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About Caffrey Insurance Solutions
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Best Broker in the
East Bay
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Review us on Yelp!
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Thanks to your great reviews, we now have a five star rating on Yelp. 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.
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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? | |
Some of you may be receiving this newsletter for the first time. We have been expanding our 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 we can help you with, please let us know.
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| New Associates | |
If you would like quotes for your group or individual investment plans, Lynn recommends Frank Pare of PF Wealth Management.
If you are seeking individual homeowners' or auto insurance, Lynn recommends Jain Williams of State Farm Insurance.
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| Testimonial | |
I want to thank you again for your tremendous services. I'm all set up and beginning this month I qualify for Medicare.
FYI, if I didn't qualify for Medicare this month, my premium would go from $895 per month to $1378 per month as of Sept 1.
That is a 54% increase! This is one time I'm glad I'm a "senior". Thanks very much--I've been spreading your name around.
--Karen Y.
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Greetings! 
Even though we haven't had much heat this summer, it is almost over. School starts back in two weeks!
I am happiest when I can solve a particularly gnarly problem so I declare myself open to the challenge. Whatever you have going on, let me take a shot. You might make us both happy!
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.
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New Healthcare Coverage Rules for Women Revealed
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 On August 1, the Federal government released new healthcare guidelines which require insurance companies to cover certain services as preventive care.
These services will allow for free birth control, domestic violence counseling, sexual disease screening and breast-feeding support. The guidelines go into effect by 2012 and will affect as many as 34 million women nationally between ages 18 and 64 who aren't currently covered for such services.
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What's New In Health Insurance for Children?
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This article will bring you up to date on making sure your children have coverage. There's good news and some bad news.
Children from ages 19 to 26 can be added to your individual and group plans. For the individual plans, they will need to be underwritten. For group plans, they can be added at your plan's open enrollment. If they were previously covered with no more than a 63 day lapse in coverage, they would not have any limitations for pre-existing conditions. There are no pre-existing condition limitations for HMO plans.
Children from ages 0 to 18 can no longer be denied coverage or charged with pre-existing limitations. However, they can be penalized 20 percent for the first year if they do not apply either during their birthday month or if they have not had previous coverage during the past 90 days.
This 20 percent surcharge will be removed after 12 months. In addition, if underwriting determines there are adverse medical conditions, the child can be rated up as much as 400 percent, depending on the carrier. The following table is intended to give you an idea of how four carriers handle children's coverage.
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Anthem Blue Cross
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Blue Shield
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Cigna
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Kaiser
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Load if no coverage past 90 days
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20%
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20%
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20%
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20%
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Load if not birthday month
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20%, combined with above
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20%, combined with above
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No
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No
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When is load lifted
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12 months
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12 months
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12 months
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12 months
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Maximum load for adverse medical conditions
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+ 350%
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+ 300%
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+ 100%
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+ 400%
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Can load be reduced?
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Yes, down to +100% during birth month if requested
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Only if under-writing agrees
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Only if under-writing agrees
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Yes, down to +200% during birth month if requested
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Ask Lynn
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Q: I'm a woman in my thirties with an eight-year-old child. I've been working as a schoolteacher and finally hit my limit, so I'm going back to school to complete my master's degree. I'll be living on a limited income, and my child has some pre-existing medical conditions. What can I do to insure my family?
A: You could:
- Enroll together for $400 per month.
- Separate your enrollments for $350 per month
- Keep your child on COBRA due to her pre-existing conditions.
- Both stay on COBRA.
- None of the above.
None of the above.
Due to your income level, your child might actually be eligible for Healthy Families. This is a program which allows dependent children to be covered for between $4 and $17 per month. It provides full coverage including dental.
Your qualifying income is greater than it would be for Medi-Cal purposes but still low; there are charts to determine eligibility. It turns out that you are eligible. We can insure you for $200 per month and your child for only $17.
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About Lynn
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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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