Serving over 200 companies and more than 2000 families since 1988

2882 Sand Hill Rd. Ste. 119 - Menlo Park, CA 94025 - (650) 854-8963 - (800) 564-4476
Pleasure Point - (831) 464-9600

Posts made in July, 2016


As you enter retirement, covering the cost of healthcare will be one of your biggest challenges. You might already know that healthcare costs are currently climbing faster than the inflation rate. And since the rate of inflation is used to determine cost of living adjustments for Social Security benefits, you could potentially end up in a situation where your medical bills are rising, but your income is not keeping pace with expenses. In addition to that problem, life expectancy has increased to that point that most of us will spend twenty years or more in retirement. You might not notice a huge difference in medical bills (and other expenses) from one year to the next, but you can bet that there will be a huge difference between your medical bills in 2016 and your medical bills in 2030! For that reason, many senior citizens are closely examining their Medicare plan options, and making complicated choices between plans, to help manage their out-of-pocket medical spending. Traditional Medicare is divided into two parts, Part A (hospital insurance) and Part B (medical insurance). Each of these plans covers different medical needs. When you turn 65, you will enroll in Traditional Medicare, unless you choose a Medicare Advantage plan instead. Medicare Advantage plans must be approved by Medicare, and offer similar coverage, but are run by private insurance companies such as HMOs and PPOs. Medicare Part D is a prescription drug program, and is optional, additional insurance that you can purchase. Medicare Supplement Insurance includes plans that Medicare Part A and B members can choose to help manage their out-of-pocket expenses. These plans are regulated by the California Department of Insurance, but will differ somewhat in their offerings. As you compare Medicare plans, including Supplemental policies, remember that these plans are standardized and regulated by the government. That means each plan in a particular category must provide a certain level of coverage, but benefits can vary from one plan to another. Along with determining which type of coverage is right for you, you will also compare premiums between several different providers. If you feel overwhelmed by the dizzying array of different types of Medicare, don’t worry: We’re here to help you sort through your options. Call us for an appointment, and we can demonstrate the difference between each type of Medicare plan, and help you select a provider for your healthcare...

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This fall, many small businesses whose group health insurance policies renew on December 1 will see an increase in their premiums. And if you’re like most small business owners, you aren’t thrilled about the prospect of increased overhead costs. But luckily, a little loophole could help you to lock in a lower premium for the following year. Read on to see how it could work for you. Each year, 60 to 70 percent of California small group health insurance plans renew on December 1. Health insurance carriers have become overwhelmed with the volume, which coincidentally hits right at the beginning of a very busy holiday season. This translates into an enormous amount of work being performed all during one quarter of the year. And of course, health insurance companies are made up of people who want to take time off of work to enjoy the holidays, just like any other company in the country. To address this problem, many health insurance carriers offer the option to push up your renewal date to either August 1 or September 1. The benefit for them is clear: They get to avoid some of the madness that will strike in December. But to make the option appealing to you, the small business owner, they had to offer something in return. So in exchange for renewing your group health insurance policy early, many companies allow you to lock in a low rate that excludes predicted fourth-quarter premium hikes. This option is not offered by every health insurance provider, and might not work in your case for various reasons. But for most small businesses, locking in your rate this August or September will be an option. And of course, it also means you won’t be burdened with making complicated insurance decisions at the end of the year, when you might be getting ready for your own busy season. To find out whether your group health insurance provider is offering this valuable incentive, give us a call. We can help you sort through your options, and as always, keep your health insurance premiums...

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When was the last time you sought routine dental care? You probably know that regular dental cleanings and x-rays at your dentist’s office can help prevent common problems like cavities, gum disease, and even tooth loss. But did you know that regular dental checkups can also help you catch major health problems such as heart disease, cancer, diabetes, and osteoporosis in their early stages? As you know, early detection of serious health problems can be the ticket to recovery or at least successful management of the disease. So regular dental appointments protect not only your teeth, but also your health (and your checking account!). You’re probably aware of how deeply dental bills can impact your budget, especially if you have children. One root canal can cost about 1,000 dollars, and a crown can cost up to 1,500 dollars. Cavities can cost several hundred dollars each to fill, and as you know, children rarely have only one cavity. The cost of preventive maintenance, plus other procedures, can easily amount to thousands of dollars per year, per family. Dentists do more than treat routine problems like cavities, too. Did you know that some symptoms, such as chronic headaches or ringing in the ears, can be related to dental problems like teeth grinding and jaw disorders? Your regular medical doctor might even refer you to a dentist if he suspects these conditions… And yet, dental care is not covered by regular health insurance! That’s why dental insurance is such an important part of your overall healthcare plan. And it might be much cheaper than you think. Consider your typical spending on dental procedures each year (or the dollar value for procedures you’ve been postponing) and take a look at these coverage amounts offered by typical dental insurance plans: Type One coverage pays for 90 to 100 percent of diagnostic and preventive care, such as cleanings and x-rays. Type Two coverage pays for 70 to 90 percent of routine procedures like fillings and root canals. Type Three coverage pays for 50 to 70 percent of procedures like implants, dentures, veneers, and crowns. Type Four coverage helps with the cost of straightening and spacing teeth, for children under age 19. We’re now offering free dental insurance quotes, so give our office a call and we’ll put you in touch with one of our insurance specialists. We will help you compare the cost of dental insurance to the amount you’re currently paying out of pocket for dental care, and help you choose a plan that suits your...

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