WE REALLY DON’T KNOW…

Was it Lincoln? Barnum? We really don’t know…BUT

We really don’t know who said it. Was it “Honest Abe” or P.T. Barnum, but it is as true today as it ever was:

“YOU CAN FOOL ALL THE PEOPLE SOME OF THE TIME, AND SOME OF THE PEOPLE ALL THE TIME, BUT YOU CANNOT FOOL ALL THE PEOPLE ALL THE TIME!

Proverbs 19:1 – Better the poor whose walk is blameless than a fool whose lips are perverse

Words to live by.

  • Lou Reinitz LJR Insurance Solutions LLC

WHOOPS!

THE POWER OF SANITIZING

The COVID crisis has seen countless little spray bottles of sanitizer being sold throughout the country. I carry a couple in my car, and one at home. But using care with these products is important. Just remember, smoking can be bad for your health, as witnessed here.

  • Lou Reinitz LJR Insurance Solutions LLC

WILL THE ACA SURVIVE?

SUPREME COURT TO TAKE UP CASE IN NOVEMBER

On November 10th the Supreme Court will review the constitutionality of the Affordable Care Act. The potential impact of their decision will have major impact on the healthcare coverage of millions of Americans. Last year a federal appeals court ruled the Affordable Care Act’s individual mandate was unconstitutional, and cut the tax penalty to $0. Currently in California however the penalties for not being enrolled in creditable health insurance are in effect. The administration previously argued that the pre-existing protection in the plan should be overturned, but now has stated that all of the ACA should be invalidated. Individual enrollments in ACA plans have risen 2.3 million in the last three years, so the court’s decision will have a far reaching effect on our healthcare system.

  • Lou Reinitz LJR Insurance Solutions LLC

PRAY FOR THE CHILDREN

The Coronavirus pandemic has been especially bad for kids, according to a Medicare news release, especially for the young of those in Medicaid and the Children’s Health Insurance Program (CHIP). That’s over 40 million children living in poverty, many with special needs, who because of the health emergency are receiving reduced health services, including speech therapy, physical therapy, and occupational therapy. For these children staying healthy depends upon routine healthcare. Compared to last year they are receiving 22% fewer vaccinations, and 44% fewer services to access physical and cognitive development. Autistic children are particularly vulnerable during this crisis. Adding to the problem is the uncertain reopening of schools as these students do not fare as well with virtual learning. This situation, if not corrected, will impact our country negatively in the years to come. We must be aware this could result in a national tragedy. It is time to pray for the children, the families, and for our troubled nation.
  • Louis Reinitz LJR Insurance Solutions LLC

LET’S KICK BROADWAY JOE TO THE BENCH!

Day after day on TV channels that are watched by many senior citizens we find the old quarterback Joe Namath pitching the so called “Medicare” help line. The “pitch” implies that beneficiaries can obtain all kinds of FREE benefits and to call for all the FREE information.. Now, in his day he was a great quarterback but this presentation calls for a 15 yard penalty for misleading information. First, this TV ad has nothing to do with a Medicare sponsored presentation. Furthermore, nothing is FREE. There are good benefits, many with $0 premium for plans, however we support the Medicare system with a monthly payment of $144.60 minimum currently, paid through Social Security for part B coverage. When you call the number Joe calls the signal for, you will be connected to a national “call center” who will then sell your lead to a broker. That individual may not be familiar with the resources in your area. Some great local lines may not be available to them either.

So, you should be dealing with a LOCAL independent licensed broker (like LJR Insurance Solutions) because we know the physians, specialists, hospitals, and all the ins and outs of all the plans we are certified with. As fiduciaries, our job is to do the very best for you and we suggest the plans that fit your need for not a penny extra ever.

And who do you call when you have a question or a problem? Broadway Joe? An agent who you really don’t know? If they put you in a plan that your doctor doesn’t take, what do you do then…punt?

My opinion is that they are doing a major disservice to Medicare beneficiaries by this type of advertising. We really are there to help, so score a touchdown every time by using a qualified local agency!

