by Barbara Kempen | Apr 18, 2024 | Affordable Health Insurance, Health Insurance Brentwood, Health Insurance Pacific Palisades, Health Insurance Santa Monica, Member Benefits, Prescription Drugs
Navigating the healthcare system can sometimes feel like solving a puzzle, especially when figuring out who sets the price of your medications. One key part of this puzzle involves Pharmacy Benefit Managers, also known as PBMs. They have a big but often overlooked...
by Barbara Kempen | Apr 17, 2024 | Affordable Health Insurance, Blue Shield of CA, Covered California, Health Insurance Brentwood, Health Insurance Pacific Palisades, Health Insurance Santa Monica
In the ever-evolving healthcare landscape, negotiations between insurance carriers and healthcare systems are critical for ensuring patients have access to the care they need and premiums they can afford. However, recent events have highlighted the challenges and...
by Barbara Kempen | Mar 12, 2024 | Affordable Health Insurance, Long-term Care, Long-Term Care Insurance Brentwood, Preventative Care, Santa Monica Life Insurance
Although the American population is aging rapidly, Long-Term Care (LTC) insurance is held by only about 1 in 30 Americans and approximately 7% of adults over the age of 50. Studies show that someone turning 65 today has almost a 70% chance of needing some type of...
by Barbara Kempen | Mar 12, 2024 | Life Insurance, Life Insurance Brentwood, Life Insurance for Single Moms, Life Insurance Pacific Palisades, Life Insurance Santa Monica
International Women’s Day was recently observed on March 8th. Women make up the 51% of the entire United States population and 56% of the US labor force. Despite their significant representation in government, women still face challenges about the wage gap;...
by Barbara Kempen | Mar 11, 2024 | Affordable Health Insurance, Covered California, Federal Poverty Level, Health Insurance Brentwood, Health Insurance Pacific Palisades, Health Insurance Santa Monica, Special Enrollment Period
The Federal Poverty Level ( FPL) is a benchmark to assess individuals’ and families’ income levels relative to the federal poverty threshold. In California, health insurance premiums frequently adapt positively based on income in relation to the FPL....
