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5 things about health insurance you only know if you have a broker (Like ME!)

You can’t just get individual health insurance any ‘ol time you want. You MUST enroll during Open Enrollment (which starts in November for coverage beginning in January). ORRRRR you can get a new plan if you have a Qualifying Life Event (QLE) that happened within the last 60 days. A QLE is something like involuntary… Continue reading 5 things about health insurance you only know if you have a broker (Like ME!)

The Insurance Mom’s Quip. #7

Life can only be understood backwards, but it must always be lived forwards. (Thanks Mr. Kierkegaard!)

The Insurance Mom’s Quip. #6

“Expecting the world to treat you fairly because you are a good person is a little like expecting the bull not to attack you because you are a vegetarian.” (Thank you Dennis Wholey)

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 is essential to understanding health insurance. HMO (Health Maintenance Organization) Say your toe hurts and you’re on an HMO.  Where do you go first, the podiatrist? WRONG! With an HMO, you must get prior approval and referral to a… Continue reading PPO, HMO, or EPO? What’s in a name?!

Do you really need life insurance?

Is anyone dependent on your income, like a family member or creditor (like a mortgage lender or business loan)? No? You don’t need life insurance! Yes? I suggest you talk to a trusted insurance agent — aka EXPERT! — for recommendations. Do you want to protect your people for a set period of years, like… Continue reading Do you really need life insurance?

Exactly what IS Long Term Care insurance and why should I care about it?

Like life insurance, LTC insurance gives you and your family choices (not expenses) when you need them the most. And here’s a super-simple cartoon shared by our LTC colleague Steve Cain of LTCI Partners. Easy to read, and a little entertaining too! It doesn’t even matter how old you are, at some point you’re probably… Continue reading Exactly what IS Long Term Care insurance and why should I care about it?

Is it possible to exercise your depression away?

Can exercise and depression go hand-in-hand? The Insurance Mom exercises six days a week, including some cardio, strength training and definitely Pilates! How often do YOU exercise? I know, I know, getting started is the hardest part. In the US, exercise is not counted as an initial form of treatment for depression. Nope, here in the… Continue reading Is it possible to exercise your depression away?

A new COVID ‘stimulus check’ on the way?

More COVID $$$$ could be yours… Rebates from your health insurance company! Goodie for you! For more information on how, why, and when you might get these rebates:

Freelancers & Independent Contractors! A new CA law could HURT your status!

If you’re a FREELANCER in CA (aka INDEPENDENT CONTRACTORS) — read all of this to protect your $$$ ! The Insurance Mom wants to make you aware of a recent CA Supreme Court ruling.    It could really HURT you as a FREELANCER.     If you HIRE freelancers, this new state law could hurt you as a… Continue reading Freelancers & Independent Contractors! A new CA law could HURT your status!

You think YOUR insurance company is bad?

You think your insurance company is bad?! Check out the latest bovine defecatory material about Aetna from CNN. We all know medical claims can be a nightmare to handle… How would you feel if something like this happened to YOU? The Insurance Mom says BE YOUR OWN BEST ADVOCATE!   Stay involved.  Keep informed.