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The “TINSTAAFL Theory”

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There is no such thing as a free lunch. We have all heard the saying, but somehow people think it doesn’t apply to them. Often people buy health or life insurance plans purely by lowest price. While low price seems good; “good value” is better. Read the following real examples:...
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What If – Could This Happen To Me?

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It’s late at night, you’re alone and driving home. You’re tired, but still have a couple miles to go. At last, you’re about a half mile from home. You relax and fall asleep at the wheel. You go off the road waking up as you’re going over some big bumps....
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Bits & Pieces

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Information Regarding Medicare Advantage Plans Want Your HMO Insurance Plan to Pay? Are you going to see a specialist such as an orthopedic doctor?  Did you get a referral?  Health insurance is changing.  With the exception of original Medicare and many of the pre-Affordable Care Act plans (ACA – also...
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Are your Pain Points Covered?

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Medicare Advantage Plans Higher hospital co-pays!  High co-insurance payments!! More out of pocket expense!!!  Some people call these “pain points” as they can take a bite out of a savings account.  What can a person do to control their “pain points”? The history: let’s first address Medicare Plans then health...
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