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Geldin Insurance http://www.geldin.com Geldin Insurance Services is a family owned and operated business brought to you by George Geldin, RHU LUTCF. George is a member in good standing of the National Association of Insurance and Financial Advisors (NAIFA) and the National Association of Health Underwriters (NAHU). In 2012, for the tenth consecutive year, George was presented with the symbol of NAHU’s highest level of achievement, the Golden Eagle Award, for outstanding work in health insurance sales. Also in 2012, he became A Charter Qualifier For NAHU’s New Highest Recognition, The Soaring Eagle. In addition to individual and group health as well as life insurance, Geldin Insurance Services is a provider of long term care insurance and disability insurance. Thu, 27 Oct 2016 14:40:17 +0000 en-US hourly 1 https://wordpress.org/?v=4.6.1 Is Your Heart Healthy for Valentine’s Day? http://www.geldin.com/2016/02/11/tips-and-tools/heart-healthy-valentines-day-003577.html http://www.geldin.com/2016/02/11/tips-and-tools/heart-healthy-valentines-day-003577.html#respond Thu, 11 Feb 2016 12:00:59 +0000 http://www.geldin.com/?p=3577 National Heart Month

#heartmonth is here!

February is National Heart Month – celebrate by loving your heart! Heart Disease is the leading cause of death in women and men in the United States, and while some risk factors are hereditary, there is much that can be done to lower your risk.

You’re never too young — or too old — to care for your heart. Preventing heart disease (and all cardiovascular diseases) means making smart choices now that will pay dividends later. Lack of exercise, a poor diet, and other unhealthy habits can take their toll over the years. Anyone at any age can benefit from simple steps to keep their heart healthy during each decade of life.

Take Our Free Heart Risk Assessment Now


What is Heart Disease?

Per the Mayo Clinic, heart disease describes a range of conditions that affect your heart. Diseases under the heart disease umbrella include blood vessel diseases, such as coronary artery disease; heart rhythm problems (arrhythmias); and heart defects with which you’re born (congenital heart defects), among others.

The term “heart disease” is often used interchangeably with the term “cardiovascular disease.” Cardiovascular disease generally refers to conditions that involve narrowed or blocked blood vessels that can lead to a heart attack, chest pain (angina) or stroke. Other heart conditions, such as those that affect your heart’s muscle, valves or rhythm, also are considered forms of heart disease.

Conditions Affecting the Heart

Arrythmia | Athersclerosis | Cardiac Arrest | Cardiomyopathy | Childhood Heart Problems | Congenital Heart Defects | Coronary Artery Disease | Deep Vein Thrombosis | Diabetes | Heart Attack | Heart Failure | Heart Valve Disease | High Blood Pressure (Hypertension) | Pericarditis | Peripheral Artery Disease

When should you go to the ER?

For many people, knowing when to seek emergency care isn’t always clear. Most people know to call 911 right away when faced with a life-threatening situation, such as loss of consciousness, breathing trouble, or serious trauma. But heart attack symptoms aren’t always as clear-cut. It may be hard to tell if the symptoms are a result of a heart crisis or heartburn, for example.

Surprisingly, symptoms of heart disease can also differ between men and women. Women are more likely to have symptoms unrelated to chest pain. Although the most common symptom is chest pain women may also experience shortness of breath, right arm pain, nausea or vomiting, sweating, lightheadedness, unusual fatigue, and neck, jaw, shoulder, upper back, or abdominal discomfort.

Remember, it is always better to be safe than sorry. If you feel it is an emergency, call 911 and ask them to send an ambulance right away.

The below heart attack symptoms warrant an immediate trip to the closest emergency room:

  • Chest discomfort that feels like pressure, fullness, or a squeezing pain in the center or left side of your chest. It lasts for more than a few minutes, or goes away and comes back.
  • Pain and discomfort that extends beyond your chest to other parts of your upper body, such as one or both arms, back, neck, stomach, and jaw.
  • Unexplained shortness of breath, with or without chest discomfort.
  • Any of the symptoms listed above that are accompanied by a cold sweat, nausea, lightheadedness, anxiety, or indigestion.


Risk Factors for Heart Disease

There are some general risk factors for heart disease that apply unilaterally, such as gender, family history, age (40+), smoking history, obesity, uncontrolled diabetes, a sedentary or inactive lifestyle, high stress levels, and ethnicity, with African Americans, American Indians, and American Mexicans being more statistically more likely to have heart disease than Caucasians.

Manage Your Risk for Heart Disease

(click here for suggestions for each decade)

Getting smart about your heart early on puts you far ahead of the curve. The things you do — and don’t — are a tell-tale sign of how long and how well you’re going to live, said Richard Stein, M.D. “There’s no one I know who said: ‘I felt better being sedentary. I felt better eating a terrible diet,’” said Stein, a cardiologist and professor of medicine at New York University School of Medicine. “All these things actually make you feel better while they help you.”

