Cravello Insurance Services has been selected for the 2019 Best of Santa Maria Award in the Insurance Agency category by the Santa Maria Award Program. California has the largest elderly population in the country with 3.3 million residents age 65 or older. Nearly one in four California households are involved in care giving on some level. This huge financial and emotional burden is measured in out- of- pocket costs and lost work.
I'd like to clear up a few misconceptions about LONG TERM CARE! WHAT IT IS AND WHO PAYS FOR IT! Long Term care is attention to the details of your well being by another person when you are unable to perform normal activities of daily living. This impairment may be physical or mental. We're hearing more and more about facilities popping up to provide several levels of care, from independent living to total confinement and personal care.
When shopping for an appropriate facility there are many issues that should be addressed. Only you know your health habits. Though we don't have a crystal ball we can pretty much know whether or not we are prone to prescriptions.
I'd like to clear up a few misconceptions about LONG TERM CARE! WHAT IT IS AND WHO PAYS FOR IT! Long Term care is attention to the details of your well being by another person when you are unable to perform normal activities of daily living. This impairment may be physical or mental. We're hearing more and more about facilities popping up to provide several levels of care, from independent living to total confinement and personal care.
When shopping for an appropriate facility there are many issues that should be addressed. Only you know your health habits. Though we don't have a crystal ball we can pretty much know whether or not we are prone to prescriptions.
Services
When shopping for a medicare supplement, be sure to read the booklet called Guide to Medicare mailed to you from Social Security which addresses this issue.
There are many companies and plans from which to choose.
For the most part these plans are standardized and regardess of the company you select the plan will mirror the same plan offered by a competitor.
Understanding how a medi-gap, or medicare supplement works can make your shopping trip a little easier.
Only you know your health habits.
Though we don't have a crystal ball we can pretty much know whether or not we are prone to prescriptions.
There are many companies and plans from which to choose.
For the most part these plans are standardized and regardess of the company you select the plan will mirror the same plan offered by a competitor.
Understanding how a medi-gap, or medicare supplement works can make your shopping trip a little easier.
Only you know your health habits.
Though we don't have a crystal ball we can pretty much know whether or not we are prone to prescriptions.
This is Billie Jo Cravello with Insurance Savvy and one of the first questions I ask my prospective clients is "Are you taking any expensive, well-advertised medications?"
One recent caller's response was, I don't understand that question, I have a $5 co-pay.
The caller may only pay $5 co-pay but guess who's paying the balance?
We, the consumer, with higher premiums.
Here's some food for thought.
Though very simplistic thinking, I generally place prescriptions in one of two categories.
With drug companies spending billions on advertising the benefits of these wonder drugs it is important to know exactly who's footing the bills.
One recent caller's response was, I don't understand that question, I have a $5 co-pay.
The caller may only pay $5 co-pay but guess who's paying the balance?
We, the consumer, with higher premiums.
Here's some food for thought.
Though very simplistic thinking, I generally place prescriptions in one of two categories.
With drug companies spending billions on advertising the benefits of these wonder drugs it is important to know exactly who's footing the bills.
LOCK-OUT: Unless you have a qualifying event you are LOCKED OUT of purchasing an ACA plan until the next open enrollment period.
There are several qualifying events that will allow you to enroll outside the Open Enrollment window of time.
However, there are strict government laws preventing insurance carriers from making exceptions from the "qualifying event" rule.
Plans now include maternity, pediatric dental/vision across the board regardless of age or gender.
Plans are still ACA compliant but you do not qualify for subsidies and will be paying 100% of your premiums.
There are several qualifying events that will allow you to enroll outside the Open Enrollment window of time.
However, there are strict government laws preventing insurance carriers from making exceptions from the "qualifying event" rule.
Plans now include maternity, pediatric dental/vision across the board regardless of age or gender.
Plans are still ACA compliant but you do not qualify for subsidies and will be paying 100% of your premiums.
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