Archive | October, 2015

Call Your Broker

Open enrollment for individuals and families who buy their own health insurance begins on Sunday, November 1. That is the day that we will all be told which carriers will be providing plans in our area, what the plan designs will look like and what the premiums will be. Many people take this task on […]

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Do I Really Rarely Use Medical Services?

I have spent a bit of time recently writing about how to determine what type of health insurance plan best suits our needs based on how much healthcare we use. While thinking about this I discovered that who I thought I was is really different from who I really am. If asked, I would say […]

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Dog Gonnit

Duke, Ginger, Dobie, Buster, Princess, Dixie, Keeper and Tubby. These were my best friends, in order, since I was five years old. We never fought or argued and we went everywhere and did everything together. These were the dogs in my life and I loved them all. Yeah, I’ve had plenty of cats too. They […]

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Virtual Health Care

Many of us drag ourselves to our physicians’ offices when we are so dizzy and queasy that we have no business driving a car. How would we feel if we could call a doctor about our cold and flu symptoms, that nagging cough or the rash we just discovered rather than going to his office? […]

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The Career Train

Imagine each of our careers as a long train ride. We get on at the start of our work life and ride until it is time to get off. But when and where will that be? As we ride along we notice that some people get off our train at various stations and switch to […]

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Halloween Preparation

In a few short weeks our annual candy holiday will hit again. Our house has already gone through several bags of Halloween sweets as we prepare to share what is left with the costumed children who will come to our door. I guess my husband is checking for poison, because every bag has been opened […]

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Medicare Supplement or Medicare Advantage?

Each day thousands of us turn 65 and we need to address this choice. So how do we choose and what criteria do we need to consider in making this choice? Fundamentally, we compare apples and oranges when we face this decision. Remember, Medicare Advantage plans are the actuarial equivalent of traditional Medicare (Parts A […]

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Drop It In The Sack, Jack!!

I remember it like it was yesterday. You’re eight years old in 1960, living in East Hartford, Connecticut, and Halloween is only a few days away. No time for misstep now, on the threshold of this, the second most important holiday (next to Christmas) of the kid year. The prize – a full year’s supply […]

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Unpleasant Surprises

In our agency dealings we come across a lot of “gotchas” in many parts of the employee benefits picture. Whether our clients are individually enrolled or are part of employer based plans the surprises are very similar. Here are the latest unpleasant surprises we have run into: Many of us are not clear about non-emergency […]

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It’s the Last Quarter of the Year

What does this mean relative to our health insurance and other benefits? We should not postpone any treatment because we don’t think we will meet our deductible for the year. Most health insurance plans credit claims that go toward deductibles in the last quarter of the year into the next year. So, if we feel […]

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