Ask Colleen King

This article was put out by the Associated Press on July 4 and it brings out a lot of points that people aren’t aware of within the European health care systems. You know, the ‘free’ ones that everyone thinks we should go to. Well, I’ve tried to edit it down a bit because it’s long, Continue reading →

Health insurance remains one of those things that most people still find confusing. For group health insurance, disclosing your health history helps determine the rates your employer gets. For individual health insurance, it determines not only rates, but whether or not you will even be accepted! Focusing on individual health insurance, all carriers ask about Continue reading →

Here is another term in Health Insurance, both Group Health Insurance and Individual Health Insurance that people don’t always understand. I would have posted this sooner, but it’s been a busy month! (“Help, I don’t understand!”) Coinsurance might be easier read with a hyphen; co-insurance. This is one of the three main questions people should Continue reading →

It’s getting to be that time of year when the four years of college (or five, or six) is about to wind up. At last. That tuition bill is going to be gone and the kid(s) will be out of the house. Then it occurs to mom and dad (not usually to the new grad) Continue reading →

A couple of months ago I did an article on COBRA coverage: how it works, and why you should or shouldn’t take it. Now that there’s a subsidy of 65% for people involuntarily terminated after September 1, 2008, the picture changes somewhat. Depending on how much the 35% you have to pay is, that 65% Continue reading →

It’s so nice to have people that keep you on your toes. Health Insurance questions abound when you ask for topics for this blog. Thanks to Lisa Nicole Bell again, www.adivinebook.com for this one. The plus for you, the consumer, whether it’s for individual health insurance of group health insurance is that the rates are Continue reading →

Health Savings Accounts (HSAs) are a great way to pay for your health care when you have a qualified high deductible health plan. One big benefit is that any money you deposit into your HSA is deductible on your federal tax return. It’s also deductible on some states’ returns (but not in California, just yet.) Continue reading →

COBRA–good news or bad news? These days people are either losing their jobs, their health insurance or both. What do you do? I know people aren’t always thrilled with their group health insurance plans but it’s scarier to think of being uninsured if you’ve ever heard the costs one can incur. But then you find Continue reading →

Health Insurance–group health insurance or Individual health, it’s the bane of most peoples’ existence. One way you can save money is on how you use your prescription drug benefit. Most of you will already know that many brand name drugs have generic equivalents. Whenever you can get a generic, with or without insurance, generics are Continue reading →

Health insurance, life insurance, business liability, homeowners, auto, rental property coverage, umbrella policies, long term care insurance–Wow! And of course, there are more types. A lovely woman named Rose recently posed that question to me. There are a lot of detailed reasons, but I’ll try and make it brief. First, you have to differentiate between Continue reading →