  • Find a doctor and have regular wellness exams. Healthy people need doctors, too. Establishing a relationship with a physician means you can start heart-health screenings now. Talk to your doctor about your diet, lifestyle and checking your blood pressure, cholesterol, heart rate, blood sugar and body mass index. You may also need your blood sugar checked if you are pregnant, overweight or have diabetes. Knowing where your numbers stand early makes it easier to spot a possible change in the future.
  • Be physically active. It’s a lot easier to be active and stay active if you start at a young age. “If you’re accustomed to physical activity, you’ll sustain it,” Dr. Stein said. Keep your workout routine interesting by mixing it up and finding new motivators.
  • Don’t smoke and avoid secondhand smoke. If you picked up smoking as a teen, it’s time to quit smoking. Even exposure to secondhand smoke poses a serious health hazard. Nonsmokers are up to 30 percent more likely to develop heart disease or lung cancer from secondhand smoke exposure at home or work, according to a U.S. Surgeon General report.


Juggling family and career leaves many adults with little time to worry about their hearts. Here are some ways to balance all three.

  • Make heart-healthy living a family affair. Create and sustain heart-healthy habits in your kids and you’ll reap the benefits, too. Spend less time on the couch and more time on the move. Explore a nearby park on foot or bike. Shoot some hoops or walk the dog. Plant a vegetable and fruit garden together in the yard, and invite your kids into the kitchen to help cook.
  • Know your family history. Shake down your family tree to learn about heart health. Having a relative with heart disease increases your risk, and more so if the relative is a parent or sibling. You need to focus on controllable risk factors by maintaining a healthy weight, exercising regularly, not smoking, and eating right. Also, keep your doctor informed about any heart problems you learn about in your family.
  • Tame your stress. Long-term stress causes an increase in heart rate and blood pressure that may damage the artery walls. Learning stress management techniques not only benefits your body, but also your quality of life. Try deep breathing exercises and find time each day to do something you enjoy. Giving back through volunteering also does wonders for knocking out stress.


If heart health hasn’t been a priority, don’t worry. Healthy choices you make now can strengthen your heart for the long haul. Understand why you need to make a lifestyle change and have the confidence to make it. Then, tackle them one at a time. “Each success makes you more confident to take on the next one,” said Stein, an American Heart Association volunteer.

  • Watch your weight. You may notice your metabolism slowing down in your 40s. But you can avoid weight gain by following a heart-healthy diet and getting plenty of exercise. The trick is to find a workout routine you enjoy. If you need motivation to get moving, find a workout buddy.
  • Have your blood sugar level checked. In addition to blood pressure checks and other heart-health screenings, you should have a fasting blood glucose test by the time you’re 45. This first test serves as a baseline for future tests, which you should have every three years. Testing may be done earlier or more often if you are overweight, diabetic or at risk for becoming diabetic.
  • Don’t brush off snoring. Listen to your sleeping partner’s complaints about your snoring. One in five adults has at least mild sleep apnea, a condition that causes pauses in breathing during sleep. If not properly treated, sleep apnea can contribute to high blood pressure, heart disease and stroke.


Unlike the emergence of wrinkles and gray hair, what you can’t see as you get older is the impact aging has on your heart. So starting in the 50s, you need to take extra steps.

  • Eat a healthy diet. It’s easy to slip into some unhealthy eating habits, so refresh your eating habits by eating plenty of fruits and vegetables, fiber-rich whole grains, fish (preferably oily fish-at least twice per week), nuts, legumes and seeds and try eating some meals without meat.
  • Learn the warning signs of a heart attack and stroke. Now is the time to get savvy about symptoms. Not everyone experiences sudden numbness with a stroke or severe chest pain with a heart attack, and heart attack symptoms in women can be different than men.
  • Follow your treatment plan. By now, you may have been diagnosed with high blood pressure, high cholesterol, diabetes, or other conditions that increase your risk for heart disease or stroke.


With age comes an increased risk for heart disease. Your blood pressure, cholesterol and other heart-related numbers tend to rise. Watching your numbers closely and managing any health problems that arise — along with the requisite healthy eating and exercise — can help you live longer and better.

