Caffrey Insurance Solutions

Lynn Caffrey

Providing Clear and Creative Health Insurance Solutions
October 2011    
About Caffrey Insurance Solutions
Caffrey Insurance Solutions
Phone: 510.444.5447
Fax: 866.530.7365 

Best Broker in the  

East Bay

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


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

Review us on Yelp!

Yelp Page


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.

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. 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.

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. 


"It's been a while since I encountered such superb client service in any area of business or life. Lynn is incredibly patient, super responsive, AND can translate insurance lingo.  


She is also friendly and genuine without being intrusive, overly chatty or fake, navigating the sometimes challenging boundary between professionalism and human interest with natural ease." Review


"If any friends out there are heading toward navigating the path to Lynn at Caffrey Insurance Solutions in Oakland. She's great!"

--Elisabeth Schlessinger

Greetings!     Lynn Caffrey 

Last month I travelled to London and Northeast Sicily.  The former was go-go-go with lots of shows, museums, restaurants and up and down Tube steps.

The latter was completely laid back.  My daughter and I only saw two tourist attractions; the rest of the time, we read, slept, lay on the beach or by the pool, and challenged a British couple to games of cards.  

The amazing thing we noticed was that the Italians, who constituted most of the guests, were tanned as brown as berries and smoked constantly.  Apparently they didn't get the memo.  Of course they seemed healthy and relaxed, unlike us, who had to force ourselves to jump off the fast track for a week.  It would be interesting to compare our longevity statistics but I'm afraid to do so. 

If we can help your health in any way, 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.

There's An App For That 

Since the untimely passing of Steve Jobs last week, we think it's a good moment to honor his legacy and discuss some of the ways medical information has become available to you and me - as apps on our smartphones, iPhones, iPads and other devices.  Jobs was a renowned innovator in the general sharing and spreading of information, including medical topics.

In this issue we'd like to pass along some apps, free and low cost, that could help with your particular medical needs.

10 Best iPhone / iPad Health Apps
We've discovered a number of apps on exercise and fitness, 50 top health conditions, carbohydrates, calories, snacks, glucose monitoring, women's health and children's health issues.

Apps for Seniors
There are a number of apps ideal for seniors, e.g., a pill identifier and drug interaction checker, first aid and CPR guide, allergy alert, pedometers, and so forth.

Announcement: Medicare Open Enrollment Period  

Open enrollment for 2012 Part D drug plans and Medicare Advantage Plans this year runs from October 15 to December 7, with new plans to take effect January 1, 2012.  For Medicare Supplement plans, some carriers are allowing an ongoing open enrollment if you switch to a plan of equal or lesser value. Please contact our office if you wish to consider any changes to your coverage.

What Would Lynn Do?   

Q: I'm leaving for a 3 month trip to Europe and may take a side trip to a couple of Middle Eastern countries. My travel agent has sold me trip cancellation insurance. What else can I do?


Question Mark

A:  You could:

  1. Ask your travel agent for a rider to cover medical problems that might come up.  
  2. Make sure that your health plan covers emergencies abroad. 

  3. Get your travel immunizations and let it go at that.

  4. Do nothing. Health care is inexpensive everywhere but here.
  5. None of the above.     


None of the above.

You need a specialized travel accident policy which is comprehensive and inexpensive. Do get the immunizations and make sure you have visas to all countries you may visit. An overall travel plan will provide medical referrals, transportation, translation, case management, medical reunion with families and in case of the worst, repatriation of mortal remains. The cost for a couple in their 40's for a 3 month plan with a $500 deductible and a $250,000 maximum would cost $410 for the full trip.   

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