Caffrey Insurance Solutions
More information about Caffrey Insurance Solutions

Ask Lynn

This is a forum for information-sharing.
If you have a story from which others might benefit,
please forward along with your questions.  
 
As the new healthcare legislation rolls out, I know you will have questions, and I will answer them as best I can as information becomes available. Note that some of my answers will be superseded by specific insurance contracts.
 
With more than 30 years in the benefits industry, I am, first and foremost, a client advocate; the new laws will have no effect on my commitment to securing the best possible coverage for my clients. 
 

Testimonial

 
"I highly recommend Lynn Caffrey. She thoroughly understands the ins and outs of this bewildering field. She makes sure you get the right insurance plan for the best price and she is very professional. I have referred three clients to her and each has become a repeat customer. She is the best." 

Peter Boland, PhD
President
Boland Healthcare
Berkeley, CA

 
Greetings!

Lynn CaffreyMy marketing-savvy daughter told me that I was the last person in the entire Bay Area to send out a newsletter. I think that's a slight exaggeration, but I've been thinking about it for a long time as a way to stay in touch with my clients. 
 
What finally motivated me was the new health insurance laws. I'm getting calls from many of clients who are looking for clarity. Unfortunately, I don't know how much clarity I can provide at this point, but I will keep you informed about the new laws and their impact as soon as I have the information.
Caffrey at work
One of the most rewarding things about my job is being able to helpNew healthcare laws people find affordable solutions for their families. 
 
People have difficulty getting coverage at all ages. Recently a 64-year old woman contacted me. She had been terminated and was on Cobra. Normally her Cobra would have taken her to her 65th birthday when she would have been eligible for Medicare. 
 
She scheduled some elective surgery for January 7. On January 15 she learned her former company had cancelled the plan completely on December 31 and closed its doors.
 
Of course no one would take her and she was faced with a $75,000 + hospital, surgical, and anesthesia bill. Using my knowledge of HIPAA laws, I was able to find her retroactive coverage to cover the bills.

What's going on?
What's going on with the new laws, or are there other things that are getting attention? 
 
One of the most popular aspects is that dependent children will be covered to age 26 regardless of their student status. But watch the effective dates of this. It will start to become effective on plans renewing after September 23, 2010, which means it could be as late as September, 2011!
About Lynn
Lynn Caffrey and Caffrey Insurance Solutions is an employee benefits brokerage firm that provides insurance expertise for small companies (fewer than 50 employees) and individuals seeking Individual coverage.
 
Caffrey Insurance works with you to find the best insurance benefits that provide the best value, tailored to the unique needs of your company. 
 
California license information
Individual: 0557451
Corporate: OG80281
 
336 Lenox Avenue, Oakland, CA, 94610

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