| Customer Care |
We welcome your suggestions as to how we can expand our customer care, so please feel free call or send us a fax or email. If you need supplies or service, we consider that a priority and will endeavor to meet your needs in the most expedient manner. Telephone: 818.884.8554, Fax: 818.884.6696 and Email: robbinsinsurance@attglobal.net
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PrivacyPolicy |
The ClientCall is distributed to customers of Kenneth Robbins Insurance Services, and other recipients, by request. We do not sell, rent or share our subscribers' information (subscriber name, company and email address). We highly value our customer's privacy as well as their trust in our discretion and services. If you have any questions regarding our policies, please do not hesitate to contact us. |
Our Mission:
We believe that nothing is more important than serving the needs of our clients. We like to touch base on a regular basis so that we know what you need and how to help. We send our Client Call to you each month to let you know that your business is important to us. In every issue, we strive to find the most interesting, effective information and web-based tools for our clients.
Sincerely,
Kenneth Robbins and Staff |
| About Us:
Kenneth Robbins Insurance Services
20501 Ventura Blvd., Suite 384
Woodland Hills, California 91364
Tel: 818.884.8554,
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July 2009
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Greetings!
It's that time of the year: drag out the hibachi (take care not to start any raging wildfires) and celebrate the birth of our nation with burgers, ribs and charred hot dogs (is there any other way to make them?) or perhaps you'd like to spare the spareribs and go the vegan route. Eww... you (non-vegans) say? Well, your editors aren't vegans, but we found a blogsite with recipes that made us willing to convert ... for a while.
Even if you're not one of those tofu-eating vegan-types, check out this blog, TheBloomingPlatter, just to see beautiful and mouth-watering food (there is a section, a few clicks into the blog called "Food Porn" - you'll understand once you get there.) Those charred hotdogs are starting to lose their appeal; however, the photo of "Chiles Rellenos Stuffed with Mushroom, Soyrizo, Plantains and Cheddar Teese, Plantain and Coconut Milk Sauce" - oh, my! This blogsite leaves us with weak knees and a growling tummy!
Let's move from food to other summer events. We found a nifty web site, BeachCalifornia, where you can find parades, fairs and festivals in your area. Why hang around the house when you can enjoy the Loggers Jubilee in Fawnskin (no, we don't have a clue - try MapQuest!) or the Gilroy Garlic Festival. If you fancy a Fair, a rodeo, art event, etc., you'll find links and information on the BeachCalifornia web site. |
| Enterpreneur.com |
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Joseph Benoit: Small Business Finance Strategist
Manage Expenses Strategically
Look in these areas to find things your business can live without.
By Joseph Benoit, June 23, 2009
During these challenging economic times, managing expenses has increasingly become a priority for many small-business owners. In fact, many have taken inventory of their expenses and are taking steps to control costs in 2009.
If you are a small business owner looking for ways to manage expenses, you can begin by reviewing your finances to determine if are you incurring losses, breaking even or just barely making a profit... click here for the full article: Manage Expenses Strategically |
 InternetIntel |
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TheBloomingPlatter: yummy vegan recipes for your holiday celebration.
BeachCalifornia: a great resource for finding weekend fun in and around Southern California. You can have a little vacation without booking flights and hotels. |
 BulletinBoard |
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It never hurts to review the basics and, since it's summer and many of you are taking vacations, the temp might have a few questions. This is our little tutorial on dual health insurance coverage: Coordination of Health Insurance Benefits.
With the number of two-income families today, it's not unusual for families to have health insurance coverage from more than one health insurance policy.
Many health insurance policies (contracts) have a clause that allows the benefits of one policy to be coordinated with those of another health insurance policy. This clause, referred to as "Coordination of Benefits," describes which policy is considered 'primary', for claims payment.
Most insurance companies that offer individual and or group health insurance policies, follow the guidelines for coordination of health insurance benefits established by the National Association of Health Insurance (NAHI) board of commissioners.
A health insurance policy that does not contain a Coordination of Benefits clause consistent with the NAHI guidelines is always primary.
Which Policy is Primary?
Below are the rules set forth by the National Association of Health Insurance commissioners. The rules are listed in the order that applies to one's circumstances in how a claim will be processed: (***Note that these rules do not apply when one policy is Medicare or Medical.)
1. If the policy holder is the same for both contracts:
a. The plan that covers the policyholder as an active employee is primary.
b. If the policy holder has the same employment status (active/retired) under both plans, the plan with the earliest effective date is primary.
Coordination of health insurance benefits
2. If the policy holder is the spouse or domestic partner:
a. The plan that covers the policy holder as an employee is primary. The spouse's plan is secondary.
3. If the child(ren) are covered under more than one health insurance policy and the parents are married or living together:
a. The policy of the parent whose birthday (month and day) is earlier in the year is primary.
b. If the parents share the same birthday (month and day) the policy with the earlier effective date is primary.
4. If the child(ren) are covered under more than one health insurance policy and the parents are divorced or living apart:
a. The policy of the parent that the court has made responsible for health care insurance is primary.
b. The policy of the parent who has custody of the child(ren) is primary.
c. If the court has not placed responsibility on one parent to insure the child(ren) and the parents have joint custody, the policy of the parent whose birthday (month and day) is earlier in the year is primary. If the parents share the same birthday (month and day) the policy with the earlier effective date is primary.
d. If the natural parent elects to have the coverage under the policy of the step parent that policy is primary.
5. When child(ren) are covered under three (3) or more health insurance plans, primary coverage is determined in this order:
a. The policy of the primary parent.
b. The policy of the primary parent's spouse.
c. The policy of the other parent.
d. The policy of the other parent's spouse.
Obtaining Coverage from a Secondary Policy
If you are responsible for a portion of the bill after the 1st (primary) carrier has processed and paid the claim, one can submit the balance for 'consideration' to the second carrier. Please note the use of the term 'consideration' as there is NO guarantee that the second carrier will pay any or the entire portion of the bill that was NOT paid for by the primary insurance carrier.
When submitting the claim for payment by the second insurance carrier, one will need to provide the following:
1. an itemized bill from the health care provider;
2. the matching explanation of benefits (EOB) statement from the primary insurance carrier who first processed the claim.
Please let us know if you have additional questions about coordination of benefits. | |
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