  • Lou Reinitz LJR Insurance Solutions LLC

CURES, AND UNSURES

CONTROVERSY ABOUT MEDICARE CHANGES

While Medicare recipients have been enjoying lower premium rates for Part D drug coverage, several new developments may change that in the future. Although plan specifics cannot be released until Oct. 1st,Medicare has announced some notable changes. First, there is the “Cures Act” just passed by Congress that gives those with ESRD the right to enroll in plans designated for those with kidney failure. This will be the first time those beneficiaries these plans will be available. Also, there will be a much needed $35.00 cap on Insulin prescriptions, just announced by CMS. These changes alone could add to beneficiaries’ costs, but muddying the waters are three recent Presidential executive orders that could also negatively affect consumers according to an article published in a Healthpayer Intelligence news release.

The so-called “Rebate Rule” would restrict the ability of Pharmacy managers to obtain medications from foreign sources which could result in large savings. In addition, $100 billion is slated for drug makers as a “bailout”. There is much disagreement as to what these changes could bring. According to the American Health Institute Providers (AHIP) Medicare part D premiums could escalate as much as 25%, and we could see our current part D budget of 2.7 billion soar to about 7.9 billion by 2029. All this means more money out of our pockets for premiums and prescription medication. Let me know your comments by emailing me at louisreinitz@ljrinsurance.solutions

A WARNING JUST ISSUED!

Don’t fall for any of these!

It seems like everyday I am getting suspicious robocalls about COVID-19 cures and products. Have you gotten any offering free face masks if you give them your Medicare number? DON’T DO IT! There are so many scammers out there trying to take advantage of seniors during this difficult time. Perhaps you have seen an online post offering FREE virus test kits or cures. Listen- you can prevent Medicare fraud by never giving your protected health or personal information to someone you don’t know. If they are offering something for nothing you can bet it’s a scam! If you suspect fraud you can report it to 1-800-MEDICARE.

-Lou Reinitz Certified Agent LJR Insurance Solutions LLC

LOVE OR MONEY?

A very personal message

Today, I turned down an opportunity from a major national carrier to work at a drug store to find perspective enrollees for their Medicare plan. I would have been at the store three times a week, sitting at a table replete with the company’s information and my business cards. Mind you, this is a great retail location with lots of traffic, great management, and an insurance carrier who offers great products with many extra benefits. I know I would have made multiple contacts with interested individuals, a good percentage of whom would have become my clients. Last year I worked at this location and had much success. Still, as excited as I was about the appointment I know I did the right thing in not taking advantage of it at this time. You see, my wife has a heart condition and a valve replacement and with the Corona virus still running out of control throughout the nation there were no doubts in my mind I was using good common sense. Here in the Coachella Valley the Eisenhower Hospital’s ICU unit is at or near capacity due to COVID-19, the death rate continues to rise, and still there are those who resist wearing protection which blows me away. If I had decided to cover my retail post during this perilous time and then brought home disease to my wife that could have caused serious problems for her, I never would have been able to forgive myself. So, I will continue to work from my office in Palm Desert, helping beneficiaries six days a week, albeit virtually. Better to do less business and stay safe, especially with our medical conditions and being in our 80s. To do otherwise would be foolish indeed.

IS LIFE WORTH MORE THAN MONEY?

WHY YOU NEED A LOCAL BROKER WHEN ENROLLING IN A MEDICARE PLAN

We are dedicated to doing the best job for you!
  1. A qualified and experienced local broker (like LJR Insurance Solutions) consider you as a special individual. not just another number.
  2. Good brokers do not try and SELL YOU, but rather assist you in finding the enrollments that FIT YOUR NEEDS
  3. LJR Insurance Solutions knows the local physicians and medical resources and is available year around to assist you.
  4. LJR Insurance Solutions will check your medications on request to make sure you have the correct plan in place saves you the most money.
  5. You are not just a one-time shot, but hopefully a long, mutually beneficial relationship. We are only happy when you are happy.
  6. WE TRULY CARE, and are dedicated to doing the BEST JOB for you.
  7. Using an experienced local broker doesn’t cost you one red cent.
    We have been assisting clients in five states for over a decade with their health insurance needs. May we help you?