  • Have an ankle-brachial index test. Starting in your 60s, it’s a good idea to get an ankle-brachial index test as part of a physical exam. The test assesses the pulses in the feet to help diagnose peripheral artery disease (PAD), a lesser-known cardiovascular disease in which plaque builds up in the leg arteries.
  • Watch your weight. Your body needs fewer calories as you get older. Excess weight causes your heart to work harder and increases the risk for heart disease, high blood pressure, diabetes and high cholesterol. Exercising regularly and eating smaller portions of nutrient-rich foods may help you maintain a healthy weight.
  • Learn the warning signs of a heart attack and stroke. Heart attack symptoms in women can be different than men. Knowing when you’re having a heart attack or stroke means you’re more likely to get immediate help. Quick treatment can save your life and prevent serious disability.


Nutrition Matters! Make Healthy Food Choices

For someone with heart disease, diet is a big deal. Along with other healthy habits, proper diet management can slow, or even partially reverse, the narrowing of the heart’s arteries and help prevent further complications. The best food strategy is to focus on what you can eat, not just what is off-limits. Research shows that adding heart-saving foods is just as important as curbing less healthy options.

Cholesterol is a waxy substance that comes from two sources: your body and food. Your body, and especially your liver, makes all the cholesterol you need and circulates it through the blood. Cholesterol is also found in foods from animal sources, such as meat, poultry and full-fat dairy products. Your liver produces more cholesterol when you eat a diet high in saturated and trans fats.

Cholesterol can’t dissolve in the blood. It must be transported through your bloodstream by carriers called lipoproteins, which got their name because they’re made of fat (lipid) and proteins. The two types of lipoproteins that carry cholesterol to and from cells are low-density lipoprotein, or LDL (“bad” cholesterol), and high-density lipoprotein, or HDL (“good” cholesterol). LDL cholesterol and HDL cholesterol, along with one fifth of your triglyceride level, make up your total cholesterol count, which can be determined through a blood test.

A good way to visualize and remember the difference between LDL and HDL is to visualize a marshmallow (LDL) and a marble (HDL) moving through your veins. The marshmallow would move slowly and get stuck frequently, also likely leaving bits of itself behind on the vein wall. The marble would move quickly and efficiently, leaving little to no trace of its path.

Adopting a diet that curbs low-density lipoproteins (LDL), the “bad” cholesterol,” can help lower blood pressure, lower blood sugar, and assist with weight loss.

Follow these nine strategies to plan heart-healthy meals for the whole family:

  • Serve more vegetables, fruits, whole grains, and legumes. Just about everyone could stand to eat more plant-based foods. They’re rich in fiber and other nutrients, and they can taste great in a salad, as a side dish, or as an entree. Watch that you don’t use too much fat or cheese when you prepare them. Michael Pollan’s “food rules” can best be summarized to say 1) eat food, 2) mostly plants, and 3) not too much.
  • Choose fat calories wisely. Limit saturated fats (found in animal products), avoid artificial trans fats (specifically check ingredient lists for “partially hydrogenated” oils), and when using added fats for cooking or baking, choose oils that are high in monounsaturated fat (for example, olive and peanut oil) or polyunsaturated fat (such as soybean, corn, and sunflower oils).
  • Serve a variety of protein-rich foods. Balance meals with lean meat, fish, and vegetable sources of protein.
  • Limit cholesterol in foods. LDL found in red meat and high-fat dairy products can significantly raise blood cholesterol levels, especially for those in high-risk categories.
  • Serve the right kind of carbs. Include foods like brown rice, oatmeal, quinoa, and sweet potatoes to add fiber and help control blood sugar levels. Avoid sugary foods and drinks.
  • Eating on a regular schedule can help control blood sugar, burn fat more efficiently, and regulate cholesterol levels.
  • Cut back on salt. Too much salt is bad for blood pressure. Instead, use herbs, spices, or condiments to flavor foods.
  • Encourage hydration. Staying hydrated makes you feel energetic and eat less. Drink 32 to 64 ounces (about 1 to 2 liters) of water daily, unless otherwise advised by a doctor.
  • Manage portion sizes. It can help to use smaller plates and glasses, and to check food labels to better understand true serving sizes, since overeating is quite easy. Some helpful visual cues include: one ounce of cheese is the size of a pair of dice, a serving of meat or tofu is roughly the size of a standard deck of cards, and two servings of rice or pasta are the size of a tennis ball.
  • Chipotle Chicken Stuffed Sweet Potatoes | Savory sweet potatoes can be a comfort food on a chilly evening. Stuff with sweet and spicy pulled chicken with corn or beans and lime!
  • Spaghetti-Squash Spaghetti | This creative Italian recipe has an interesting vegetable that the kids will think is fun to make and eat.
  • Tailgate Chili | Try this classic chili recipe that’s good for your heart. It’s ready in 30 minutes – just in time for kickoff or tipoff!
  • Mango, Avocado, and Black Bean Salad | This recipe is a colorful, festive, and flavorful vegetarian dish that’s easy to make!
  • Chicken and Quinoa Soup | Quick-cooking quinoa compliments this chicken and vegetable soup adding texture and some whole grains.
  • Grilled Turkey Cutlets with Honey Mustard Sauce | Turkey cutlets are great in a hurry because they require very little trimming and cook quickly. Whether pan “fried” or grilled, they take only a couple of minutes per side.


