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

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?…

Read More…
August 23rd, 2010

How To Add $$$$ To Your Paycheck

Want more take-home money in your paycheck?  Of course you do!   If you’re an employee (not an independent contractor) and are looking for ways to have more $$$$ in your checking account, then this article is for you.

Eva Rosenberg, aka TaxMama, has some great advice… it’s even easy to follow!   The Insurance Mom wants you to fight for your money in all areas of your life, not just when it comes to arguing with your health insurance company and doctors.    And, if you have a free moment, go ahead and subscribe to TaxMama’s free newsletter.

The Insurance Mom says “free” is good!!  Free time, free newsletter, free advice.   TaxMama is like having a money therapist right at your fingertips!

Remember that ObamaCare (aka PPACA, Patient Protection and Affordable Care Act, aka PeePeeCaCa) will do nothing to reduce the cost of medical care, lab work or prescriptions.  So the more $$$ you have in your paycheck (and hopefully your HSA or FSA), the more you’ll have available to pay those medical bills.

The Insurance Mom wants to you to be a good little money manager!

Enhanced by Zemanta
Read More…
August 2nd, 2010

It Never Hurts To Ask!

The Insurance Mom says that everything is negotiable… including the cost of your medical care.   You wouldn’t think twice about negotiating with an car dealer or a CraigsList vendor, right?  Well, you can — and should — do the same with your doctors, labs and hospitals.  Saving money is a good thing!  The Insurance Mom wants you to fight for your money!

As the accompanying article from the Los Angeles Times suggests, “do your homework and negotiate upfront… ”  The article, authored by Lisa Zamosky, offers some great tips, including:

1.  Understand treatments.  The best way to save money is to avoid care you don’t need.   If a doctor wants to order tests you’ve already had done by a different doctor, be sure to have the results forwarded and don’t let the second doctor duplicate the tests (and the costs!).     The Insurance Mom wants you to always have a copy of your current medical chart and tests results in your own files!  Yes, of course the doctor’s office will give you a copy of your chart (but sometimes for a small fee.)

2.  Find the best price.  Ask your provider up front how much a service will cost.   Did you know that prices vary greatly from one provider to another?  Yes they do!   When you can, plan and shop around.   Did you also know that the government’s “stealth” care reform law will do absolutely nothing to reduce the cost of medical care?   And it will not force doctors, labs or hospitals to reveal their costs to you.  So ask!   And then negotiate.   And get it in writing!

3.  Cash is king.   Many providers will give huge discounts for paying cash — sometimes the discounts are even better than what your insurance company has negotiated.

4.  Location, location, location.   The …

Read More…