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.


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


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.



When it comes to business, including health insurance, nothing…absolutely nothing is FREE. I get so tired of hearing the TV pitchmen shouting FREE! New Medicare insurance now available with FREE DENTAL! FREE HEARING! FREE MEALS! FREE! FREE! AND MORE FREE! Today, I got a cold call offering me FREE benefits! I thought, this is not right. That person just might not know what coverage I need, or know the best doctors in the area, or know much of nothing to HELP me, not SELL me. Why is it they can shout FREE on TV when Medicare tells me this is not an acceptable practice?

Please believe me while today’s Medicare Advantage policies come with lots of extra benefits but THEY ARE NOT FREE. Most of us are paying about $145 a month or more through Social Security to support the Medicare system, so none of this is just free. I represent some fine companies, but each one is unique. It is my job to find the best coverage to fit my client’s needs. That is what I do, and I want to continue to do it the right way. I spoke to one of my clients today who recently received SIX COLD CALLS offering her new free benefits if she would sign up. She told me she couldn’t even speak a word as they rambled on about all the benefits she could have if she just agreed to their proposals.. I am sure some of you have had the same or similar experiences that leave a bad taste in your mouth when it comes to health insurance. This really disturbs me. I work with a fine group of professional agents who know the right way to assist a beneficiary. I AM GLAD TO BE ONE OF THAT GROUP. THERE IS NO FREE LUNCH.

  • Lou Reinitz LJR Insurance Solutions