Get Active for Your Heart!

Take the first step and start with walking, which is easy and free. Walking for as few as 30 minutes per day is effective and has proven heart health benefits. Although a great start, walking isn’t your only option. Try these tips for increasing physical activity, and you may be surprised at how many opportunities you encounter daily.

Many of us have sedentary jobs, and work takes up a significant part of our day. What can you do to increase your physical activity during the work day?

  • Brainstorm project ideas with a coworker while taking a walk.
  • Create an exercise accountability partnership.
  • Walk during business calls when you don’t need to reference important documents.
  • Stand while talking on the telephone.
  • Walk down the hall to speak with someone rather than using the telephone.
  • Take the stairs instead of the elevator. Or get off a few floors early and take the stairs the rest of the way.
  • Walk while waiting for the plane at the airport.
  • Stay at hotels with fitness centers or swimming pools and use them while on business trips.
  • Take along a jump rope or a resistance band in your suitcase when you travel. Jump and do calisthenics in your hotel room.
  • Participate in or start a recreation league at your company.
  • Form a sports team to raise money for charity events.
  • Join a fitness center or YMCA near your job. Work out before or after work to avoid rush-hour traffic, or drop by for a noon workout.
  • Schedule exercise time on your business calendar and treat it as any other important appointment.
  • Get off the bus a few blocks early and walk the rest of the way to work or home.
  • Walk around your building for a break during the work day or during lunch.
  • Some have mastered the art of typing while on a treadmill by securing the laptop to the base. Be creative!
  • Get a stand-up desk.


It’s usually convenient, comfortable and safe to work out at home. It allows your children to see you being active, which sets a good example for them. You can combine exercise with other activities, such as watching TV. If you buy exercise equipment, it’s a one-time expense and other family members can use it. It’s easy to have short bouts of activity several times a day.

  • Do housework yourself instead of hiring someone else to do it.
  • Work in the garden or mow the grass. Using a riding mower doesn’t count! Rake leaves, prune, dig and pick up trash.
  • Go out for a short walk before breakfast, after dinner or both! Start with 5-10 minutes and work up to 30 minutes.
  • Walk or bike to the corner store instead of driving.
  • When walking, pick up the pace from leisurely to brisk. Choose a hilly route. When watching TV, sit up instead of lying on the sofa. Or stretch. Better yet, spend a few minutes pedaling on your stationary bicycle while watching TV. Throw away your video remote control. Instead of asking someone to bring you a drink, get up off the couch and get it yourself.
  • Stand up while talking on the telephone.
  • Walk the dog.
  • Park farther away at the shopping mall and walk the extra distance. Wear your walking shoes and sneak in an extra lap or two around the mall.
  • Stretch to reach items in high places and squat or bend to look at items at floor level.
  • Keep exercise equipment repaired and use it!


Play and recreation are important for good health. Look for opportunities such as these to be active and have fun at the same time.

  • Plan family outings and vacations that include physical activity (hiking, backpacking, swimming, etc.).
  • See the sights in new cities by walking, jogging, or bicycling.
  • Make a date with a friend to enjoy your favorite physical activities. Do them regularly.
  • Play your favorite music while exercising; enjoy something that motivates you.
  • Dance with someone or by yourself. Take dancing lessons. Hit the dance floor on fast numbers instead of slow ones.
  • Join a recreational club that emphasizes physical activity.
  • At the beach, sit and watch the waves instead of lying flat. Better yet, get up and walk, run, or fly a kite.
  • When golfing, walk instead of using a cart.
  • Play singles tennis or racquetball instead of doubles.
  • At a picnic, join in on badminton instead of croquet.
  • At the lake, rent a rowboat instead of a canoe.

LewisGale’s American Heart Month content provided in partnership with the American Heart Association.

via National Heart Month

What are you doing to ensure your heart’s health?

(if you are concerned about your health coverage, as it relates to your heart’s health, please call us at 877.789.5831 and we’ll be happy to help!)

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In The News This Week: Fear About Zika http://www.geldin.com/2016/02/05/news-updates/news-week-fear-zika-003571.html http://www.geldin.com/2016/02/05/news-updates/news-week-fear-zika-003571.html#respond Fri, 05 Feb 2016 12:00:29 +0000 http://www.geldin.com/?p=3571 And You Thought Zika Was Only In Brazil….

