by CDA Inc | Jul 9, 2015 | Insurance, Long Term Care, Risk Management
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...
by CDA Inc | Jul 7, 2015 | Insurance, Long Term Care, Risk Management
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...
by CDA Inc | Jul 3, 2015 | Individual
Ask any kid what his favorite season is and nine times out of ten he’ll blurt out, Summer! Not that there is anything wrong with the other seasons, but Spring, Fall and Winter just can’t hold a candle to King Summer. After all, it is the only season with the absence...
by CDA Inc | Jul 2, 2015 | Insurance, Risk Management
As we approach the Fourth of July and prepare to celebrate our nation’s freedom, let us take a moment to address our personal Independence Day. The time will come when we go on perpetual vacation and we must each prepare for our own day of reckoning. Not only is the...
by CDA Inc | Jun 30, 2015 | Insurance, Long Term Care, Risk Management
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...
by CDA Inc | Jun 25, 2015 | Insurance, Long Term Care, Risk Management
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...
by CDA Inc | Jun 23, 2015 | Insurance, Long Term Care, Risk Management
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...
by CDA Inc | Jun 19, 2015 | Individual
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...
by CDA Inc | Jun 18, 2015 | Insurance, Long Term Care, Risk Management
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...
by CDA Inc | Jun 16, 2015 | Risk Management
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 our beds. We have...