Don’t Call Joe, Call Lou

Half Truths and Misrepresentations

We turn on the TV and throughout the day we are bombarded by Medicare ads. “Call today for the best deal on Medicare”, an old football player drones on and on with a combination of half-truths and head pounding oversell. But what is the truth? Can you really get a better deal by calling for “free information? The facts are when you call you will reach a national marketing center who will then sell your “lead” to an available broker who may not be familiar with the benefits and resources you need. His job is to sell you something. A local agent’s task is to consult with you to discover the plans that best fill your needs. Yes, those benefits that guy is shouting about (free vision, free dental, your part B returned, free chiro, free this, free that, free the kitchen sink) do exist but not all in ONE PLAN. What is falsely presented is a combination of the best benefits from ALL the Medicare plans rolled into one non-existent plan, This is a misrepresentation as some of these plans might not even be available in your area. So, can they save you money on a single plan? NO, because each plan is approved by Medicare and would be the same cost in premium and copays no matter who the agent is. CONCLUSION: Don’t call Joe, CALL LOU. You will get the services of an experienced and knowledgeable local broker and it will never cost you an extra penny for top quality service with no pressure. I act as a fiduciary to present the best choices to you and let you decide. No bull, no baloney. WE MAKE MEDICARE STRESS FREE.

Why Do Your Knees Ache?

Why you should know why you hurt

When I struggle out of bed in the mornings everything in my body seems to hurt-from my hands to my feet, and especially my knees. Now, this is understandable given I am an active senior in my 80s. They tell me it’s Arthritis, but what does that really mean? You see, there are two different types- Osteoarthritis and it’s evil twin Rheumatoid Arthritis. It is important to know the difference. Yes, they both hurt but Osteoarthritis is the degenerative type of disease and Rheumatoid is actually an autoimmune disease that is far more dangerous to your health. RA, as it is commonly known not only causes inflammation along with it’s payload of swelling and stiffness, but it can also attack your internal organs. OA comes on gradually, while RA symptoms seem to hit a lot quicker. You need to see your doctor and get tested as the treatments differ as well. Xrays and MRIs can help distinguish the difference between the two. RA can also be diagnosed by a blood test. If you have RA your doctor can prescribe medication that will help reduce the pain, and protect your heart, lungs, and other vital organs. So, if you are suffering similar ailments to mine, don’t wait-make that appointment today. You can not only feel better knowing which type you have but can live a much more productive life with the proper treatment.

  • Lou Reinitz LJR Insurance Solutions LLC

Unsolicited Medicare Calls and Texts Plague Seniors

Scammers and identity thieves targeting seniors.

Everyday seniors are being targeted by scammers and identity thieves with messages like: “(person’s name), we need to go over your Medicare options today. Our team wants to help you with your choices.” Does CMS (Medicare) approve of unsolicited calls and text messages? Not that I have heard. For well over a decade I have followed the rules-no cold calls or contacts. Yet today we are not only bombarded by half-truth TV ads urging us to ” call now “. But these more insidious contact methods are appearing frequently on our cell phones. Listen to Medicare’s advice: “If you are hit, hang Medicare (1-800-633-4227), don’t give your personal information. If you have…contact the Federal Trade Commission. ” Listen, I have built my business on truth, integrity, and customer service. It bothers the hell out of me to witness these abuses in our industry. Be careful and don’t be a victim.

  • Lou Reinitz LJR Insurance Solutions

Does the India Infection Surge Threaten the U.S.?

Will “Double Variant” cause “double trouble” in the U.S. a worry

India with a population of 1.3 billion is currently undergoing a second surge in COVID19 cases. Over 30,000 new cases daily have been reported. Hospitals are out of space and funeral pyres are burning in the streets. Maria Van Kerkhove, Tech Lead Officer at the World Health Organization has informed us that a new “double variant” identified as B.i.617 may be more virulent and has already been found in ten other countries including the U.S., and that could be worrisome. It’s still unknown whether this variant could present an “immune escape” meaning the antibodies created by previous infection or vaccine might not be as effective against it. We are already weary as a nation against the measures we have employed to fight the virus in our great nation including isolation and masking. To go back to these tactics might seem odorous, so let’s pray we don’t have to repeat them. should the Indian variant become a real threat to us. But we must stay prepared to do whatever necessary to protect our country from the worst case scenario.

