November, 2010  Getting Ready for Winter

Barbara headshot

Solid Health Insurance Services

Health, Life & Trust 
Barbara G.Schmalz

310-909-6135

Greetings!
 
 With all the changes in the Health Insurance Industry there has never been a more important time to review your current health insurance.What is your yearly deductible and out-of-pocket maximum, which will renew in January? Does it make sense for you to move into a plan that follows the new health care reform, or should you stay on your "grandfathered plan"? Though the premiums of these new plans are slightly higher, but they also come with great incentives, such as preventive care at zero cost to you.Pick the right plan

Take the time to review your plan for the next year. Changing plans or companies might increase your benefits and still save you money!
Read about the difference between the health care reform compliant plans and your old "grandfathered plan" on my blog


In This Issue
AEP For Seniors
Never Up Set the CA Insurance Commissioner
November is Lung Cancer Awareness Month
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Ready, Set , Go ....- November 15th the AEP-Begins
Annual Ennrolment
Anyone over 65 years who wants to review or change  their Medicare Supplement, Advantage or Prescription Plan for 2011, can make changes in the Annual Enrollment Period from November 15th to December 31st.
If you or any of your friends or family members need help with any Senior product, do not hesitate to contact me at 310-909-6135 or info@solidhealthinsurance.com.

Never Up Set the CA Insurance Commissioner ...
Anthem upsets Poizner
By now Anthem must have learned their lesson not to upset the CA-Insurance Commissioner. Although Anthem has submitted their new health care reform compliant rates by
the end of June, only 5 out of 43 plans have been approved. New Business for individuals at Anthem has been at at a stand still for six weeks. Anthem's competition such as Blue Shield, Healthnet and Kaiser could not be happier. Blue Shield just announced that there is no rate guarantee for any application submitted after October 1st.
With all this "fiasco" the consumer gets actually short changed. There is less competition  and  "non-rate guarantee plans" are really unacceptable. Why wasn't  it mandated that all individual new insurance plans should have been switched to be compliant starting September 23, as they did for all new group plans.  How does a consumer know, if the new plan is a "grandfathered" or "non grandfathered plan"?
I wonder why there is actually no press article about this.
 Please send your comment to email or my blog

November  is Lung Cancer Awareness Month
Lung Cancer Awareness MonthLung cancer is responsible for almost 1/3 of all cancer deaths in the U.S.  Among women, lung cancer is responsible for more cancer than breast and allgynecological cancers combined. It is the leading cause of cancer mortality in both men and women worldwide,with 1.3 million people dying from the disease each year.

The American Cancer Society estimates that there will be 219,440 new cases of lung cancer annually in the United States, and about 159,390 people die each year from the disease. The link between smoking and lung cancer is well established. 50 % of new lung cancers are found in former smokers.
Aflac has one of the best cancer protection plan in the industry. For more info please call me at 310-909-6135.

Thanksgiving Feast
Wishing you a wonderful Thanksgiving with your family and friends.

Remember love, laughter and good times are the best medicine for you.

Relax, Love, Laugh and enjoy the Beginning of Fall. 

Happy Thanks Giving,
Barbara Schmalz  
                                          
  
Solid Insurance Services                                                               Great Tips for Thanksgiving 2010
310-909-6135 

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Referral
Fee 
 

Referrals are my life line!
A gift certificate of $ 15.00 for the company of your choice will be awarded for any referred closed insurance deal. 
Looking for a great real estate broker? Keller Williams
Did you know that my husband is a real estate broker associated with Keller Williams?
Do you know of anyone who wants to move? Are you tired of paying rent, do you know that the prices on the West Side of Los Angeles decreased on average 7 % from last year?  Problems with refinancing?
Do you want to change your career into Real Estate?
Contact  bob_schmalz@wlaregroup.com