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About Caffrey Insurance Solutions
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Best Broker in the East Bay
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Ten Reasons to Use a Broker
| A broker...
1. Works for you, not the insurance company. It's important to have someone on your side. As your advocate, a broker explains the benefits, finds you the best plan for the money you can afford, helps through the underwriting process, and continues to be your first point of contact with any problems or questions.
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Special Update for Anthem Blue Cross Individual Policy Holders
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During November 2010 only, you may add your adult dependent children between the ages of 19 and 25 who are not currently enrolled, or who were previously cancelled from your policy, regardless of student or marital status. However, health history will be reviewed to determine your rates.
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Testimonial | |
"Lynn is not just an insurance agent. She is a trusted counselor."
--Brian Purcell, January 2010
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Review us on Yelp!
| We have recently set up our business listing on Yelp.com. If you have received good service from Caffrey Insurance Solutions over the years, please drop by and let prospective customers know about your experience. We really appreciate your time! Thank you. |
| Free California Prescription Discount Card |
As a resident of California, you and your family have access to a FREE Prescription Drug Card program. Simply download your Prescription Drug Card and receive savings of up to 75% at more than 50,000 national and regional pharmacies. You may create as many cards as you need.
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Greetings!
Many of you may be receiving this newsletter for the first time. I have been expanding my outreach efforts and have added many people I've done business with in the past to my newsletter distribution list. By all means, if you are not interested in receiving future newsletters, please click the unsubscribe link at the bottom of the page. I apologize for the inconvenience if my newsletter isn't to your taste and I very much appreciate your patronage. If we haven't spoken in a while and you have concerns about health insurance that I can help you with, please let me know.
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Ask Lynn / What Would Lynn Do?
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This is a real situation. The multiple choice answers are shown to let you come up with the solution. The actual answer is below in red.
Experience and expertise can often lead to solutions that are not apparent to the uninitiated. This question springs from a presentation I did recently entitled "What Would Lynn Do?".
Q: I work for ABC Company and I just found out my daughter wasn't added on to the plan when she was born in March and it turns out they don't have to because I didn't report her birth on a timely basis. My employer has been deducting for her but the carrier is not covering her. What happened and what can I do?
- Immediately cover her through MediCal or Healthy Families.
- Threaten to sue the company if they don't add her immediately.
- Self insure the child. How much can a baby cost? Open enrollment is only 10 months away.
- Ask the employer to change insurance companies as the baby would have to be covered with the change in plans.
- None of the above.
The employer and employee thought, because the premium was so high, that it must have included the child. Unfortunately, it was only an employee and spouse rate. Lynn explained the confusion and asked the carrier for an exception, and they agreed. Sometimes asking the right question is all it takes.
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Health Care Reform Report
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 There are a lot of things to discuss in the Health Care Reform Law regarding guaranteed coverage for children with no pre-existing conditions.
Case in point:
"The prohibition on pre-existing condition exclusions, which also prohibits denial of health care coverage due to a pre-existing condition, begins January 2014. However, health plans must implement this provision for children under the age of 19, beginning with plan years or policy years beginning on or after September 23, 2010."
This really only comes into play for individual plans as group plans cannot turn people down and can only impose limited pre-existing conditions if there is no prior coverage. In reality, most carriers have stopped selling to children and to families with children under 19 for the time being. This is because rates have been backed up at the Department of Insurance and have not yet been approved. There is also confusion about the provisions, so they are waiting until January to comply. At this point, Blue Shield and Kaiser will cover children, but not automatically, and they can be turned down.
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| Health Reform Hits Main Street |
Confused about how the new health reform law really works? This animated movie (9 minutes) -- featuring the "YouToons" -- explains the problems with the current health care system, the changes that are happening now, and the big changes coming in 2014.
Written and produced by the Kaiser Family Foundation. Narrated by Cokie Roberts, a news commentator for ABC News and NPR and a member of Kaiser's Board of Trustees. Creative production and animation by Free Range Studios. |
| 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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