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


2018 ACA OPEN ENROLLMENT  NOVEMBER 1 - JANUARY 31! THIS IS AWESOME NEWS THAT MAY SAVE YOU THOUSANDS OF DOLLARS.

HOW? YOU ASK! IT'S MY SECRET WEAPON. CALL ME BEFORE DECEMBER 1, 2017 

WHAT IS LOCK-IN? EXCEPT FOR A FEW COUNTIES, IF YOU WERE ENROLLED IN AN ANTHEM PLAN YOU MUST RE-ENROLL FOR 2018. BLUE SHIELD IS THE ONLY ACA COMPLIANT CARRIER AVAILABLE IN CA.

IF YOU WERE ENROLLED IN A BLUE SHIELD PLAN IN 2017, YOUR DEADLINE TO CHANGE PLANS IS MARCH 1, 2018

WHAT IS LOCK-OUT? UNLESS YOU HAVE A QUALIFYING LIFE EVENT, ONCE THE DEADLINES HAVE PASSED YOU  MUST WAIT TIL THE NEXT OPEN ENROLLMENT PERIOD TO PURCHASE AN ACA PLAN OR MAKE CHANGES.

YOU MAY CANCEL YOUR PLAN AT ANY TIME BUT BE AWARE THAT, TO AVOID PENALTIES AT TAX TIME YOU MUST BE ENROLLED IN AN ACA PLAN FOR 9 OUT OF THE 12 MONTH OF 2018.

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.

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

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:

 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.


Cravello Insurance Services
411 E. Betteravia Road., Ste. 102 Santa Maria, CA 93454
805-928-7372

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