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Watch how we can help with your transition to Medicare
“OnlyHealthInsurance believes that Medicare Supplement insurance is, in part, the best approach for creating a comprehensive healthcare package.”
Phil Dougherty, President, OHI
Government Rollout and other Oxymorons.
Heading into the fourth week of health care open enrollment there is no shortage of opinion on how things are going. Very few are favorable, and very few provide any help to the man/woman on the street. From the trenches, the level of anxiousness is rising but...
Hold ‘em or Fold ‘em?
Remember during the healthcare debate when President Obama was under pressure to allow people to keep their existing plan if they wanted to? Well, in the healthcare bill there is a provision for that but it does not apply to everyone. If you are covered under a...
The “Les Mis” of Insurance Programs
The curtain will rise soon on a new health insurance program, but it may feel more like a dress rehearsal than opening night. The Federal government (and California) is in the process of launching the largest public entitlement program in its history so we can expect...
Health Savings Accounts (HSAs) live to see another day.
I am pleased to see there will be HSA compatible plans available in our new health care system. One of my first concerns after the Health Care Reform law passed was whether HSAs would be outlawed. It has been no secret that the current administration is no fan of...
Welcome to the New Health Insurance Marketplace
There are a lot of new terms emerging with the onset of the new Health Insurance __???__. The federal government first called it a Health Insurance Exchange in hopes it would empower consumers to purchase their own insurance. What is an “exchange” and where do you...
Providers, Providers, Providers
In real estate location is key. In Health Insurance, for some, it’s the provider network. Whether a doctor or hospital is contracted with a carrier has a direct link to the level of your out-of-pocket costs and your peace of mind. With most health plans, providers...
Health Care Reform. Making good choices.
Whether you are thumbs-up or thumbs-down on this health care reform law (ACA), it will bring some welcome clarity and simplicity to the health insurance marketplace. Though I have appreciated the creativity of insurance carriers in their plan designs over the years,...
Health Care Reform. Here are the changes in a nutshell.
The major changes to our health care system are coming soon, but there has already been meaningful change such as mandated preventive care, removal of caps on annual and lifetime coverage, extended dependent coverage to age 26, and requirements for carriers to spend...
Health Care Reform has arrived. So has help.
Exactly twenty years ago health care reform was a lead story in the news just like it is today. I had just moved the family insurance agency to a Corte Madera office and was feeling quite proud of the career I had chosen. Upon opening the morning paper one day and...
Testimonials
“Wow! Talk about fast and easy! Made an appointment with Phil through his website; he called me at the exact time of our appointment, was friendly, knowledgeable, and professional. He explained the coverage to me and from start to the finish of receiving an email with my policy info…. 20 minutes!!! I may just travel abroad more often now! Thanks Phil!
“I’d like to give Phil more than 5 stars for his incredible customer service and knowledge. Because he was on the ball and watching out for me (unasked), he saved me from going into a health plan that was not right for me. He called me out of the blue to confirm that the changes I made to my healthcare plan were what I wanted. I had misunderstood the differences (no thanks to Blue Shield rep) and Phil saved the day. Thank goodness he is my broker. He should be yours too.
“I was searching for weeks for affordable health care and Phil Dougherty and his team got me covered right away! My family was considered high risk and he took care of us from beginning to end. He was always available by phone to talk and did all the paperwork for us. He was a godsend during the many changes happening in healthcare! I highly recommend Phil for helping you find the best health care for you and your family. “