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Should I Ask for the Cash Price?

IS CASH STILL KING? What happens if a PROVIDER joins a provider network such as a CIGNA HMO or PHCS PPO or BC/BS HMO? Answer: The provider has agreed on “negotiated” pricing for patients with a health plan using those networks. FACT:  Negotiated rates paid by YOUR HEALTH PLAN to doctors are sometimes more than […]

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Baby Boomers

Are you a Baby Boomer?  It’s a fact that from now until the year 2030 10,000 people per day will turn 65. Lucky you! When that happens you will be eligible for MEDICARE. The government’s book on Medicare is in excess of 100 pages!  And it’s boring.  Below is my condensed version, more like a Reader’s Digest article. By the […]

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Yikes! What she found in her medical records was devastating

First off, understand this. They’re YOUR medical records. Recently, someone applying for one of our health plans learned something that truly shocked her. Written in her records was a diagnosis that she has a debilitating muscle disease – and the doctor never told her! You may have a medical condition listed in your medical records […]

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What is TERM insurance?

TERM LIFE INSURANCE is so-named because it is designed to last a specified period of time – a term. You have a TERM in school.  A politician has a TERM in office. WHOLE LIFE insurance is the opposite of term life. It is designed to last a lifetime.  A great benefit is that it accumulates […]

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How to Survive When You Cannot Physically Work

At any given time, a lot of people are out of work due to injuries. I’m sure you’ve thought about the possibility of not having any paycheck coming in. Right? But it’s one thing to be unemployed and another to be physically unable to work.   If you are self-employed or if you are not […]

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Warning – Some Things Your Health Policy Will Not Pay For

There are Certain Types of Medical Treatment Not Covered by Your Health Policy When a serious medical need arises there are often multiple stages that one goes through on the path to recovery. For instance, a stroke victim may stay in a hospital for several days but then will be released to either the care of a […]

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Top 4 Ways to Prevent Health Insurance Claims Problems

Of the many health insurance companies I represent, the following guidelines are valid for each. Here are four steps you can take to help minimize any “claims surprises.” Follow these steps and you may be stress-free. Never rely on the assumption that a certain benefit is covered or that a particular health provider belongs to your HMO […]

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