by CDA Inc | Oct 6, 2015 | Insurance, Long Term Care, Risk Management
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...
by CDA Inc | Oct 1, 2015 | Insurance, Risk Management
The start of the Medicare Open Enrollment period is a scant two weeks away, so it is time for us to line up our pill bottles and prepare for our annual prescription review. Open enrollment for those of us under age 65 is a scant month away. Each year prescription...
by CDA Inc | Sep 29, 2015 | Insurance, Long Term Care, Risk Management
Last week we discussed how to select a health insurance plan if we are regular users of health care services. This week we will address the rest of us who barely visit health care providers and who are trying to control our premium dollars without taking excessive...
by CDA Inc | Sep 25, 2015 | Individual
Ask my lovely wife if I’m a procrastinator and she’ll answer without hesitation, “Of course. He’s a big fat one!” She’s been asking me to fix a frozen faucet in one of our bathrooms for over a year. She took over the family bill paying because the late fees got out of...
by CDA Inc | Sep 24, 2015 | Insurance, Long Term Care, Risk Management
Open enrollment: our annual pilgrimage into our personal healthcare analysis. Whether under age 65 or over this is a time that we should all review our recent medical care usage and forecast upcoming expenses as best we can. Many of us have options between high...
by CDA Inc | Sep 22, 2015 | Insurance, Long Term Care, Risk Management
Very soon many of us will face open enrollment for our health insurance benefits. Plan decisions need to be taken seriously as we risk not only dollars we pay into premiums, but also dollars we pay as our share of the claims we incur. So how do we best determine which...
by CDA Inc | Sep 17, 2015 | Insurance, Long Term Care, Risk Management
It may seem early to start discussing this, but open enrollments for health insurance will be approaching soon for many of us whether at work or through our personal plans. Health insurance deductibles continue to rise, premiums are certainly not coming down and...
by CDA Inc | Sep 11, 2015 | Insurance, Risk Management
…we don’t have to earn it. So what does this mean in terms of our long term financial needs? If we develop good health habits we should not have a lot of healthcare expenses. The money we don’t spend can be set aside for future needs, and even be grown with interest....
by CDA Inc | Sep 11, 2015 | Insurance, Long Term Care, Risk Management
My bait guy is king of the tall tale. Not that he makes them up. He just passes them along from other fishermen. I was in his shop the other day picking up my usual two dozen blueback herring for a little striper fishing. We were discussing whether the rain would hold...
by CDA Inc | Sep 9, 2015 | Insurance, Risk Management
In my last post we identified who should pay attention to the Medicare Open Enrollment Period which runs from October 15 through December 7 of this year. In this post I would like to explain what we should be paying attention to and why it is important to review...
