Archive | June, 2015

A Time for Research and Creativity

Last week was another busy news week with escaped fugitives, ongoing financial trauma in Greece, voting on gay marriage and, oh yes, the Affordable Care Act was once again determined to be legal. What does this mean for all of us who are purchasers of health insurance plans? It means that nothing has changed. The […]

Leave a comment Continue Reading →

Back to the Future

The cost of healthcare continues to increase unchecked. The result is that premiums go up each year and our response is to reduce benefits. Deductibles have gone beyond the reach of many insureds who will experience financial disaster long before they reach these lofty heights. Copays for physician office visits, emergency room charges and prescription […]

Leave a comment Continue Reading →

What does it really cost to go to the doctor?

First: The Price of Admission. Whether it is the whole cost of the visit or just the copay amount, dollars leave our wallets. Second: TIME. Travelling to the office, waiting our turn and then time travelling back. Most of this time must be committed during work hours which makes it even more costly. If we […]

Leave a comment Continue Reading →

Help Others, Help Yourself

From Gary the Fishing Guy……. I’m frequently amazed at my wife’s energy. I don’t mean just the day-to-day challenges of running an insurance agency, if that weren’t enough, but also her involvement in countless charitable activities. I can’t get into specifics or it would sound like I’m bragging about her, and that diminishes the intent […]

Leave a comment Continue Reading →

French Ingenuity

University Students In France Are Moving In With Senior Citizens! This headline made the news recently and it prompted me to wonder if any movement like this is occurring in the United States. All societies are facing the increasing costs of care for the aging. I assume that all developed countries also face the high […]

Leave a comment Continue Reading →

Tubby

It is not uncommon for many of us to put in 10 hour work days regularly, and more during our busy seasons. At the end of the day all we want to do is to lie down on the couch in front of the television and not move until we crawl up the stairs to […]

Leave a comment Continue Reading →

It Happened Again!!!

We just received an email from a client asking why so much of her dental bill was not covered. She stated that she had asked if the provider “took her insurance” and was assured that yes, indeed they did. Imagine her surprise when her portion of the bill was well over $400 for a cleaning […]

Leave a comment Continue Reading →

Am I OK?

A friend stopped by after work with a summary of his financial information. He has worked for twenty something years and has twenty something years ahead of him. His question, “Am I ok?” On the face of it his asset vs. liabilities looked well ahead of others his age. I know this man to be […]

Leave a comment Continue Reading →

Stop and Think First

I grew up sandwiched between two sisters. My parents thought that by having all their kids within a few years, the family bond would be strongest. I guess that’s true because my sisters and I are still close today. But siblings who are close in age also fight a lot, and believe me, we found […]

Leave a comment Continue Reading →

It’s Not Fair

  From the time my number 2 son could speak he shared with us all the ways in which he was not being treated fairly. His lower lip would quiver, his breathing would become labored and then, the magic words would come out: “It’s Not Fair”. Whether it was because his older brother had sent […]

Leave a comment Continue Reading →