Here are all the articles I've written about Los Angeles. Enjoy!

May 11th, 2017

Are AHCA concerns making you sick? Pre-existing conditions and MacArthur and more….

Holy cow, folks!  What a crazy time for health insurance!

Politics aside, The Insurance Mom wants you to be really, totally clear about what’s happening in the wacky world of health insurance.

The first thing most clients ask me these days is about pre-existing conditions.  What if I have an illness before I buy health insurance?  What if my sick child loses coverage?  “What-ifs” all over the place!

All we can do right now is breathe.  We don’t know what’s going to happen with this bill (it’s not a law yet!).  But I did want to shed some light on the latest MacArthur Amendment.

The LA Times did an EXCELLENT article on just this issue here:  http://www.latimes.com/business/lazarus/la-fi-lazarus-gop-healthcare-macarthur-amendment-20170504-story.html

Here are a couple of excellent quotes… but the whole article is awesome.

“And it protects people with pre-existing conditions much as starving people may be welcome at a restaurant, but only if they order the most expensive dishes on the menu.”

“This much is clear: Republican lawmakers have provided a textbook example of how not to enact major legislation.  They’re aiming to radically overhaul the $3-trillion U.S. healthcare system yet have shunned the input of major stakeholders such as medical organizations, hospitals and patient-advocacy groups, which are uniformly against the measure.”

What do YOU think, my lovely peeps?  Do you believe everyone should help pay for the sick?  Did you like the old way of doing things before the ACA?  Do you benefit from Obamacare?  Do you hate Obamacare (aka ACA)?  Tell The Insurance Mom your every little thing!…

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February 11th, 2016

We made it! Open Enrollment is OVER!

Hello, Insurance Mom family –

 

Phew!

 

Open Enrollment for individual health insurance ended 1/31/16.     The Insurance Mom and her Helper Elves have been very busy taking care of everyone, and now we’ve got more time to talk about insurance-y stuff through our fabulous blog posts.

 

Open Enrollment is the time when anyone can get individual health insurance or make changes to their individual health insurance.

 

From now until January of 2017, you are locked into whatever individual insurance plan you have.   There are only a few exceptions to the rule … called Qualifying Life Events.  Like loss of employer coverage, marriage, divorce, relocation to a new state, etc.

 

Shocked to find that out?  You’re not alone.  Uninsured?   Snap!  The Insurance Mom has a solution for you!   Let’s talk ASAP so you don’t go broke paying for that unexpected (and expensive) medical thing… and it’s always unexpected and expensive!…

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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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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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February 27th, 2015

What’s the cost of getting older? $90,000 a year!

$90,000.   That’s a lot of money!   On a national average, it’s what you’ll pay  if  your Mom or Dad lands in a nursing home for a year (and the average stay is 2.5 years).  That’s really a ton o’money!!

If your Mom or Dad would prefer to get better at home (and who wouldn’t?), today the cost of home care is about double.

Do you have over $225,000 (or more?) to pay for long term care services?   No?  Do your parents have over $225,000 to pay for long term services?  No?  What ever will you do?

The Insurance Mom knows!  Doesn’t that make you feel better already?    Long Term Care Insurance is the answer.   Let an insurance company pay the bills.

Find out how.   What better reason to call The Insurance Mom?…

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February 25th, 2015

Repost! 4 Simple Rules About Long Term Care Insurance

Another oldie but a goodie (with some updates) about Long Term Care Insurance.  Is it time for you or your parents to think about Long Term Care Insurance?  Here’s 4 quick rules about LTC . . .

First, always consult with a qualified broker, like The Insurance Mom!

Second, buy a plan that’s affordable.  Don’t go hog wild and buy a plan that’ll  cover 100% of anticipated future costs just because you think it’s better.  It is much smarter to buy a policy you can afford to pay for every month.   If you can’t pay the premium, what’s the point?  You’ll get no benefits at all if that happens!   It’s better to buy a policy that will cover at least half of future costs than buy no policy at all.

Third, buy a policy that keeps up with inflation (that’s called a Compound Inflation Rider).   The cost of care rises every year.   Get a policy that keeps up with the times.   Look for a policy with a built-in 5% Compound Inflation Rider.

Fourth, aim for the shortest possible waiting period for the plan to kick in (that’s called the Elimination Period).  For example, if you have a 30-day elimination period, you’ll pay for the first 30 days of expenses out of your own pocket.  The shorter the Elimination Period, the more expensive the policy will be.   If the Elimination Period is 90 days or longer, be sure you have the moo-la to cover you!

Now…. don’t you feel smarter?!  You get a cookie for reading!


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February 23rd, 2015

Revisiting A Short Course on LTC

Now that we have a bit of a handle on Open Enrollment for health insurance, I am getting nostalgic on my old blog posts and found this goodie on LTC:

Did you know that at least 60% to 70% of people over 65 will eventually need long term care, either at home or in a nursing home?   That can be very expensive.

