Since the early 1980’s I have found myself in the challenging position of trying to get people to talk about and understand the complexities of the health care delivery and financing systems in our country. The sheer volume of dollars… Continue Reading
“I hate insurance”. “ I don’t understand insurance!” These are statements we hear often. Insurance is clearly a complicated product subject to lots of regulations and nuance. So vocabulary is important. Following is a simple vocabulary lesson to help you… Continue Reading
Christmas will soon be here and while Santa is checking his list, NAHU (National Association of Health Underwriters) is helping employers check theirs for year end. Following is a checklist for ACA year end compliance provided by NAHU, for your… Continue Reading
Most Americans would be caught completely unprepared if they or a loved one were faced with a medical crisis that required long-term care. In fact, one out of five Americans over the age of 50 is at risk of needing… Continue Reading
First I would like to clarify something from last week’s column. It should have cited my colleague, Michael Appaneal, was the source of a prototype document. Please see comments on Redding.com for further clarification. Some GOOD new laws! I am… Continue Reading
I have multiple letters after my name and often people do not understand them. The CEBS (Certified Employee Benefit Specialist) is considered the premier designation in the employee benefits field. This type of education demonstrates a commitment to the highest… Continue Reading
As employees get closer to retirement they will often compare retirement decisions and compare account balances. So what happens if two individuals find that they had made similar contributions to their accounts, but have dramatically different account balances? One might… Continue Reading
Medicare Rx open enrollment is soon upon us. The open enrollment period begins October 15 and ends December 7. I cannot stress enough how important it is for seniors to check the status of their plans. These plans change every… Continue Reading
We are hearing a lot about how difficult it is to access Primary Care in our area. Physician practices are impacted and don’t have room for many more patients. Or perhaps it’s simply difficult to take time off work to… Continue Reading
Open enrollment for individual health plans will soon be upon us. However, folks that are already enrolled need to pay attention to their accounts now. When consumers originally filled out their application, they chose to allow Covered California to verify… Continue Reading
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