UPDATE 12/20/19: A federal appeals court has just ruled the federal Obamacare individual mandate unconstitutional, a ruling which has obvious implications for the new California law. Follow us on Facebook to stay up-to-date as new information unfolds. Ok, California, this time it's for real. Covered California announced late last week that [...]
Medicare plus a Medicare Supplement vs. Medicare Advantage Plans: Which one is right for you? We have long been fans of original Medicare as the preferred Medicare method of choice. We’ve always held that original Medicare plus a Medicare Supplement is the very best coverage you can have, providing you with all the [...]
What?! How can hiking possibly save you money on your life insurance? Although that may seem to be an unusual correlation, it’s actually true. People who are healthy not only live longer, they typically pay less for life insurance as well. Many insurers require a medical exam and take into account weight, blood [...]
We recently sat down with Nicole Pazdan of Elder Placement Professionals in San Luis Obispo. Nicole told us a little about what she does, as well as how people can be better prepared should they or a loved one ever need to transition from independent living to care services. Question #1: [...]
We recently interviewed San Luis Obispo-based money coach Garrett Philbin of Be Awesome Not Broke about insurance and making smart money choices—two things that definitely go hand-in-hand. Thanks for joining us today, Garrett! Let's jump right into Question #1. Tell us about your business and what you do as a "money coach"?Garrett: I [...]
With All the Changes Surrounding Obamacare, Will I Be Able to Afford My Insurance? According to a recent survey by AARP, seniors have growing concerns about the future of healthcare. The continued whirl of legislative and legal action surrounding the Affordable Care Act (commonly known as Obamacare) has made many people nervous and unsure about [...]
40 years of helping San Luis Obispo make the best health insurance decisions. We've been reflecting recently on the privilege of serving the Central Coast since 1988. One thing that we've discussed is that we're just as committed as ever to helping those we serve get the coverage they need at a cost they can [...]
Is Our Health Care System Sick? We were looking through client files recently and came across one of our old newsletters from the winter of 2008. The title of the lead article was, "Is Our Health Care System Sick?" As we re-read that article, it became apparent that little has changed in our health [...]
Meet the September 10th target date, and your drug lists are guaranteed to be reviewed by the December 7th deadline! Why review my PDP-Prescription Drug Plan? Because what you pay could change from year to year. Each year from October 15th to December 7th, Medicare beneficiaries have the opportunity to change their Prescription Drug [...]
What is Medicare's “hold-harmless rule”? How does it relate to cost of living adjustments (COLA) and Medicare Part B premium increases? In short, the rule protects most Social Security recipients, and we think it is important that everyone understand how they are protected. The Hold-Harmless Rule and How It Protects Social Security Recipients Most [...]
