by Barbara Kempen | Mar 23, 2011 | Uncategorized
Advances are being in medicine and people are living longer than ever before. This longer life expectancy increases the likelihood that long-term care will be required. Today, more than ever, Long Term Care Insurance is a key component of any financial plan....
by Barbara Kempen | Mar 20, 2011 | Uncategorized
While Winter was a time to conserve your energy and reduce activity, Spring is a time of regeneration, new beginnings, and a renewal of your spirit. Spring is the ideal time for cleansing and rejuvenation for your overall health and well-being. In Chinese Medicine,...
by Barbara Kempen | Feb 21, 2011 | Uncategorized
Medical Malpractice Insurance rate are on hold, as insurance commissioner Jones requested a review of the new rates. In a statement published this week, Jones said, that “unlike health insurance where I do not have the authority to reject excessive rates, the...
by Barbara Kempen | Feb 15, 2011 | Uncategorized
by Barbara Kempen | Jan 17, 2011 | Uncategorized
Read this article – Blue Shield’s behavior is unbelievable! Blue Shield of California defies state insurance commissioner over rate hikes The Los Angeles Times Defying California’s new insurance commissioner, Blue Shield of California has refused to delay...
by Barbara Kempen | Jan 7, 2011 | Uncategorized
After Blue Shield rate increase disaster, now the “child only health insurance policies” are another disaster for California residents. In the last quarter of 2010 with the exception of Blue Shield no insurance carrier offered anymore child only policies...
by Barbara Kempen | Jan 7, 2011 | Uncategorized
CA insurance commissioner Jones is requesting Blue Shield to hold off on rate increase for the planned increases of January and March increases. Please read this article, which has been published by the insurance commissioner Jones....
by Barbara Kempen | Dec 17, 2010 | Uncategorized
The “Medical Loss Ratio” is the amount that an insurance company pays for claims divided by the premiums that people paid for insurance . A claim is a bill for medical items or services. For example, if an insurance company pays an average of 80 cents in...
by Barbara Kempen | Dec 3, 2010 | Uncategorized
Gender used to be a factor in determining accurate pricing in the California individual health insurance market. Starting January 2011 accordingly to AB119 the gender rating will be eliminated for any health plan contract, and there are only gender neutral rates...
