Archive | April, 2015

Donuts and Decisions

Personal risk management review: identifying areas of possible loss and making decisions that will produce the greatest chance of successful outcomes. Following are four losses that we must all face, ways to address these losses and decisions we will need to make to produce positive outcomes. Loss #1: excessive dollars spent on healthcare. Discipline: Maintain […]

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Our turn under the stethoscope!

  Friday I went to my annual physical exam and was asked to pay a copay for the visit. I am a non-confrontational person, but for once I spoke out. I took a deep breath and asked, “So when do I get my free ‘routine physical exam’ as promised through the Affordable Care Act preventive […]

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The Duck

Many years ago a woman I knew discovered she had cancer while she was pregnant. When the baby was delivered his cancer was immediately detected and his treatment was scheduled at a specialty hospital many states away. So the whole family picked up and moved out of town for several months of care. This family […]

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Beppie’s Legacy

In Holland if an individual dies without direct heirs (children, grandchildren, great grandchildren) assets are taken by the state. Costs of the social welfare state are high so this is one way to help cover some of those expenses. I had an aunt who was widowed and never had any children so she knew this […]

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Why is my health insurance so expensive?

Insurance is fundamentally a sharing of risk and, while you may not have had a bad claim year, someone in your risk pool did. Another factor in setting premiums is the increasing cost of care particularly in the area of prescription drugs. Additionally, since 2012 new taxes and fees were imposed on health insurance companies […]

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Sniper Shots and Cannonballs

All of our lives we try to manage our diets, exercise and stress levels to minimize the bad things that can happen to us. Yet there are some medical situations we cannot avoid. If a genius like Steven Hawking can be struck by ALS what hope for the rest of us average Joes? And yet, […]

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WHAT DO YOU MEAN ????

  Some time ago I was asked to consult with an individual who was struggling to qualify for medical insurance under Medicare and was facing massive medical bills without this insurance coverage.  This individual had a medical diagnosis which clearly qualified him for immediate enrollment in Medicare and yet he had not been successful in […]

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Fishing Wisdom

I don’t fish, but for decades I have lived with a man who does and here is what I have learned: The best time to catch a lot of fish on the Chattahoochee River is on opening day of the fishing season. It seems that the state stocks the river at that time so your […]

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My Final Four

  Just as the NCAA tournament begins with 64 teams out of the hundreds of college teams that play basketball, each year we can identify 64 concerns out of the myriad we face. From the trivial question of “he loves me, she loves me not” to the bigger worries of lumps and bumps and bad […]

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