Cravello Insurance Services, Santa Maria California

Welcome to Cravello Insurance Services where we Insure People Not Things!

AS HEARD ON RADIO EACH WEEKEND

KUHL 1440 12:30 pm on Saturdays, 7:30 am - Sundays

KSMA 1240 - 11:30 a.m. on Saturdays, 7:00 am - Sundays

ACA open enrollment is NOVEMBER 1 - JANUARY 31 each year.
LOCK-IN: Once you have enrolled in the plan of your choice you are LOCKED IN! You cannot, out of open enrollment, change plans.
LOCK-OUT: Unless you have a qualifying event you are LOCKED OUT of purchasing an ACA plan until the next open enrollment period.

Long Term Care »

California has the largest elderly population in the country with 3.3 million residents age 65 or older. Nearly one in four California households are involved in care giving on some level. This huge financial and emotional burden is measured in out- of- pocket costs and lost work.

Confused About Long Term Care? »

I’d like to clear up a few misconceptions about LONG TERM CARE! WHAT IT IS AND WHO PAYS FOR IT!

WHAT IS LONG TERM CARE?

Long Term care is attention to the details of your well being by another person when you are unable to perform normal activities of daily living. This impairment may be physical or mental.

We’re hearing more and more about facilities popping up to provide several levels of care, from independent living to total confinement and personal care. When shopping for an appropriate facility there are many issues that should be addressed. Here are a few

Do All Seniors Need a Drug Plan? »

As seniors we have many decisions to consider. One such decision is whether or not to participate in "Part D" of medicare. It makes us a little crazy during "Open Enrollment"!

Only you know your health habits. Though we don’t have a crystal ball we can pretty much know whether or not we are prone to prescriptions.

Questons you may want to ask yourself are:

Insurance Premiums going up & up? »

One of the first questions I ask my prospective clients is “Are you taking any expensive, well-advertised medications?” One recent caller’s response was, I don’t understand that question, I have a $5 co-pay. The caller may only pay $5 co-pay but guess who’s paying the balance? We, the consumer, with higher premiums.

WHAT'S NEW?

» Medicare Prescription Drug Plan "Part D"

» About To Become Eligible for Medicare?

» Is a prescription plan right for everyone on medicare?