  • Lou Reinitz LJR Insurance Solutions



We are all aware of the catastrophic physical toll of the COVID19assault. Over 560,000 American lives have been snuffed out to date. But often overlooked is the impact of the virus on our mental health that may linger long after the extended uncertainty and disruption fade into history. It is difficult to understand what long term effects will remain to further add to the prolonged stress we are living through. Sadly, the associated effects of the pandemic are felt primarily by younger people who are suffering ever increasing severe mental illness. Our already badly strained healthcare system is currently receiving increased service requests. Calls to physicians and other mental health providers along with more requests for telehealth conferencing are on the uptick. Unfortunately , this will be the “long haulers” version of mental health.

  • Lou Reinitz LJR Insurance Solutions


Single Payer Advocates try again to have the state take over healthcare, a bad idea

A group of Democratic lawmakers, led by State Assembly member Ash Kalra has recently proposed AB1400, also known as CalCare, that would provide a government monopoly on health care services in California. If passed, it would eliminate4 ALL private insurance including Medicare, Medi-Cal, Long-Term care, Covered California and more. Did I hear someone say “higher taxes” to try and pay for this questionable legislation? In addition to the monstrous cost, many consider this as an unworkable program. Expect to see intense opposition from health industry groups including insurers, doctors, nurses, and hospitals. In addition, Governor Newsome who already faces political pressure and a possible recall vote will feel more heat as the battle over this unwieldy proposal ensues. According to Ned Wigglesworth, a spokesman for the Californians against this costly “disruption of health care”, shifting to a single payer option would at this time be particularly harmful as we are still dealing with the harmful effects of the Pandemic. I totally agree and urge you to reject this proposal.

  • Lou Reinitz LJR Insurance Solutions


When the Pandemic Aid package passed, in addition to the provisions for economic stimulus, the ACA (also known as Obamacare) was immediately strengthened, but with a caveat. Before Congress approved the almost two Trillion dollar rescue package it was an economic strain for many middle class individuals and families who were eligible for a small or no subsidy to afford health insurance coverage. For example, a family of four could subscribe to a Silver plan for about $18,000 annually with large deductibles. However, the newly approved bill has a clause that limits the cost of premiums to 8.5% of annual income, thus reducing the economic load by about half. Based on an income of 100K a family would now pay no more for premiums than $8500 annually. It is expected many more people will now be to afford coverage. But here’s the rub-since this is a temporary stimulus bill the new cap would expire in 2022, and revert back to the original program in 2023. I wonder, since 2022 is an election year, will we be seeing political fireworks on this issue?

  • Lou Reinitz LJR Insurance Solutions LLC


Higher taxes, more debt could result

The idea of Medicare for All continues to be floated out to Americans today. While we continue to fight the COVID19 virus and we haven’t seen this in recent headlines you can rest assured it will be proposed again. It is still a bad idea for healthcare and here are some of the reasons: If we eliminate private healthcare, or damage it rather than working on improving the current system that has covered over 180 million of us we could experience an estimated 32 trillion in higher taxes in the decade to come, while seeing a 100% increase in our already soaring national debt. Nothing is free and to pay for Medicare for all could produce large increases in payroll taxes, estimated at close to 5%. A government run system could force thousands off coverage they would rather have, estimated at 130,000 beneficiaries in the first year alone. Dealing with government agencies can be difficult and slow response times to medical needs with longer waiting periods for needed procedures. And citizens residing in rural areas who are already holding the short end of the stick could find themselves at greater risk of seeing even more hospital closures.

Medicare for All is still a bad idea, and not the answer to improving our healthcare.



Today’s burgeoning senior population is made up of a diverse population consisting of the Baby Boomers (born 1946-64), the Traditionalists (born 1925-1945) and the rapidly disappearing Greatest Generation born before 1925. Seniors comprise about 16% of the population today, but are expecting to become a much larger segment in the future. There were 51 million seniors in 2017 and that is expected to nearly double to about 95 million by 2060. The group under the most pressure today are the “Boomers”. Also referred to as the “sandwich generation”. Many are caught between taking care of grown children who need financial assistance, especially those carrying the burden of student loans, while simultaneously tending to the needs of aging parents. Thus, the incredibly difficult “sandwich” that can be filled with weddings, funerals, and retirement planning. To complicate problems for this segment is the fact that less than 60% have planned for the “golden years” that oftentimes turn to brass. 70% of these folks mistakenly believe they can rely only on Social Security for a bright future. Sadly, that benefit is woefully underfunded and may not bring to life the dreams of an untroubled and secure retirement. Surely, a sandwich is no baloney at all.
* Lou Reinitz LJR Insurance Solutions