Life insurance is a key target for procrastination in life. Even if you have new financial obligations such as a new marriage, baby, or home, purchasing life insurance can still take a back seat to honeymoon, catching up on sleep, and Home Depot runs respectively. There are many reasons people put off buying life insurance […]

We wish we could say that we\’re entering a period of rate stability in the California health insurance market but unfortunately, it appears to be more rocky than ever and we only see this accelerating. Let\’s take a look at why this is the case and what you can do keep your costs down for […]

With all the various \”parts\” of Medicare and Medigap coverage, a common question is this, \”How much will pay for everything?\”.

It\’s important to understand how Medicare and Medigap plans will handle the ever increasing use of Skilled Nursing care. With the big push to move people from facility based care (think hospital during a surgery) to less intensive skilled nursing care either in a facility or at your home following such a surgery, we want […]

Over the last few years, the internet and its giants have thrown their hats into the ring of controlling local news online. There is no dominant winner yet and there may not be in this space for various reason. The other issue is the word \”control\” and what this means. Is there goal just to […]

It\’s hard to get excited about health insurance in California. We\’re constantly bombarded with bad news in the form of an ever-increasing cost structure which is the last thing any client or shopper wants to hear. Every now and then, there\’s actually something we can get excited about and the Blue Shield Vital Shield PPO […]

Co-insurance sounds like one of those terms that insurance execs came up with to just make the whole thing indecipherable. Throw in deductible and out of pocket max and you can tell the same execs were busy on that day. Medicare also uses the concept of co-insurance and it\’s actually one of the most important […]

Call it the law of unintended consequences applied to California health insurance by health reform. Some changes of course have been welcomed while others have made the market less flexible. One of the changes has do with effective dates for individual family California health insurance policies and what\’s allowed. The desired effective date is an […]

Think about your favorite parts of the high school basketball game. If you\’re team is so athletically inclined, there\’s the dunk. Always a crowd favorite. We have to include the block, a defensive show of force that delivers a mental blow as much as a physical one. Of course the steal and the sweet pass […]

Sometimes when you\’re going into new territory like California Medicare supplement insurance, it\’s important to take a step back and start with the basics. That\’s a good introduction to tackle the term deductible and find out how and where it applies with Medicare and California Medigap comparisons. The deductible is one of those key terms […]