by CDA Inc | Oct 13, 2015 | Insurance, Long Term Care, Risk Management
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...
by CDA Inc | Oct 9, 2015 | Insurance, Long Term Care, Risk Management
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...
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 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...