Zika infections will rise, plateau and then fall in Colombia, says President Juan Manuel Santos.

via VIDEO: Colombia – Zika infections will rise

dr adiana melo

WebMD shares the story the doctors who linked the Zika virus to microcephaly.

via Zika and Microcephaly: How Doctors Made the Link

The Centers for Disease Control and Prevention is involved on nearly every front, from diagnostics to the study of a possible link to microcephaly and Guillain-Barre syndrome.

via CDC Sees Major Challenges Ahead In The Fight Against Zika

News comes day after WHO declared pathogen a

Agency asks potential donors who have traveled to areas where virus is active to wait 28 days

via Red Cross Takes Steps to Keep Zika Virus Out of Blood Supply

Given the Zika virus outbreak, the International Olympic Committee needs to either move the 2016 Rio Olympic Games, postpone them, or cancel them. Prevention is the best course in the face of a serious threat to humanity.

via Zika Outbreak Means It Is Now Time To Cancel Rio Olympics

Health officials in Texas have confirmed the first case of Zika virus transmission in the US, and are pointing to sexual transmission as the culprit. The Dallas County Health and Human Services said in a release that the patient engaged in sexual contact with an infected individual who had recently traveled to a country where the Zika virus is spreading. The CDC tells The Verge that it has confirmed the patient is infected with the Zika virus, but that the agency has not confirmed the method of transmission. County officials say there are no reports of the virus being locally transmitted by mosquitoes.

While the CDC is not yet confirming sexual transmission, it is warning people of the possibility. “Based on what we know now, the best…

Continue reading…

via First US case of Zika virus infection was sexually transmitted, officials say

Just as we were compiling this post for you, one of our colleagues found numerous articles on Zika this week posted in what we thought was an unusual place, Gizmodo. Check these out:

Brazil Petition Demands Abortion Exception for Women Infected by Zika via Brazil Petition Demands Abortion Exception for Women Infected by Zika

World Health Organization Declares Zika a Global Emergency via World Health Organization Declares Zika a Global Emergency

US Reports First Case of Sexually Transmitted Zika in Texas via US Reports First Case of Sexually Transmitted Zika in Texas

Zika Outbreak Is a ‘Temperature Driven Eruption,’ Says Scientist via Zika Outbreak Is a ‘Temperature Driven Eruption,’ Says Scientist

And, lastly, WebMD sent out an email filled with Zika information.

Do you know if your health insurer would cover you in the event you contract Zika?

If you are concerned and you need help, please call our experts at 877.789.5831 and we’ll be happy to help you understand your policy as it relates to a Zika outbreak or any other health concern you may have.

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The Passing of Bowie and Frey is the Week Our Music Died http://www.geldin.com/2016/01/26/news-updates/passing-bowie-frey-week-music-died-003560.html http://www.geldin.com/2016/01/26/news-updates/passing-bowie-frey-week-music-died-003560.html#respond Tue, 26 Jan 2016 12:00:09 +0000 http://www.geldin.com/?p=3560 Are you a Boomer?

If so, last week may have been as sad for you as it was for some of us. The deaths of David Bowie and Glenn Frey led to some interesting conversations about which artist left a bigger impact on our lives, and a bigger whole in our hearts.

Which was it for you?

Winslow Celebrates Glenn Frey at Eagles –

Inspired Park

Standin’ on the Corner Park, Winslow | Greg McKelvey

The death last week of Glenn Frey, co-founder of the Eagles and author of several of the band’s most memorable songs, hit a lot of music fans hard. Residents of Winslow, though, had a unique connection to Frey and the band, and they honored it last week.

Winslow, of course, was immortalized in Take It Easy, a song Frey co-wrote and sang. As the line goes: “Well, I’m a-standin’ on a corner in Winslow, Arizona / Such a fine sight to see / There’s a girl, my Lord, in a flatbed Ford / Slowin’ down to take a look at me.”

The city commemorated its brush with fame by creating Standin’ on the Corner Park, located on the northwest corner of Kinsley Avenue and Historic Route 66. It features a statue of a guitarist, along with a flatbed Ford. Last week, residents and people passing through left flowers, candles and other mementos at the statue. NBC News has a video.

What’s your favorite Eagles song?

via Winslow Celebrates Glenn Frey at Eagles-Inspired Park

David Bowie’s Son Thanks Fans for

‘Incredibly Kind Words’

Duncan Jones, son of the late David Bowie, took to Twitter on Saturday to thank the legendary rocker’s fans for their support following his death earlier this month.

Jones, 44, tweeted a drawing of three hands giving a thumbs-up sign, along with the message, “Hi all. Just wanted to thank you for the incredibly kind words & thoughts. I’ll be easing my way back into Twitter.”

The British director had been silent in the wake of his father’s death from cancer on Jan. 10 at the age of 69, explaining that he would be “offline for a while.” He did, however, make a brief return to share a doctor’s emotional tribute to his dad.

