760.346.6565 [email protected]

When Group Coverage Ends

The current economy has led many to consider retirement a little sooner than they had planned. If you are already over age 65, your retirement is going to include some complicated health insurance options. When you turned age 65, you were enrolled in Medicare Part A....

ID CARDS

Please be certain you have your health insurance ID cards. For those of you on traditional medicare, you should have 3 cards: Your medicare supplement card, your prescription drug plan card, and your new medicare card, the one with a new number, not your SS number. If...

While the office is closed…

CALL US, Please leave a message. Whenever possible, we will be available by phone. We use an online phone system, so the messages can be picked up anywhere. We are doing our best to help you make sure you have what you need during this time. At every insurance...

Misleading Ads

Misleading “Medicare” ads. Have you seen a lot of ads for Medicare lately, mentioning new benefits and free reviews? There have been thousands of TV commercials lately, that appear to be from Medicare. They are NOT. most of these ads are what are called...

Lock In Period

So Many Changes The last three months brought a lot of changes to health insurance. We want to thank every one of you for your patience dealing with plan changes and re-enrollment. We are now in whats considered a lock in period. that means, the plan you have should...

Take a Mulligan?

My father taught me to golf when I was a teen. When I didn’t connect well on a tee shot, he would ask if I wanted to take a Mulligan. I had no idea what that meant at first, but most golfers know it as a “Do-Over,” a second chance at that stroke. Dad would only allow...

Medicare.gov Part D Tool

Medicare made a lot of significant changes to their Drug Plan Comparison tool. Some of the changes are great improvements, while others will make it much harder for all of us to choose the right Part D prescription drug plan. It will be much easier for us to help you...

2019 Rates for Covered CA

Good News for our Under 65 clients. We expect most plans to stay in the market for next year, with somewhat reasonable rate increases. right now, we know the state average will be about 8% increase, we are waiting on the Riverside county rates which will be released...

Need Help With Your Groceries

It is only Spring, but insurers are already making big changes to their Medicare plans for next year. Medicare has allowed insurers to offer new benefits in 2019 that are health-related. Some of these benefits will likely be, grocery shopping, home delivery of...

Underwritten Versus Guaranteed

Insurers are very cautious about taking on risk. They only issue policies where they believe there is a reasonable chance of collecting more in premium than they will pay out in benefit. For health insurance such as Medicare supplements, the insurer will determine the...