Here are all the articles I wrote during March, 2015. I hope they're useful to you.

March 21st, 2015

Who’s the boss? You the boss?

Are you a small business of 2-50 employees?   I bet you want to stay competitive AND you want to help take care of your people.    Are you trying to offer incentives to your new hires such as health and dental insurance benefits (and be the coolest company in town)?

If you don’t have an HR department, The Insurance Mom will help you understand the options and get them started for you.   We’ll help you through the entire application process, educate you and your employees, and even help get new hires enrolled!

You worry about taking care of your people, we’ll worry about taking care of YOU.    AND The Insurance Mom has a great cookie recipe… it’ll make you the most popular person in the break room!…

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March 19th, 2015

Why we love John Oliver OR How to get a free lunch!

The Insurance Mom is a big fan of “Last Week Tonight” with John Oliver.   I thoroughly enjoyed his expose (which aired on 2/8/15) about the relationship between doctors and pharmaceutical companies.

The gist is this . . . it has been a long-time practice of pharmaceutical companies buying doctors lavish lunches, providing divine holidays, inviting them to be a brand ambassador, speaking at events, and paying the docs handsome sums.   It’s one thing to hand out free samples.  But some of these practices are bordering on bribery, false advertising and in the process, perhaps skewing the doctor’s medical practices towards the companies’ products.   John Oliver wondered why it is that some medical offices advertise a free lunch in their job postings.   Is it possibly because Big Pharma is footing the bill?!

Aren’t you curious about what your doctor is up to?   Here’s the website where you can see what kind of benefits your doctors may be receiving from Big Pharma.  Go to https://openpaymentsdata.cms.gov/ to find out more.…

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March 19th, 2015

Limited time only! Didn’t know about the tax penalty? Let’s get you health insurance

What’s Open Enrollment?  What’s a tax penalty!?    If you’re asking these questions, YOU NEED OUR HELP!

If you are uninsured and were unaware that there is a tax penalty for not having health insurance, give us a call!  We have until April 30th to get you on a new plan… Pronto!…

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March 4th, 2015

Pop Quiz! Did you study LTC?

Whether or not you’ve studied the articles in the last week on Long Term Care Insurance, The Insurance Mom has a pop quiz to see if you’re ready for Long Term Care Insurance!

 

Answer the following for yourself and your family, True or False:

I’m between the ages of 40-65 or I have parents in that age range.

We’re relatively healthy and have no major medical problems now.

We for sure don’t have an extra $90,000 for unexpected expenses should I (or my parents) need long term care in the future.

We’re not strong enough to fireman carry each other!

 

If these ring true for you or a family member, you should think about Long Term Care Insurance – TRUE!  Call The Insurance Mom and heave a sigh of relief!…

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March 2nd, 2015

Final of the LTC Study Series

Does Medicare cover long-term care expenses?  The answer may surprise you!  Let’s take a look back at a recent post on LTC to round out our LTC education . . .

There was an easy-to-read article in the LA Times about Long-Term Care Insurance which spelled it out very nicely.

If you haven’t given much thought to how you’d pay for long term care expenses, you’re not alone.    Most of us haven’t.   But, the BIG question is:   Would you be able to pay for someone to take care of you 24/7?

In California, today the average annual cost for long term care in your own home  is about $82,000.  Wow, that hurts!   If you cover your ass(ets) and get long-term care insurance, you’ll significantly reduce your costs.

So . . . DOES Medicare cover LTC?  No!     Does your health insurance cover LTC?   No!

Not a happy prospect.   We are all about protecting your money over here, so it may be time for you to start thinking about it, too.  Remember… the younger you are when you plan ahead the more you save.  The Insurance Mom only wants what’s best for her favorite people!

Educate yourself on the eye-opening details by reading the article here and contact The Insurance Mom for a chat about your future.  Mind your P’s and Q’s and you’ll be taken care of . . . long-term.

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