It\’s an interesting study in how health care costs have changed. When Medicare was first created decades ago, there was no…that\’s right…NO coverage for out-patient prescriptions. That remained the case (outside of marginal coverage with Medigap plans) until Part D which is relatively recent. Medications have gone from a back-water concern to a critical driver […]

There was just a video clip which went viral about a high school basketball game where a slew of ridiculous fouls were carried out by the same player and all were way beyond the scope of accidental. The article went on to ask the question of why the refs didn\’t kick the player out (which […]

Most people think of the usual suspects when considering issues that might impact their ability to get term life insurance coverage. Diabetes, high blood pressure, cholesterol, you know. The issues that many if not most older adult American are dealing with. Mental health rarely comes up as a potential concern but unfortunately the term life […]

When you\’re picking a Medicare supplement insurance plan, it\’s a decision for years most likely. What if things change with your health or you move out of the area? Is the Medigap carrier going to drop you from the plan or make changes to your plan such as downgrading your benefits because of your change […]

We\’re anything but luddites when it comes to applying for California health insurance. We had online apps almost a decade ago and free online quoting a few years before then. We are so happy not to have to deal with the physical applications with their pages of confusing text and terminology. The online California health […]

We all knew those kids. There chance of reaching age 18 was 50/50 at best. Whether it was an intense fascination with fire and fireworks or some hair-brained stunt involving shopping carts and steep hill, things were probably not going to work out well. Call it a lack of fear and not in the t-shirt […]

Some people are just spazzy or as Flippo\’s wife likes to say, over-excitable.

Well into the mid-2000\’s (is there some snazzy way to describe that decade), HSA plans on the California health insurance market were pretty tough to beat. The market place broke down into 3 main categories: HMO\’s, traditional PPO\’s, and HSA plans. HMO\’s were on their fast ascent into inaffordability. PPO\’s were generally richer even for […]

Although the great recession has changed many of our retirement plans, traditionally this is the time when foreign travel becomes more popular. Health insurance has never been great about dealing with medical issues that arise during foreign travel but many seniors find themselves asking how Medicare and more importantly, Medicare supplements, treat foreign travel medical […]

If you\’re turning 65, odds are that you\’re tired of talking about age and could use a little less attention on that front. The usual comments from kids about age are played out. We understand. If you\’ll indulge us, there\’s one more instance we\’ll talk about age with a focus on Medicare supplement rates but […]