by CDA Inc | Mar 22, 2016 | Insurance, Risk Management
Have you ever weighed your food, measured your portions, counted calories & carbs and still not had success controlling your diet? For decades many of us have followed the low carb, low fat and low sugar regimens with mixed success. The daily struggle with...
by CDA Inc | Mar 17, 2016 | Insurance, Risk Management
Many of us have been offered a discounted cash price for health care services recently instead of filing claims with our insurance carriers. What is this all about? As insurance carriers negotiate deeper discounts with providers and healthcare offices have to fight...
by CDA Inc | Mar 15, 2016 | Insurance, Risk Management
I spoke with my pharmacist about a prescription refill and I was stunned that the only drug I fill at this pharmacy had doubled in price. Like most people, I had not paid a lot of attention to the cost of this medication since my copay was just $10 per month. I had...
by CDA Inc | Mar 10, 2016 | Risk Management
A client recently asked me how to protect his invested assets in case someone steals his identity. Most of us probably know of people who have had their credit cards used and maybe even individuals who have had their bank accounts hacked. Not many of us have had the...
by CDA Inc | Mar 8, 2016 | Insurance, Risk Management
This year everyone will need to show evidence of health insurance coverage when we file our taxes. Forms 1095-A, 1095-B or 1095-C will need to accompany W-2s and other tax filing documents. All of us will need to be sure that we have the appropriate form to complete...
by CDA Inc | Mar 3, 2016 | Insurance, Long Term Care, Risk Management
If we have not already, many of us will soon face our parents’ decline and the resulting decisions that will be required. A fall, a car accident, a hospitalization, each forces us to address our parents’ ability to continue in the lifestyle to which they are...
by CDA Inc | Mar 1, 2016 | Insurance, Long Term Care, Risk Management
It seems that, although we are living longer and healthier lives, our employment may not continue as long as we are willing and able to work. In the last few decades I have seen a pattern of “downsizing” once employees hit their mid to late 50s. Perhaps it is because...
by CDA Inc | Feb 26, 2016 | Insurance, Long Term Care, Risk Management
Many individuals who enrolled in Marketplace policies during the Affordable Care Act open enrollment period may have received notification that supporting documentation (proof of income/citizenship) would need to be forwarded by a specific date to finalize...
by CDA Inc | Feb 24, 2016 | Insurance, Risk Management
Many of us recognize that we will be a bit short of money when we would normally stop working, so we prepare for our “final careers”. Rather than addressing our lack of preparation now we believe that a few more years in the workforce later will bail us out. If we can...
by CDA Inc | Feb 17, 2016 | Insurance, Long Term Care, Risk Management
When we reach age 65 almost all of us qualify for Medicare coverage. Which parts, if any, we need to enroll in depends on our employment status. Those of us who are covered on plans with companies which have at least 20 employees are not as pressed to enroll in the...
