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 [...]

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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 [...]

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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 [...]

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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 [...]

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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 [...]

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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 [...]

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Health Savings Accounts (HSAs) are a great way to handle health care coverage for many people. In order to have one you need to have a specific type of health plan, referred to as a Qualified High Deductible Health Plan (HDHP). In order to qualify as an HSA eligible HDHP in 2008, plans for a [...]

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Health insurance tends to be confusing to most people, so going to a big, national web site to decipher what all is available might be okay for some. If you really understand it, then go for it. I can understand wanting to do it on your own and not risk being pressured into buying more [...]

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I was on vacation last week, and even though I was out of cell phone and computer/wireless range, there’s always someone talking about health insurance. I was in a cab on the island of Aruba, which is beautiful. My boyfriend and I with another couple had gone to a great beach and in the cab [...]

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When dealing with Individual Health Insurance, depending on your personal health history, it can be dicey to apply because you don’t know whether you’ll be accepted or not and if you are, and are offered coverage at an above standard rate, will it be affordable? Depending on your situation there are some options in California, [...]

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