Jones also posted fun photos and tweets about the upcoming “Warcraft” movie based off the game “World of Warcraft,” which he directed and will hit theaters this year.

via David Bowie’s Son Thanks Fans for ‘Incredibly Kind Words’

P.S. Would it be bad form for us to remind you that Open Enrollment is closing this week and to call us for help with your health insurance application? 877.789.5831 (please and thank you!)

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How Are You Celebrating MLK Day of Service? http://www.geldin.com/2016/01/14/blog/mlk-day-service-los-angeles-003549.html http://www.geldin.com/2016/01/14/blog/mlk-day-service-los-angeles-003549.html#respond Thu, 14 Jan 2016 12:00:30 +0000 http://www.geldin.com/?p=3549 Are you looking for a way to celebrate Monday’s holiday?
Some of our colleagues were looking and initially found very little to choose from.
Below is what we found in Pasadena and Los Angeles.
Towards the bottom is a fabulous video we found from a Kaiser event a couple of years ago.
Wouldn’t it be great to see a similar effort this year?

Pasadena Now » 2016-01-16 08:00

MLK Day of Service: A Day On, Not Off

Press Release

Tuesday, January 12, 2016

Time: 6:30 p.m.

MLK Essay and Visual and Performing Arts Finalists\’ Public Readings, Displays, and Presentations   read more >>

Come listen to original speeches and enjoy an evening of viewing beautiful artwork and performances paying tribute to Dr. King by the MLK Essay and Visual & Performing Arts Contest finalists and winners. The hosting school organizes the event to showcase some of the other diverse talents of the students.

Event Location: Don Benito Fundamental School

Cost: Free

Thursday, January 14, 2016

Time: 7:00 p.m. – 8:00 p.m.

Financial Aid Workshop for Senior Parents  

A Financial Aid Representative from the University of Southern California (USC) will be at Alverno High School to conduct the workshop. They will provide an overview of the process of applying for financial aid, how to complete the Free Application for Federal Student Aid (FAFSA), and answer any other questions…

Event Location: Alverno High School Library

Cost: Free

via Pasadena Now » 2016-01-16 08:00 MLK Day of Service: A Day On, Not Off | Pasadena California, Hotels,CA Real Estate,Restaurants,City Guide…

And in Los Angeles, 10 suggestions from Redtri, one of them even in Pasadena:
The Pasadena MLK Community Coalition will be hosting five events that include poetry readings, essay and art presentations, a day of service and a church service followed by their annual MLK Day Celebration on January 18. The culminating festival will include guest speakers, food, arts & crafts and helpful, wholesome fun.

P.S. If you are still looking for health insurance coverage during this Open Enrollment period, please call us even on MLK Day: 877.789.5831

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5 Healthy New Year’s Resolutions You Can Easily Keep http://www.geldin.com/2016/01/06/tips-and-tools/5-healthy-resolutions-easily-003539.html http://www.geldin.com/2016/01/06/tips-and-tools/5-healthy-resolutions-easily-003539.html#respond Wed, 06 Jan 2016 12:00:48 +0000 http://www.geldin.com/?p=3539 If you are like most of us, you are making some new year’s resolutions that include being healthy so we thought we might help you out:

Healthy New Year’s Resolutions

The new year is all about creating new beginnings. While you’re coming up with ways to give yourself a fresh start in 2016, consider focusing on your health and making goals for a healthier you. But what needs to change in your life? We’ve got some ideas. Answer the following questions (at the link below) to see what areas of your health you should make over.

via Healthy New Year’s Resolutions – New Year’s 2016 Resolutions

5 Healthy Resolutions You Can Easily Keep

2 Total Shares

Do you feel compelled to make New Year’s resolutions every year but dread it because you know you won’t follow through? This year make one of these 5 healthy resolutions you can actually keep instead.

Happy first Monday after the new year! I don’t know about you all but since the new year started on Friday I treated the long weekend as one big holiday and decided to wait until today to get on my healthier kick after totally indulging the past couple of weeks. I’m going to start out by saying that I’m really not one for resolutions. Most of us seem to want to make these huge resolutions that while, yes, will probably make us a lot healthier, aren’t overly realistic. This just leads to giving up shortly after and being disappointed in ourselves. But, hang on with me here. I much rather make small goals to start the new year fresh with that I know I can pretty easily achieve with a little work on my part. As such, I wanted to share 5 healthy resolutions you can actually keep. Most of these probably sound rather familiar, but, to me, it’s all in how you execute your plan.

