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

April 29th, 2015

The Insurance Mom is on KPCC!

Check out this great article by Stephanie O’Neill at KPCC about brokers and the Affordable Care Act.  So pleased she did this article and flattered she asked me to participate.

http://www.scpr.org/news/2015/04/29/51313/some-brokers-encounter-hard-times-under-the-afford/

Give it a listen or a read and let me know your thoughts below.…

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April 20th, 2015

Why life insurance is a good idea, in one sentence

Simply put, your loved ones will be left with choices – not just expenses.

That’s why The Insurance Mom wants you to think really hard about life insurance.…

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April 13th, 2015

PPO, HMO, or EPO? What’s in a name?!

What’s with the alphabet soup?  What’s it all mean?  How will it inform your choices?

Understanding the differences in these 3 plan types is essential in understanding health insurance in this new wacky market.

HMO

Say your toe hurts and you’re on an HMO (aka Health Maintenance Organization.)  Where do you go first, the podiatrist?  WRONG!  With an HMO, you have to get prior approval and referral to a specialist from your PCP (Primary Care Physician.)   And, there are NO out-of-network benefits ever, except for emergencies.   HMO’s are a way for the insurance company to reduce costs by eliminating unnecessary testing and procedures by running everything by your PCP doctor.

At the end of the day, you have less control over your own medical care and it can be a time suck.

PPO

PPO’s (or Preferred Provider Organization) tend to have a richer doctor network and, by using these doctors, you get great price discounts.  But it’s up to you to make sure your fave docs are IN-network.  You can choose whatever doctors you like, whenever you like… no need for a PCP referral.

You can also choose to go to an OUT-of-network doctor, but you’ll pay more out of your own pocket.  These doctors don’t have to discount their fees and there may be a separate (and higher!) deductible for out-of-network services.

But if you like being in charge of your own medical destiny, this could be a great plan for you!

And the new weird one you may not be familiar with . . .

EPO

EPO stands for Exclusive Provider Organization.    An EPO network is a PPO-HMO mash-up.   Benefits are available only IN the EPO network.   Like a PPO network, you can pick and choose your own doctors at any time.   But, like an HMO, there are …

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