Helping More People to become Insured

In my professional life, I am a member of the National Association of  Health Underwriters (NAHU) the California Association of Health Underwriters (CAHU) and a local chapter, Golden Gate Association of Health Underwriters (GGAHU).  All of these organizations support  the health care reform, PPACA (Patient Protection and Affordable Care Act) in many ways.  We have great ideas on how the Affordable Care Act can be improved and of course we see a few problems with the Act as well.

Read the rest of this entry »


Maximus, the wellness program

Maximus the dogWhat is Maximus the wellness program?  I have to give you a little information before I identify this cool idea.  Just finished reading an article in California Broker magazine about Employer Wellness programs.  Wellness programs are designed to help employees become healthier and over time reducing the employer’s cost.  The design is more likely to help larger employers whose renewals are based on their specific plan, plan usage, and prescription drug cost.

Read the rest of this entry »


What’s all this stuff about ERISA?

What’s all this stuff about ERISA lately.  What the heck is it and how do I know if it applies to me?  That’s the $64 million question lately.  This is all thanks to …PPACA (Patient Protection and Affordable Care Act).

Read the rest of this entry »


Stepping over the Line with Alternative Health Ideas

This blog is a little off the beaten path, but I was so touched by this information I feel I have to share.  This morning I was on Facebook, looking at my friends and commenting on what they had posted.  My initial idea was to go to my friend Jennifer Allan‘s page and wish her a Happy Birthday.  My husband was sitting next to me in bed and I was showing him what our 16-year-old nephew was posting.  My husband, Jim, is not on Facebook so I was telling him about it.  I showed him how many friends Jennifer Allan has (260+) compared to my 64 friends and I noticed one of my friends changed her last name??  How could that be when I knew her wedding wasn’t planned until this coming October.

Read the rest of this entry »


Diet and Excercise can Control Health Care Costs-part 2

Diet and Exercise can Control Health Care Costs-part 2. I just can’t stay away from this subject. It’s my real passion (and you thought it was health insurance!)

Read the rest of this entry »


Diet and Exercise can Control Health Care Cost

Diet and Exercise can Control Health Care Cost.  I am positive this statement is true.  People who take care of themselves have less expensive costs when it comes to healthcare.  Take care of yourself and you will see your doctor less frequently, probably reduce medications you’re using, lose weight and sleep better at night.

Read the rest of this entry »


Have Pre-existing Conditions Gone Away?

Have pre-existing conditions gone away?  There seems to be a lot on confusion about pre-existing conditions.  The passing of the health care reform bill, PPACA (Patient Protection and Affordable Care Act) has caused a little confusion.  Truth be told, there are so many topics to be covered, I am a bit overwhelmed with the information myself!

Read the rest of this entry »


Knowing your Cost for Insurance is More than the Premium

Recently I presented a renewal to a client who at my suggestion wanted to look at alternate plan designs.  This client has the Kaiser $50 co-pay in place currently.  I always suggest looking at what else is out there just to make sure you’re aware of the options and current pricing.

Read the rest of this entry »


Changes for Spending Accounts in 2011

Here’s another change as a result of the Patient Protection and Affordable Care Act (PPACA).  This change affects Health Savings Accounts (HSA) and Flexible Spending Accounts (FSA) for 2011.

Read the rest of this entry »


Taxes for prescription drug plans

Do you remember the movie Network?  It was a while back, 1976, but I remember seeing it with my best friend, Sharon.  Sharon and I saw a lot of movies back then but this is one of those that really stuck in my memory. In the movie, Peter Finch plays a newsman who has been fired because his ratings are low. Read the rest of this entry »