Caffrey Insurance Solutions

Lynn Caffrey, Principal & Gabriel Caffrey, Broker  

Providing Clear and Creative Health Insurance Solutions
November 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.
Group Coverage Could Help Your Next Tax Day
If you are currently considering small group coverage for your employees, you may not know that in addition to tax-deductibility of premiums, there are also tax credits available to groups of 2-50 employees. For more information, please feel free to check out the provisions of the act.  
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  

Don't  report us to the newsletter police, but we are very late getting our broadcast out this month. We may have been too busy (a good thing) or too lazy (a bad thing), but we are late in any case.  While you're sleeping off the turkey torpor and enjoying the leftovers and shopping frenzy, please accept this as our best effort to stay in touch and let you know we care a lot about you, and we are grateful that you are here. Thank you and please read on.

We've got big news this month: Gabriel Caffrey has earned his California insurance license! He is interested in hearing from small groups, particularly innovative tech companies just getting started in the world. We look forward to the growth of the company and our clientele.

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.

Re-Framing Your Career   

In these times of turmoil, we are dealing, more and more frequently, with self-employed workers who have trouble finding adequate health insurance. In many cases, self-employed professionals have no choice but to seek out individual-only insurance. These policies are generally less comprehensive and more difficult to qualify for than any group coverage.

If you are having difficulty finding the right solution for you, give us a call and let us help you re-frame the questions you may have. We are adept at finding solutions that might not occur to you. Please feel free to call and run your situation by us; we might have ideas for you.

Announcement: Caffrey Medicare Genie 

Medicare Genie  

We have added a new online feature to our services that helps you determine what Medicare Supplement Plan is best for you.  


The Medicare Genie is a great way to get the ball rolling on improving your Medicare experience.

Announcement: Medicare Open Enrollment Period Window is Closing   

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. But this option ends December 1st. Please contact our office if you wish to consider any changes to your coverage.

What Would Lynn Do?   

Q: I am 30 years old and am healthy - now. A few years ago I was successfully treated for cancer. I had surgery, radiation and chemotherapy, none of which were covered by insurance because I didn't have any. However, the State of California paid for it all. I still have no insurance but now I figure I don't need it because I'm healthy. What do you think?


Question Mark

A:  I think you're really taking chances, but here are possibilities that might occur to you:

  1. Apply for an individual plan, but you'd probably be declined.   
  2. Count on the State to pay again if something happens, but they might not.   

  3. Plan on using clinics in your county. 

  4. Find work with benefits even though you are self-employed.
  5. None of the above.       

None of the above.

I was pretty alarmed to hear your story. The state paid at least $100,000 for  you, but honestly, I can't see them doing it again when real insurance is available to you very inexpensively.  PCIP, the Pre-Existing Condition Insurance Plan, which is for all Californians who have been without insurance for at least 6 months and have a pre-existing condition or have been declined coverage, is affordable and has rich benefits.  Your premium would be $247 a month, probably $50 more than you pay for car insurance.    

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

Gabriel Caffrey
CA License: 0H66348