Untitled5 Healthy Resolutions You Can Actually Keep

1. Eat more fresh food. With most of us having super busy lives that are often torn between spending more time on work or with family, it’s hard to find time to constantly prep and cook fresh foods for each meal. I even love cooking from scratch and can physically and mentally feel a difference when I only eat fresh foods and still often have trouble with this. Here are some of my tricks for meeting my fresh food goals without sacrificing or ending up going through the drive-thru. Make a meal plan so you aren’t wasting time wondering what to cook. Prep fruits and veggies for cooking and snacking while doing things like talking on the phone or watching TV. While they do cost more, many stores also sell prepped produce like fresh cut or shredded fruit and veggies. You can also find many vegetables like onions chopped and frozen, which, in my opinion, is the next best thing to fresh.

2. Drink more water. I think most of us have gotten the memo at this point that we should probably be drinking more water. However, this isn’t always easy to do, especially if you reach for your favorite caffeinated beverage often throughout the day to keep you going. Yes, most of those beverages are made with water, but usually also include various sugars and are diuretics (which make you pee and thus dehydrate you even more). Drinking just regular water is best, but it can be boring and hard to drink if you’re used to flavored drinks. To change things up, add fruits like citrus or berries to your water, drink herbal teas (my favorite is this peppermint tea I get on Amazon.com), and add a small amount of juice to sparkling water for a soda replacement. I also carry around a reusable bottle of cold water (this thing will literally keep ice for over a day and also comes with a tea/fruit strainer) and won’t let myself have other drinks until I finish it.

3. Move around more. I’ll be the first to admit that since I’m in front of the computer most of the day, moving around more is pretty much almost always on my goal list. To help me move around more I set a timer so I remember to get up and walk out to get the mail, empty the dishwasher, wash a few dishes or other chores that get me moving around a bit. I also use an under the desk bike and you can even get a nice treadmill desk these days. If you work outside the home, you can do simple things like parking further from the building, taking small breaks to take a short walk to talk to a co-worker instead of emailing, and taking a short walk during your work break. If you like to watch TV at night, it’s also a good time to do things like walking in place or using an exercise bike, using small weights, or stretching. Being active with friends or family doing an activity or sport that you really enjoy is also a great motivation to move around more.

4. Take more me time. Even though I do sometimes get taken advantage of, I do love the fact that I’m naturally a giver. It’s hard for me to say no to helping others, but it also means I don’t take nearly enough me time. However, I know that if I don’t take enough care of myself and end up getting sick or burnt out, it creates a chain reaction of other things turning into a train wreck like who’s going to make dinner and can no one else really wash the dishes or balance the checkbook? So, every day I strive to take at least 5 minutes, but preferably 15, a day to just clear my head for me. I like to take a hot bath, read a book (I recently got a Kindle Paperwhite that I love), listen to whatever song fits my mood, catch up on a TV show, or even just meditate. You may have to just sit in the parking lot or lock yourself in the bathroom to get a few minutes by yourself sometimes, but it’s amazing how much those minutes can help to recharge you.

5. Be “connected” less. While I realize it’s pretty much a first world problem, it can be hard to truly disconnect these days. I’ll be the first to admit that from time to time I’m looking at my phone more than I’m paying attention to what we’re having for dinner. Sometimes it’s because I feel like I need the entertainment while others it’s because something important is going on for work. Either way, it’s easy for this to become a habit which we all know isn’t healthy. So, to connect less, come up with some times that are really important to you that you know you can for sure disconnect all the electronics and entertainment. Maybe it’s while you’re having dinner, or it could be while you enjoy after dinner coffee with your partner or while you read a bedtime story to your kids. It’s so important in today’s busy world to remember just how important uninterrupted face-to-face connections are. If you do have a job where you must stay connected or are out for dinner and obviously want to know if the babysitter calls, I simply set up a unique ringtone and/or text alert for that specific number so I know that I should check my phone if I hear it. If I hear my normal ringtone, I ignore my phone unless I get multiple calls in succession that I know must be important.

So, what do you say? Will you be making one of these 5 Healthy Resolutions You Can Actually Keep this year?

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via 5 Healthy Resolutions You Can Actually Keep

P.S. If one of your resolutions is to apply for health insurance before Open Enrollment closes and you need some help, please call our experts at 877.789.5831

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Ways to Celebrate a Healthy Start to the New Year http://www.geldin.com/2015/12/31/news-updates/healthy-year-2016-003530.html http://www.geldin.com/2015/12/31/news-updates/healthy-year-2016-003530.html#respond Thu, 31 Dec 2015 12:00:58 +0000 http://www.geldin.com/?p=3530

Many of us vow to make the next year healthier than the last.

Why wait for the new year? We suggest you start today!

To help you in that endeavor, here are a few recipes.

For those that prefer video, scroll to the end to see a different collection of healthy DIY tips.

