Explaining Co- Insurance in a Nut Shell

How does Coinsurance work? Let’s say you have a building that you believe would cost $100,000 to replace and a coinsurance penalty in your policy of 80 percent. You insure the building for $80,000 thinking you have fulfilled the coinsurance clause. A fire loss causes $60,000 worth of damage so[…]

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Blue Cross Individual Insurance leaving the mountain area

If you are enrolled into Anthem Blue Cross this may affect you. This November 1st will mark the beginning of the 5th open enrolment period under the Affordable Care Act, otherwise known as Obama Care. Individuals will be able to purchase insurance through the State Marketplace, Covered California, or direct from their[…]

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The Medicare Maze

Here’s how to unravel the complicated programs: Medicare is for people 65 and up and comes in four parts. Part A, for hospital bills, is “free” and supported by the payroll tax, but also has copays and deductibles. Part B, which covers doctor bills, and Part D, which covers prescription[…]

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The Story Of The Oakhurst Community Park

Oakhurst Community Park A Modern Fairy Tale     Once upon a time, in the early 1980’s, a small group of Oakhurst residents banded together to recreate a local park similar to those each fondly remembered from youth. It would be a place with swings and slides; a place with[…]

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