Glossary — Learn Insurance Terms and Phrases

Here are some glossary terms that get thrown around whenever people are talking about insurance. In the Glossary there are some very basic ones — and some pretty advanced ones. Look around — hopefully it will give you a better sense of what the insurance companies are talking about.

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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!?

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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 doing what and when?

It feels like micro-managing to me… what about YOU?

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