Here are all the articles I've written about Uncategorized. 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 …

Read More…
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.

 …

Read More…
July 16th, 2015

National Campaign for Brokers

My fellow brokers: we’ve had a great time at our webinar on Insurance and Social Media with LAAHU.  Email info@laahu.org to get the recording if you missed the live broadcast.

We’re working on a national campaign to ensure the future of the Individual Health Insurance Broker.  Here is your first test of your new found social media prowess.  Tweet!  Facebook!  Email blast away a sample message to start the ball rolling:

#HealthInsurance brokers know all!  Don’t go without.  Click to keep them around!  #brokersmakeadifference @mightylaahu…

Read More…
May 4th, 2015

Open Enrollment is Over!  Let’s Have Some Laughs!

One of the rules of the Affordable Care Act (aka ObamaCare) means that for everyone in an individual health insurance plan, you can only make changes, or enroll in a new plan, during Open Enrollment, from November 15th thru February 15th.   Kinda like tax season is for accountants, it creates a wild ride for brokers all across the USA.

Here are a few funny quotes Alison and Her Helper Elves heard during Open Enrollment:

“I’m sorry I’m losing my motor skills.”

“If you go with that company then you’re REALLY gonna need psychotherapy!”

“I want to apply for Obamacare over the phone”

“There is no Narnia”

We hope you got a good giggle from this!  What are some of your funny work stress moments?…

Read More…
April 20th, 2015

Why life insurance is a good idea, in one sentence

Simply put, your loved ones will be left with choices – not just expenses.

That’s why The Insurance Mom wants you to think really hard about life insurance.…

Read More…
April 13th, 2015

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 in these 3 plan types is essential in understanding health insurance in this new wacky market.

HMO

Say your toe hurts and you’re on an HMO (aka Health Maintenance Organization.)  Where do you go first, the podiatrist?  WRONG!  With an HMO, you have to get prior approval and referral to a specialist from your PCP (Primary Care Physician.)   And, there are NO out-of-network benefits ever, except for emergencies.   HMO’s are a way for the insurance company to reduce costs by eliminating unnecessary testing and procedures by running everything by your PCP doctor.

At the end of the day, you have less control over your own medical care and it can be a time suck.

PPO

PPO’s (or Preferred Provider Organization) tend to have a richer doctor network and, by using these doctors, you get great price discounts.  But it’s up to you to make sure your fave docs are IN-network.  You can choose whatever doctors you like, whenever you like… no need for a PCP referral.

You can also choose to go to an OUT-of-network doctor, but you’ll pay more out of your own pocket.  These doctors don’t have to discount their fees and there may be a separate (and higher!) deductible for out-of-network services.

But if you like being in charge of your own medical destiny, this could be a great plan for you!

And the new weird one you may not be familiar with . . .

EPO

EPO stands for Exclusive Provider Organization.    An EPO network is a PPO-HMO mash-up.   Benefits are available only IN the EPO network.   Like a PPO network, you can pick and choose your own doctors at any time.   But, like an HMO, there are …

Read More…
March 21st, 2015

Who’s the boss? You the boss?

Are you a small business of 2-50 employees?   I bet you want to stay competitive AND you want to help take care of your people.    Are you trying to offer incentives to your new hires such as health and dental insurance benefits (and be the coolest company in town)?

If you don’t have an HR department, The Insurance Mom will help you understand the options and get them started for you.   We’ll help you through the entire application process, educate you and your employees, and even help get new hires enrolled!

You worry about taking care of your people, we’ll worry about taking care of YOU.    AND The Insurance Mom has a great cookie recipe… it’ll make you the most popular person in the break room!…

Read More…
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…
March 10th, 2014

Is your medication worth $84,000? You tell me . . .

I just read an article about new drug treatments for Hepatitis C.  Hep C is the #1 cause of liver transplants in America.  Serious problem, right?  Drug companies have come up with a serious answer . . . but to the tune of $1,000 per pill, making one course of treatment with this new drug cost $84,000!!!

What does that mean?  It means that if drugs cost this much, it drives up the cost for health insurance for EVERYONE!  Yes, you too, person without Hep C.  Health insurance rates will go up for everyone because of the cost of drugs like these.  And insurance companies may tell people to try the older, less effective drugs first to try to save money when they really need the new stuff.  Not fair on either end, is it?

And that’s not all.  This article also says that this is just the beginning of pricey drugs.  We’re going to see huge spikes in cost for treatments for MS, cancer, and more in the coming years causing health insurance premiums to skyrocket.  Ouch!!!

Is it worth it?  Heck no!  Who’s to blame?  Not who you would think.

I want to know…  why aren’t the pharmaceutical companies being regulated too?  Of course, these drugs do cost money to research and produce, but why this much?  It seems to me that all of the weight of health care reform is falling on the shoulders of the insurance companies where the focus should be broadened to include pharmaceutical companies, hospitals, labs and doctors.

Tell me, friends, what do you think?…

Read More…
March 7th, 2014

Deadline approaching . . . get on it, kiddies!

Are you aware that the deadline for open enrollment to get health insurance is quickly approaching?  Well then, you’re not alone!

In a recent survey, 55% of Americans are unaware that they won’t be able to apply for health insurance after March 31st (unless after that date, they have a big life change like a new job, loss of coverage, unemployment, marriage, divorce, or babies).

What does that mean for you?  Time to hop to!  If you don’t have health insurance, you need to call your local broker ASAP!

Go here to find a really good broker in your neck of the woods.   Want the most up-to-date information?  Check out this recent article released March 5th for the latest.…

Read More…
Contact Mom
menu mobile header