The average stay in a nursing home per year is almost $90,000.

Your health insurance does NOT cover this kind of expense, neither does Medicare!   Oy.   That’s why The Insurance Mom wants you to consider Long Term Care Insurance (LTCi)  especially if you don’t have enough savings or a rich uncle.

If you have LTCi and have to go into a nursing home or need at-home care, the total cost of all your premium payments combined will likely be less than the cost of a single year in a nursing home or full-time home care — no matter how many years you’ve been paying premiums.

Think about that for a moment.   No matter how long you pay LTCi premiums, you will get it all back in one year of benefits!   That’s huge.   I think it’s a wise investment in your financial future.

Come back Wednesday for 4 simple rules to follow when buying Long Term Care Insurance.…

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October 20th, 2014

How Much Will it Cost to Get Covered in 2015? 

If you know anything about the Affordable Care Act (ObamaCare), you know that the next Open Enrollment period is coming up (Nov. 15th – Feb. 15th for a Jan. 1st and later start date.)

Everyone’s first question to me is “how much will my monthly premium be?”

We don’t have enough info yet to compare.    Not all of the rates have been approved by the CA Department of Insurance.    But we do know the word on the street from going to conferences and doing lots of reading.  The Insurance Mom is here to translate!

There were a couple of great articles by Chad Terhune in the LA Times on 10/3/14 and 9/28/14.   For plans purchased through Covered CA, weighted increases in 2015 will range from 4.2% to 8% statewide (depending on where you live, it could be lower or higher).

But… actually using the plans is a whole different story!  That prompted two blog more posts about doctor networks AND why everything is so different after the ACA.  Click the links to read all about it!…

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October 10th, 2014

Time to Vote! Pay attention to Prop 45!

As you know, I normally don’t share my political opinions with clients.   However, Proposition 45 is on this November’s ballot and it will have a direct impact on your health insurance… and not in a good way. As your agent, I feel compelled to make you aware of Proposition 45 and why I so strongly oppose this measure.

Proposition 45 will radically alter the choices available to individuals and small businesses purchasing health insurance in California.

Supporters of Proposition 45 want to give one elected politician, the Insurance Commissioner, the power to determine your health plan’s premiums, benefits, networks and even what treatment options it covers.  (The Commissioner can receive millions in campaign contributions from special interests.) They want to create a costly new bureaucracy that duplicates existing regulatory agencies – the costs of which will ultimately be paid by you through higher premiums. They want to set up new rules and regulations that conflict with the new health care reform law.

As your agent, I take my responsibility seriously when I help you navigate California’s health insurance market.  Proposition 45 will make that market more chaotic and more costly – and worst of all it will potentially limit the choices you have as a consumer.

I plan to vote NO on Proposition 45 this November because it will create more problems than it solves.

I hope you will visit www.NoOn45.org to learn more about Proposition 45. While you’re on the website, I hope that you’ll take 30-seconds and sign-up to receive updates from the No on Proposition 45 campaign and join me on protecting your access to quality health insurance and preventing the possibility of rationed health care.

Feel free to email me back if you have any questions but, in the meantime, I hope that you’ll go

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August 18th, 2014

Are you OK with one person taking control of what happens to your medical bills?

I don’t think I’ve ever politicized a blog post.  This could be a first.   So you’ve gotta know how important it must be.

Proposition 45 will be on the ballot in November.  Prop 45 is a flawed, deceptive measure that will increase costs for consumers and (maybe) harm the quality of our health care.

A special interest group (of course!) is sponsoring Proposition 45, an initiative on the November 2014 ballot that gives ONE POLITICIAN (the Insurance Commissioner) new power over your health care – including your premiums, co-pays, deductibles and even the treatment options your health insurance covers.

This is bad.  This is very, very bad.

We all want to control health care costs – that’s why California has a new independent commission with the authority to negotiate rates with health plans and reject them if they’re too expensive. We should give this commission a chance to work, NOT give more power to a single politician who can take campaign contributions from special interests.

There are many reasons why Prop 45 is NOT a good idea.   And they all might cost YOU a lot of money.

1.            Prop 45 gives one politician just too much power.

2.            Prop 45 creates a more costly bureaucracy.

3.            Prop 45 is sponsored by special interest (lawyers, lawyers, lawyers!) who could make a LOT of money under this measure.

Be wary of what’s on your ballots, kiddies.  The Insurance Mom doesn’t want you and the whole state of California to get caught in a terrible mess caused by Prop 45.

Ask yourself this:   Do you trust one politician to dictate what will happen to your health and finances?

With one elected official in charge, you won’t have any input – nor will doctors or hospitals – on the best decisions for your …

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