Here are all the articles I wrote during May, 2011. I hope they're useful to you.

May 23rd, 2011

Hey, girlfriend!

Do YOU know what tests you need to ask your doctor about every year?

The Insurance Mom wants you to really take care of yourself.    Everyday I talk to people who, seemingly all of a sudden, get sick — and it comes as such a surprise to them.    What would be different if, every year, you have some simple tests done?

You might just stay healthy, that’s what (and save money, too!).   It’s easy.  You can do it, I know you can!  And then you can tell all your friends that The Insurance Mom is taking care of you.


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May 20th, 2011


$183,998.   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 the average stay of 2.4 years.   That’s really a ton o’money!!

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

Do you have over $180,000 (or more?) to pay for long term care services?   No?  Do your parents have over $180,000 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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May 16th, 2011

Around the world in 80 seconds…

WOW!   The Insurance Mom just went global!   How cool is THAT?!!…

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May 9th, 2011

I’d like to trust them, but…

The Insurance Mom wants to know… does this make ANY sense to you?

Last year it became possible for an unhealthy, uninsurable person to get guaranteed health insurance.  The government enacted the Pre-Existing Condition Insurance Plan (PCIP).   It’s available.  It’s affordable.  And the benefits aren’t too bad either.  Sounds too good to be true, doesn’t it?    Read on.

My uninsurable client qualifed and voila! — on March 1st he had pretty good health insurance.    But because of his escalating mental health problems, he forgot to pay the premium and his coverage was cancelled.

Under other circumstances, he would be allowed to pay the back premium and get his coverage reinstated.  But because this is a government run program the guidelines are different.

PCIP won’t allow payment of back premium.  PCIP won’t allow reinstatement.  PCIP will only allow my client to file an appeal… one that could take up to two weeks and has the possibility of being denied.    If the appeal is denied, my poor, suffering client cannot re-apply for 6 months.

He is unwell.  He cannot begin treatment.  He cannot continue treatment.   And he may not be able to get another PCIP policy for 6 months.

Because in order to qualify for the government run PCIP, one must be uninsured for 6 months or more.

And this is from the folks who want to give us government run health care insurance.

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