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.
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
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
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
Happy Easter and happy Passover to all! It is a time to celebrate life and the strength of the human spirit!
- 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
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
Yesterday, I went into our local supermarket to pick up a few items and I became instantly “sticker shocked”. It seemed like it was hard to find any item for less than five dollars. My money didn’t seem like it was buying nearly as much as it had in the past.
That unfortunately is true.
Our COLA ( cost of living adjustment) issued annually was adjusted to 1.35% this year. But recent government data showed the cost of living actually rose 2.3% faster than previously forecasted. Higher prices for gas, rent, healthcare (and groceries) mean we will fall nearly 1% behind inflation this year. Regarding healthcare, greedy big pharma hiked drug prices nearly 6%! Now the fact our COLA is lagging may not seem too important until you realize that 21% of married couples and 45% of singles rely on the program for more than 90% of their income. More Americans are falling into poverty and having trouble just getting food on the table every day. Add to that high unemployment and our COLA is not only flat, but too many citizens are being crushed by the burden.
- Lou Reinitz LJR Insurance Solutions
Throughout the day they assault your senses, ad nauseum. Call today to get all the wonderful Medicare benefits you are missing, and get money back every month too! Dental! Vision! free meals! free! free! Medicare ads on TV are relentless. But do they deliver what they promise. Before you dive in and start calling what is a national call center read the small print that appears on your screen. What? YOU SAY YOU CAN’T? BECAUSE IT JUST FLASHES BY TOO QUICKLY TO READ?
Well….here it is. I have capitalized the wording that is really important to make it easier to understand that in many cases this could be just another ” bait and switch ” presentation:
….IS NOT CONNECTED WITH OR ENDORSED BY ANY GOVERNMENT AGENCY OR THE FEDERAL MEDICARE PROGRAM. Members can enroll in a plan ONLY IF THEY MEET CERTAIN CRITERIA. Free eyeglasses, meals, Hearing aids HAVE LIMITATIONS. COPAYMENTS AND RESTRICTIONS MAY APPLY. Free Transportation LIMITATIONS ON MILAGE AND NUMBER OF TRIPS. Requires coordination with the carrier for approval…..PLANS NOT AVAILABLE IN ALL AREAS…..BENEFITS SUBJECT TO LIMITATIONS…THIS IS NOT A COMPLETE LISTING OF PLANS AVAILABLE IN YOUR SERVICE AREA….
You are much better off working with a local broker who has your best interest in mind, who knows the local marketplace. Also, an experienced broker like LJR Insurance Solutions will make sure your doctor takes the plan you are interested in, without pressure, and all the B.S. you might run into when looking at all the “free” stuff online that is subject to so many limitations and restrictions. Beware! There are Medicare beneficiaries who have called who find themselves enrolled in a plan that they didn’t even know they were being enrolled in.
- Lou Reinitz LJR Insurance Solutions “Medicare made stress free“