Ask Colleen King

A few weeks ago a delightful young woman asked me about health insurance, and what was good for a young professional or new grad, or people in general under 35. This answer is for you, Lisa Nicole Bell (http://wwwadivinebook.com). You really need to check her site out, she has a lot to offer in these 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 →

There aren’t too many things more complicated that the collection of Medicare Advantage plans available to our Medicare population. There used to be Medicare HMOs and Medicare Supplements. Well Medicare Supplements are still around and serve a great purpose; they work similarly to a PPO health insurance plan because you can go to any doctor. 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 →

Now that we have our new president in place and we’re all hoping things financially will improve, let’s talk about the reform of the health care/insurance system. It’s not going to be free, in fact it could be quite costly. Are you will to do it? Here is an excerpt from an article the Associate Continue reading →

First of all, Happy New Year! Here’s hoping 2009 treats people better than 2008. In the individual health and group health insurance arenas, medical insurance covers medical problems only. The thing we used to debate when I worked for a carrier years ago, is what’s the difference between what is and is not covered under Continue reading →

Health Insurance, life insurance, annuities, long term care insurance–okay, my usual topics are in. But today’s article is not to talk about insurance, I just want to wish everyone a Happy New Year. 2008 was a lousy year for many people, so kick it to the curb and get ready for 2009. As far as Continue reading →

Health insurance thoughts are usually more focused on what doesn’t work instead of people being grateful that they have it. Not all plans are good, but most are. The actual cost of care would wipe most people out if something significant happened to their health. But if you purchase your own coverage or you obtain Continue reading →