Archive | July, 2015

The Old Girl

My love affair with boats began when I was very young. We’d go down to the local pond and build rafts with whatever would float. Our raft-building skills were limited though, so our crafts wouldn’t stay together much longer than it took to pole out to the middle of the pond. By then our rafts […]

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Choice

I just received the results of my latest blood test and was told that it is time to up the dosage on one of my medications. My first reaction was regret that I had not been able to keep my numbers in the range where they needed to be. My second reaction was disappointment in […]

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What You Don’t Know

It happened again today. We received a call from a young man who found out his insurance has been cancelled. He is a dependent who aged out of his parents’ insurance contract and the insurance company made no effort to notify him or his family. We may be lucky and find ourselves within the window […]

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What If I Want Good Health Insurance?

Focus has shifted from “quality” coverage to “affordable” coverage and the definition of each is very fluid. To some, quality means low copays, to others it means inclusion of all of their prescriptions, and to others it means inclusion of all of their providers. “Affordable” is equally varied ranging from low premiums to low access […]

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Where Is My Fairy Godmother???

We all read headlines about Americans not saving enough for retirement and I have a theory to explain this. Americans are inherently optimistic and I believe that a lot of that comes from growing up on fairy tales. As we age Prince Charming and fairy godmothers are replaced by fantasy literature and movies. Just look […]

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Quantity vs. Quality

I’m such a fishing nut that it is only natural that some of my earliest memories are about the fishing trips I made with my dad and uncle. Actually it was my great uncle Al, who had a small beach house on Leete’s Island off the Connecticut coast. He also had a small wooden boat, […]

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Finally, We Are Getting the Weapons!

Today is the first in a series of employee enrollment meetings for the client I described in my Case Study article. Premiums have gone way up, benefits have come way down and the employees face a difficult year of healthcare expenses. Fortunately, we were able to put in place a very affordable “bouquet” of benefits […]

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My Fire Hydrant, Al

I was driving back into Atlanta on a recent scorching summer day when a story came on about last winter’s snow disaster in Boston. Suddenly, I felt about 10 degrees cooler and listened attentively to a story about a group of people who are being placed into local government positions to provide technological support, sort […]

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Case Study: First Renewal After the Affordable Care Act

Business has improved, but what can an employer do when their health insurance premiums go up over 45% at renewal on a budget that already exceeded $300,000 per year? One of our clients recently received their first renewal since the implementation of the Affordable Care Act and this is what they faced. Traditional options were […]

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Mergers and Acquisitions

Even with the holiday weekend, it was hard to miss all the news in the world of health insurance. The Aetna / Humana purchase was announced when most of us were taking a break from business, but it caught our attention all the same. This combination follows the Anthem / BlueCross bid to purchase Cigna […]

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