Ask Colleen King

I always feel bad for people who find health insurance confusing–the things that really make it hard to understand, most people don’t even encounter. Most initial questions revolve around ‘what’s a deductible?’ Right after ‘what’s the difference between an HMO and a PPO (see my other post about that).
When evaluating a health insurance plan, either [...]

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Medicare Supplements, Medicare HMOs, do you need anything more than original Medicare? Well, if you’ve looked at how it works, you’ll know that there can be some hefty costs especially if you are hospitalized.

Medicare Part A you automatically get at age 65 if you’ve worked a specific length of time in the US. This mainly [...]

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Life insurance is one of those things that you don’t want to spend money on, right? If you’re like me, if you can’t eat it or wear it, I don’t really want to spend money on it. But do you really need it?
Keep in mind what life insurance is for. Growing up, I thought it [...]

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The topic of Long Term Care insurance can be a real tough discussion. We’re talking about something that deals with us aging, being unable to care for ourselves and it can be expensive! That’s uplifting.
I would have been able to put my head in the sand too if it had not been for a few [...]

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Health insurance is never a simple thing, but the things that really make in complicated (in my mind) most people never encounter. The difference between an HMO and a PPO is pretty simple, but NOT if you don’t deal with it regularly.

Health Maintenance Organizations (HMOs) are where you select a primary care physician [...]

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Annuities can be a good things for a lot of people depending on their retirement status, financial situation and age. There are essentially two categories–fixed and variable. In the fixed category, you have the regular old fixed annuity and fixed indexed annuities.
Variable annuities I’ll touch on briefly–only briefly because I don’t sell them, but want [...]

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Health Savings Accounts (HSAs) have been around since 2004 and grew out of the Archer Medical Savings Account pilot. Initially, there weren’t a lot of trustees that handled HSAs. But NOW, four years later, since people have figured out there is money to be made, most banks and more credit unions are offering them as [...]

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Life Insurance is always an odd discussion to embark on, and I try to get that out right off when I speak with clients for the first time. Basically, when couples are shopping for life insurance for the first time, what you are trying to figure out how much money one would need if their [...]

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Long Term Care insurance is being talked about a lot as baby boomers are starting to approach retirement. They/we are starting to need to go to the doctor a bit more, need a few more medications and find they don’t necessarily put it all together to figure out the obvious–we ain’t getting any younger!
What does [...]

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Group health insurance is a HUGE discussion in California. It has been over the past 2-3 years as concerns rise over the uninsured. As well as the cost of health care–wow, it’s all exploding.
The beauty of small group health insurance (2-50 employees) in California is that when a company is set up within certain parameters, [...]

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