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  • Politics Is Like Hiring A Hitman
    by Scott Woods inPolitical on2020-08-13

    For me, politics is like hiring a hitman. I have values and things I care about. I care enough about them to at least bother voting for 5 minutes every year for one issue or another. And because I care at least that much, I vote for people who align with the ability to realize the things I care about.

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  • Punching Above Our Weight
    by Roger Madison Jr. inPolitical on2020-07-24

    I believe our vote is the punctuation of our voice. Without that resounding exclamation mark, I believe our voices are just incoherent noise.

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  • BLACK PROGRESS AMIDST SOCIAL CHAOS
    by Roger Madison Jr. inPolitical on2020-06-16

    Recent events have raised the profile of historical injustice and inequities here in the USA. The entire world has taken note of the fact that BLACK LIVES MATTER.   We invite all of our friends to engage in actions that result in the greatest movement for change in our history. It is imperative that we take advantage of this opportunity to affect a positive change by ACTING IN OUR SELF-INTERESTS.

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  • Living in a Black No-Man's Land
    by Roger Madison Jr. inOur Community on2019-10-28

    There are many narratives that define the Black experience in America in this 2nd decade of the 21st century. Our striving over the centuries of our sojourn in this nation is a tapestry of every human experience -- oppression, enslavement, forced assimilation, dehumanization, exclusion, segregation, isolation, struggle, perseverance, achievement, excellence, celebration, mourning, despair, progress, setbacks, lynching, assassination, genocide, terror, self-hatred, low esteem, pride,...

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  • Fighting Racism
    by Scott Woods inOur Community on2018-10-25

    I had a boss who was racist. Not an outright bigot, of course; her toolbox was more subtle than most. We bumped heads a lot over inconsequential things. She frequently couldn’t keep my name out her mouth. Lot of gaslighting. You know…2018 style. I tried a lot of ways to combat or navigate her issues. None of them worked, and that’s saying a lot because I’m really good at fighting racism. But at the end of the day – every day – she was my boss, I had to deal with her, and that was that. Finally I...

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Evaluating the Importance of Life and Health Insurance

 A recent Harvard University study showed that approximately 2 million Americans file bankruptcy as a result of medical costs associated with illness.  Having health insurance is more important than many people realize.  Even if you have to purchase your own policy now is the time to get major medical insurance as well as life insurance because you will not be able to get it if you are already sick or injured.  If you don't have it when you need it you will wish you did. 

In these troubling economic times most people are evaluating their health insurance coverage and everyone's situation is a little different.  The main importance here is that it is important to maintain some type of coverage for your health and finances. 

If you are currently on COBRA, you recently lost your group coverage, or have a preexisting medical condition that is un-insurable on the individual market, your best option is to keep COBRA. Un-insurable medical conditions include and are not limited to Cancer, Heart Attack, Stroke, Diabetes Type 1, Hepatitis C, Stint, Angioplasty, MS, or you have been recommended to have surgery and have not done so. In these situations, you must keep your COBRA the full 18 months, then you will have guaranteed acceptance to an individual plan through the Department Of Insurance or your state. If you are a
healthy individual on COBRA, it is a good time to look at individual coverage to see what is out there.

Traditional Copay Plans are expensive and many of us never use the copay function, but there are alternate plans on the market that can save you valuable monthly premium dollars. If you have an unlimited copay plan and do not use the copay function, many companies have plans that provide 2, 4 or 6 annual doctor visits and that could save you some monthly premium and still provide doctor visit co-pays.

In terms of HSA Plans - If you do not use doctors very often, maybe once or twice per year, an HSA Plan may be right for you. These plans usually have 100% coinsurance and only one annual deductible for your entire family. Once you hit your annual deductible, your entire family claims are covered at 100%. They have great tax advantages as well. In 2009 an individual can put $2,950 and a family can put $5,900 into a qualified Health Savings Account. If you are over 55, you can contribute an additional $900 per year. These funds are yours and gain interest, they can be used to fund your deductible as well as any qualified medical expense and if you don't use them, they roll over year to year and will provide monthly income after retirement.

Regardless of what situation you are currently in, it is a good idea to check with an Independent Health Insurance Broker to see what plans are available to you and your family. Going uninsured is never the best idea due to the financial exposure and potential to become uninsurable.  Taking the time to compare prices and options on these plans now is a smart move toward your financial future. Give yourself and your family that extra bit of protection we all need and invest in a major medical plan today.

For more information about affordable life, major medical and supplemental insurance plans or for your free quote contact Cynthia Hearn at This email address is being protected from spambots. You need JavaScript enabled to view it.