Caffrey Insurance Solutions

Lynn Caffrey, Principal & Gabriel Caffrey, Broker  

 
Providing Clear and Creative Health Insurance Solutions
April 2012  
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.237

 

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.

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.

One of our clients, a group of six people, said, "Can you believe we saved $1,500 last year because you let us know about it?" For more information,
please feel free to check out the provisions of the act. 

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
RX
 
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. 

Testimonials

"Once again I commend you on your efficiency and professionalism. Thank you for getting to the heart of it and getting my son covered."

     --Taron Caine

 

"Thank you! Thank you! Thank you! I would probably still be on the phone with my insurer if it wasn't for you. Thanks so much, you're a life saver."

--Michelle Ruiz

 

"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."

       --Yelp.com Review247

 

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

--Elisabeth Schlessinger


Greetings!     Lynn Caffrey  

 

The season of rebirth is here, and in a few months insurance carriers will acknowledge just how important new life is to you. As of July 1, 2012, individual and family policies will be required to cover maternity benefits for all members. 

 

We strive to provide the best service and the best products at the best prices we can find. We are always grateful to you for our success and growth. 

 

Americans spend more than people in other countries on just about every medical procedure and doctor visit, according to a new report from the International Federation of Health Plans.

    

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.

Health Care Industry Update

Doctor Earth Stethoscope IMage

The Truth About Healthcare Reform

 

There are many aspects of the ongoing healthcare reforms. A clear review of these provisions was recently published in the Los Angeles Times:

 

"Provisions of the 2010 healthcare reform have already changed the lives of millions of Americans for the better. It has brought insurance coverage to more than 2.6 million previously uninsured young adults, cut prescription costs by a total of $3 billion for millions of seniors, eliminated co-pays on preventive services such as child immunizations and cancer screenings and eliminated annual and lifetime claims caps for more than 80 million policyholders.

 

When its broadest provisions are triggered in 2014, millions more Americans will be relieved of the threat that their insurer can dump them or jack up their premium to unaffordable heights just because they've fallen ill or been injured.

 

"No longer will people be bankrupted because they have a bad gene or a bad traffic accident," says Jonathan Gruber, a health economist at MIT who helped fashion the pioneering healthcare reform act in Massachusetts."

 

Jonathan Gruber has also written an illustrated guide to the concepts underlying healthcare reform. There are arguments both pro and con as to how well the Massachusetts health care reform pilot program is working, but in any case, the book is a useful resource for getting an overview of the main ideas. 

What Would Lynn Do?   

Q: I have a company with twelve employees and I'm going sort of nuts administering the benefits plan along with everything else I have to do. We've grown rapidly and it's getting out of hand. We offer a large variety of plans that the insurance company allows. What should I do?

 

Question Mark

A:  Here are some options that may occur to you:

  1. Outsource your benefits to a Professional Employment Organization which costs much more and still wouldn't provide you hands-on service. 
  2. Hire someone to take over benefits management in your company, which would also cost more.
  3. Hand your staff the insurance company literature and let everyone figure it out for themselves.
  4. Cancel your benefits and give your employees a stipend to get their own coverage.
  5. None of the above. 

None of the above.

 

At Caffrey Insurance Solutions, Inc., we offer more services than simply finding you a great plan. In designing the plans, we make sure there are enough, but not too many, choices. We communicate the plans to you, including providing materials that help employees make the best choices for them. We work one on one with each person as needed. In addition, we can arrange outsourced HR services that are free or very low cost.

How Long Will You Live? 

This easy and fun calculator estimates your life expectancy. It was developed by Northwestern Mutual Life.

They try to predict how long you're likely to live. It does say that it won't work if you have a long term health issue, but generally it works well. Barring long-term health problems, we're going to live a long time, most of us into our late 80's or 90's.

How will we ever pay for the insurance to cover such long lives? Smarter folks than us are working on these issues. When they figure it out, we'll be here to explain it to you. We promise. 

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.

As You Grow, We Grow With You   

Please ask about additional services and value-added products such as HR administration and online policy management tools.

About Caffrey Insurance Solutions 

Lynn Caffrey and Caffrey Insurance Solutions is a family business 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: [email protected]

Gabriel Caffrey (CA License: 0H66348) is interested in hearing from small groups, particularly innovative tech companies just getting started in the world. He is technically savvy with data management and is glad to help with infrastructure projects as well as ensuring efficient HR and benefits management for you.
Email: [email protected]