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

October 15th, 2018

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 business owner.   WATCH OUT!

For more information or to sign-up and have YOUR voice heard please visit I’m Independent to protect your rights as freelancers and/or a business owner.

Dynamex Operations West Inc. v. Superior Court (Dynamex) could require many 1099 independent contractors to become W-2 employeesand YOU won’t have a choice.

The ABC test determines WHO is an independent contractor or an employee.    You will be Independent Contractors ONLY if the hiring entity is able to PROVE ALL THREE of the following:

     (A)    That the worker is free from the control and direction of the hiring entity in connection with the performance of the work, both under the contract for the performance of the work and in fact;

     (B)    That the worker performs work that is outside the usual course of the hiring entity’s business; and,

     (C)    That the worker is customarily engaged in an independently established trade, occupation, or business of the same nature as the work performed.

You should be VERY alarmed!!   The Dynamex ruling is now CA State law and will NOT be appealed.

freelancers independent contractors

The new standard could potentially reach back four years which could financially destroy your business even if you were fully compliant in operating under the previous standard of Independent Contractors.

Hmmm… I have questions:   Who is going to be the watchdog?   The regulators?   The enforcers?   Are small businesses at risk as much as large businesses?    How will the regulators know who’s …

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September 26th, 2018

Hey, CALIFORNIA… here’s info about your INDIVIDUAL health insurance for 2019

READ ME… ALL OF ME!!
It’s time to talk about individual HEALTH INSURANCE for 2019 — OPEN ENROLLMENT is starting 10/15/18
Information is starting to roll in.   BUT we’re still waiting for the FINAL RATES.
What we know so far:
  • There WILL BE rate increases — no, I don’t know how much yet
  • There are NO new/better options in 2019
  • There will NOT be any better networks or drug formularies
  • Blue Shield will NOT continue the BlueCard program when you’re traveling — which means NO coverage outside of California, except for emergencies (like all companies)
  • Deductibles are going up slightly
  • Out-of-pocket maximums are going up slightly
Chances are, you’re going to STAY PUT on your current plan for 2019.   Yes, no kidding.

Be patient… take a nice inhale 🙂…

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September 6th, 2018

5 Tips From Your Insurance Broker!

Here are 5 tips from The Insurance Mom about Health Insurance you know only if you have an insurance broker — Read On!

  1.  You can’t just get individual health insurance any old time.   Enroll only during Open Enrollment!  The next one is November for coverage starting January 1st.   If you have coverage at work, you have to wait until your employer’s open enrollment period.
  2. Pay your individual insurance bill within 30 days or you’ll lose the insurance (oh no!).   You’re out of luck until the next Open Enrollment.  In some states there are options, but none will protect you like regular health insurance.
  3. ONE free physical a year, with an IN-network doctor, is included in every policy.   Ladies, you get a gyno visit too.   No dollars out of your pocket.   Not even a copay!  Check with your insurance broker to find out which specific exams and lab tests are included.
  4. ALL FDA-approved birth control is FREE now if you want it!
  5. Kids are automatically enrolled in pediatric dental & vision coverage.  As long as you go to an IN-network dentist or optometrist, standard cleanings and exams are free and most costs will be discounted.

Now… don’t you feel smarter!?

Learn More About Our Insurance Services!…

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February 14th, 2018

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.

 …

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August 27th, 2015

The Insurance Mom’s Handy Cheat Sheet!

Are you confused and frustrated by your health insurance?  Having health insurance can be like eating your broccoli … necessary but not fun.

But now, you can understand more about how to make your insurance money work for you!  Here it is … your one stop guide to health insurance cheat sheet:

The Insurance Mom Cheat Sheet

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June 24th, 2015

Have YOU planned for the OMG??!

Do YOU have enough bucks tucked under the mattress for that OMG-unexpected-high-medical-expense?  And, they’re always unexpected!  How will you pay for stuff?   Most people don’t have enough saved up for that OMG! time… or even for sushi next week.    I have some great ideas… like an automatic savings plan, like life insurance, like disability insurance, like Long Term Care Insurance.

Call The Insurance Mom… we should tawk!…

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June 23rd, 2015

ACA woes?  Hospitals and Docs feel it too!

Life since the Affordable Care Act is an interesting environment.  Everything is changing at such a rapid pace, no one knows how to keep up.  Hospitals are in the same boat, too!

In a recent study, 75% of hospitals have reported an increase of emergency room traffic since the ACA started.  Not only that, but there’s a huge increase in the number of people in Medicaid (in CA it’s Medi-Cal).   BUT doctors don’t want to take new Medicaid patients because Medicaid pays doctors so poorly.

So just because more people have access to health insurance, it doesn’t necessarily mean they have access to timely medical care.     And that, my friends, is true no matter what health insurance you have or whenever you try to see a doctor!

My assistant was sick a few weeks back, and she had the WORST time getting an appointment to see her doctor!  I think doctors offices may be feeling strapped for time too!

Some food for thought while we peel back the many layers of this onion.  And keep in mind to plan ahead when you can, keep ahead of illness so you’re not scrambling when you really need help.  Check out the article with more info from the President of the American College of Emergency Physicians:

https://www.benefitspro.com/2015/05/04/er-visits-keep-climbing-under-ppaca.…

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June 15th, 2015

Weight for it . . .

Up until recently, I was really into weightlifting.  I used these guidelines in my weight training, and still use these mantras every day – no matter what I’m doing.  Here are the motivations (and inspirations) my trainer taught me.

 

Breathing

Strength / Power

Flexibility

Endurance

Coordination

Flow

Precision

You cannot have strength without flexibility.  You cannot have power without taking deep breaths.  You cannot reach a goal without endurance, flexibility, and flow.  And it takes precision to be clear with yourself to achieve and surpass your goal.…

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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.

https://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

Why we love John Oliver OR How to get a free lunch!

The Insurance Mom is a big fan of “Last Week Tonight” with John Oliver.   I thoroughly enjoyed his expose (which aired on 2/8/15) about the relationship between doctors and pharmaceutical companies.

The gist is this . . . it has been a long-time practice of pharmaceutical companies buying doctors lavish lunches, providing divine holidays, inviting them to be a brand ambassador, speaking at events, and paying the docs handsome sums.   It’s one thing to hand out free samples.  But some of these practices are bordering on bribery, false advertising and in the process, perhaps skewing the doctor’s medical practices towards the companies’ products.   John Oliver wondered why it is that some medical offices advertise a free lunch in their job postings.   Is it possibly because Big Pharma is footing the bill?!

Aren’t you curious about what your doctor is up to?   Here’s the website where you can see what kind of benefits your doctors may be receiving from Big Pharma.  Go to https://openpaymentsdata.cms.gov/ to find out more.…

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