Caffrey Insurance Solutions

Lynn Caffrey

Providing Clear and Creative Health Insurance Solutions
April 2011 
About Caffrey Insurance Solutions

Best Broker in the East Bay

I had the honor of being named Best Health Insurance Broker in the East Bay Express Best of the Bay awards.


The review said that I was "an extremely dedicated full service health-insurance broker". I do work hard for my clients; it is my job to find the very best insurance programs possible.

Website Update!  

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.  

Feel free to check out out blog, Ask an Agent, and add us to your RSS reader. Visit our blog


We recommend that you consult an expert before submitting applications. As always, your expert is Caffrey Insurance Solutions.    


"I refer you to everyone--I wish more people would take my advice! They shouldn't be doing this on their own.


Everyone needs a Lynn. I think you're amazing at what you do.  


-- Jenny Summers, Individual Client 

Review us on Yelp!
Yelp Page

We have recently set up our business listing on 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

Solutions -- Not ProblemsThere 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.

CIS Newsletter Archive
Check out our previous newsletters and dispatches from the wilds of health insurance.
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.
Do You Like This Newsletter?

Some 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.


Spring is in the air. Flowers are blooming everywhere, and you may be looking at your closets in dismay and starting the annual round of spring cleaning. While you're simplifying your life, why not let us simplify your health insurance options? You may be able to reduce the premiums you've been paying.


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.

What Would Lynn Do?  

Q: I haven't had insurance for a year and I've got some pre-existing health conditions. Kaiser turned me down.  I'm 27 and I was on my father's plan until I was 26.  I'm really worried about having no coverage. I work 2 part time jobs, neither of which offers benefits.  What should I do?Question Mark


A:  You could:


1.  Take out a temporary plan if you can pass the underwriting questions and at least have something for the next 6 months.

2.  Apply to several other carriers at the same time, hoping one of them will take you.

3.  Get a letter of explanation from your doctor and see if Kaiser agrees that your pre-existing conditions are not serious.

4.  Give up your 2 part time jobs and find one full time job with benefits.

5.  All of the above 


While all of these options have some merit, there is a great option that is frequently overlooked.  As part of health care reform, the PCIP health plan (see below), has excellent benefits and good rates, particularly for someone in their 20's.  And you meet all of the criteria, having been without coverage for at least 6 months and having been declined coverage within the last 12 months.

Pre-Existing Condition Insurance Plan (PCIP)  

If you're in the position of having had no insurance for six months and have some existing health conditions, you may have an extremely hard time getting approved by any major provider.  


Thankfully, there is a new option on the market called the Pre-Existing Condition Insurance Plan (PCIP). As an individual seeking coverage, please give us a call and I can help you get set up with the PCIP, which is a competitive option with surprisingly good prices.


For more information about the plan, please check out the offical site. 

Medicare Advocacy 

man with pile of paperworkI've recently been working with a lot of people approaching Medicare age. They come to me confused by the staggering amount of mail they are receiving. 


If you have friends or family who are perplexed by the seemingly overwhelming choice, send them my way and I can quickly set them straight. Understanding the options is very difficult and I know how to cut through the red tape quickly.    

Health Care Reform is Working for Small Businesses 

Doctor Earth Stethoscope IMage  

In a recent study referenced by an article in the Sacramento Bee, 57% of respondents to a poll didn't know that tax credits are available for small businesses thanks to the new health care reform law. This is unfortunate, because many small businesses might benefit enough from the tax credits to be able to offer health insurance to their staff. 4 million small businesses are eligible right now.

If your small business isn't getting any of these credits, please let us know. We'll see what we can to help out.

Planning on Traveling this Summer? 

If you are beginning to plan your summer getaways, we offer inexpensive travel policies to cover unexpected health issues while traveling.

We Have a New Associate! 

Bruce Gorman is pleased to announce his affiliation with Caffrey Insurance Solutions.  After several years of working as a health and insurance company executive and doing business with thousands of health providers and companies, Bruce brings his knowledge of the intricacies of insurance companies to his friends and colleagues in California. Bruce will specialize in supporting services for:

  • Behavioral health and social service agencies
  • Community-based non-profit organizations
  • Healthcare  practices
  • Senior citizens seeking Medicare choices
  • Hard to place individuals - offering counsel and recommendations  


Bruce can be reached at

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