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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 (Continued)
| A broker...
4. Provides expertise for particular benefits or administrative problems. |
| Testimonial | |
"With all the recent and upcoming law changes it feels ever more overwhelming to keep on top of what the best product is and how to maneuver through the maze of forms.
My company has had a longstanding relationship with Lynn and without her help and guidance, we would be lost. She is incredibly knowledgeable, helpful, responsive and resourceful on all levels.
--Christine Dell, National Jury Project
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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. |
| Your Health Insurance Agent Is Your Advocate | |
 There are many misunderstandings about the role of a health insurance agent.
If you have a legal problem, you consult an attorney. If you have a medical problem, you go to the doctor. If you have an accounting issue, you consult your Certified Public Accountant.
If you have an insurance problem, you consult Lynn.
Lynn is a professional health insurance agent. She is a well-qualified expert, and health insurance problems are her specialty.
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| 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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| Do you like this newsletter? | |
Many of you may be receiving this newsletter for the first time. I have been expanding my outreach efforts, but by all means, if you are not interested in receiving future newsletters, please click the unsubscribe link at the bottom of the page. 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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Greetings!
You've probably recently had to pay your monthly premium bill. It's a shock to look at every time, and after you've picked your jaw up off the floor, most of you sigh and write a check. But you may not have to accept the prices you've been paying.
This month, why not take a look at your options? We would be glad to run a complimentary comparison quote analysis on your existing policies. If you're seeking a comparison on your individual and family coverage, you can also go to our website and run a quick quote to see some options. We're glad to run these as well but the website can be a time saver for you.
Please join me in welcoming Gabriel Caffrey as a formal part of Caffrey Insurance Solutions, Inc. He is great at optimizing systems, bringing me into the modern age and making sure your needs are met. His direct email is gabriel@caffreyinsurance.com.
Finally, please visit our new website at www.caffreyinsurance.com. We are very proud of the changes we've made, which should make us even more useful to you. And although some of the content may be similar, for those of you who prefer following a blog we have our new blog (Ask an Agent) at http://blog.caffreyinsurance.com/askanagent/. Feel free to add us to your RSS reader. 
You'll discover that the site is much more interactive. We now provide online quoting for individuals, including the ability to submit an application directly online with most carriers. It's a great way to get an overview of the options. That said, we must caution that it's good to have a professional go over the plans before a decision is made and an application is submitted. Your expert, of course, is Caffrey Insurance Solutions.
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Ask Lynn / What Would Lynn Do?
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Q:
I just found out our insurance company doesn't want to renew us because we only have 1 person on the plan. What can we do?
A:
A. Make quick application for an individual plan.
B. Hire someone -- now.
C. Try to buy coverage at Costco.
D. Convert to Cobra.
None of the above are necessary and at least 2 of them won't even work. You can't convert to Cobra if there is no policy and Costco doesn't have a group medical plan. You can be turned down for individual medical and a new employee would have to satisfy a waiting period.
Here's what I would do: You can have a group with one person as long as you have at least two that are eligible. The other person or persons can waive coverage if they are covered by another group plan, such as a spouse plan or Medicare. You only have to prove the situation, which is not difficult to do.
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Providers Cave to Pressure to Delay Rate Increases
| Your voice is being heard by the health insurance industry. Blue Shield in particular, and other carriers including Anthem Blue Cross, Aetna, and PacifiCare, have agreed to delay implementation of their rate increases by at least 60 days from their initial March 1 date. This is in direct response to the hugely unpopular rate increases and the public outcry.
California Insurance Commissioner Dave Jones is steamed about these rate increases as well, and wants to make absolutely sure that they are necessary. Unfortunately, Blue Shield and other providers claim that they do need these increases to cover the cost of claims, so you may see your premiums rise this year anyway.
It is always our desire to bring you the best available plans for the best value. It's worth it to look at your plans every two or three years, as carriers are always trying to find innovative ways to keep costs down. |
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Health Care Reform Report:
Judge Strikes Down Entire New Health-Care Law
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There's been some surprising news relating to health care reform legislation. On Monday, January 31, a Florida federal judge ruled the entire law unconstitutional. This ruling was in response to a lawsuit by 26 states. It remains to be seen what the fallout of this ruling will be.  "The decision by U.S. District Judge Roger Vinson represents a more sweeping repudiation of the law than the December ruling in a suit brought by Virginia that found the requirement that most Americans purchase health insurance to be unconstitutional. As the judge ruled in the Virginia case, Vinson held that Congress overstepped its authority by compelling nearly all Americans to be insured or pay a fine. But Vinson went further: Likening the law to "a finely crafted watch" in which "one essential piece is defective and must be removed," he ruled that the insurance mandate cannot be separated from the rest of the statute and therefore the entire law must be voided." For the rest of the original article, please click here. More information about the lawsuit and the various implications can be found here. |
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Nine Ways the New Health Law May Affect You in 2011
| Opponents of the new health care overhaul law are threatening to repeal, defund and kill it in court, but that isn't stopping Washington from implementing a number of important provisions in 2011. While many people will welcome the new benefits, some will face higher costs as a result of the law.
The following are nine health law changes to take note of this year.
- Will You Get An Insurance Rebate?
- Lower Rx Costs For Seniors
- It Has How Many Calories?
- Higher Medicare Premiums
- Restrictions On Medical Savings Accounts
- Bolstering Seniors' Access To Primary Care
- Staying Healthy
- Trimming Medicare Advantage
- Fighting Hospital Infections
For more information, please consult the original article by Kaiser Health News.
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| 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
510-444-5447
Email: lcaffrey@caffreyinsurance.com
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