ACA, provider networks have gotten very narrow, and many providers don't accept Mirrored Plans* or plans purchased...

What is a “Mirrored” Plan?

Has your provider ever told you "We don't accept 'Mirrored' plans?" Here's what that means. First, you must understand that you can buy a health insurance plan either directly from a carrier (such as Anthem, Blue Shield, Health Net, etc) or you can buy through Covered...

Online Provider Directories

It's very important that you confirm your providers are in your health insurance plan network when you buy your plan. Since there is now an Open Enrollment period, once Open Enrollment ends, you cannot change your plan - even if you discover that your provider is not...

Blue Shield Cancels Grandfathered Plans for 2017

Blue Shield has begun sending notices to 2,062 grandfathered plan subscribers to inform them that their current Blue Shield of California health plan will no longer be available after December 31, 2016. The plans affected include *Active Start, Vital Shield, and...

Traps to Avoid During Open Enrollment

Open Enrollment exists for a reason, but there are 2 significant traps that it causes. Why do I call them traps? Because if you fall in, you can’t get out. However, these traps can be avoided. Trap #1 – Doctors: If you have any doctors that you want or need to be able...