5 New Years Eve Party Swaps to Ring in

a Healthy 2016

New Years Eve is a time of global celebration… the sights and sounds of merriment and good cheer meet with the tantalizing scents and flavors of traditional appetizers, drinks, and sweets delighting our taste buds and coaxing out our celebratory side.

But over the course of the evening festivities all those tasty treats begin to add up and we tend to feel like we’ve started the New Year off on the wrong foot — perhaps, again.

Not this year!

Waking up with major belly bloat, indigestion, and an overall sense of over-doing it is so 2015…

2016 is a New Year for a New you! And it begins well before midnight strikes!

Here are 5 easy and to-die-for-delicious swaps you can make for your New Years Eve Party this year. You won’t feel like you’re missing out on the celebration but you won’t wake up with regret either:

Roasted Olives, Chickpeas, and Nuts
Skip the empty calories from Chex Mix, potato chips, and other bagged snacks. Instead, make your own fiber-rich, nutrient dense, and heart-healthy blend of roasted olives, chickpeas, and nuts.

Prep time: 5 minutes | Cook time: 30 minutes | Yield: 4-6 servings


  • 1 jar pitted green olives
  • 1 cup raw almonds
  • 1 can unsalted organic garbanzo beans, rinsed, drained and thoroughly dried
  • 1-2 tbsps olive oil
  • ½ tsp sea salt
  • ½ tsp Black pepper
  • Zest of one lemon
  • 1 sprig rosemary, finely minced


  1. Heat the oven to 400°F. Place an oven rack in the middle of the oven.
  2. Spread the chickpeas and olives out in an even layer on the baking sheet. Drizzle with olive oil and sprinkle with salt and pepper. Stir with your hands or a spatula until evenly coated.
  3. Roast in the oven for 20 minutes: Stir after 10 minutes.
  4. Add almonds to chickpeas and olives. Drizzle with a little more olive oil, sea salt, and pepper tossing to coat.
  5. Roast 10 minutes or until desired degree of roast is achieved.
  6. Toss the chickpeas, olives, and almonds with the lemon zest and rosemary.
  7. Serve while they are still warm.

Cauliflower Bread Sticks with Marinara
Best Pizza Swap Ever… seriously. My mom made this at a football party a few weeks ago and I am so glad she did. Hands down, it’s the best pizza swap ever.

Prep time: 20 minutes | Cook time: 30 minutes | Yield: 12 servings


  • 1 medium-sized cauliflower (riced into four cups)
  • 4 eggs
  • 2 cups mozzarella, shredded
  • 1 tbsp dried oregano
  • 4 cloves of garlic, minced
  • 1/2 tsp kosher salt
  • 1/4 tsp black pepper
  • 1 extra cup of mozzarella for topping


  1. Preheat oven 425°F. Line a baking sheet with parchment paper.
  2. Cut cauliflower into florets (discard large stems) and pulse in food processor until it resembles grains of rice.
  3. Place 4 cups of riced cauliflower (reserve the rest) in a large skillet over medium heat (or use microwave) and cook 10 minutes until tender (no water needed).
  4. Let cauliflower cool then transfer to a larger bowl. Add 4 beaten eggs, 2 cups of mozzarella cheese, oregano, garlic, salt and pepper. Stir to combine mixture. Shape into two circles on prepared baking sheet.
    Note from my mom: “I made circles about 1-2 inches high. I would make them a bit larger in circumference and about 1 inch in depth so they brown more crispy :)”  
  5. Bake 25 minutes.
  6. Remove from oven and spread 1 cup shredded mozzarella cheese over the top Bake 5 minutes more until cheese melts and edges are brown.
  7. Cut into long slices and serve with warmed marinara sauce.

1-Step Spinach & Artichoke Hummus
Trade traditional high calorie, nutrient-void party dips for this delicious homemade version and add the benefits of fiber, healthy fats and a host of fat burning nutrients.

Prep time: 10 minutes | Cook time: n/a | Yield: 4-6 servings


  • ¾ cup fresh baby spinach, chopped
  • ¾ cup artichoke hearts (canned), quartered
  • 1 15-oz can chickpeas
  • ⅓ cup tahini
  • 1 tbsp olive oil
  • 2 tbsps lemon juice
  • ½ clove of garlic, minced
  • ½ tsp cumin, ground
  • ½ tsp paprika
  • ½ tsp sea salt


  1. In a food processor, combine all ingredients and blend until smooth. Serve with fresh veggie sticks.

Cashew Butter Fudge
Avoid sugar-laden sweets with this palate pleasing Cashew Butter Fudge that won’t spike your blood sugar, make you feel jittery, or turn right to fat.

Prep time: 5 minutes | Chill time: 20 minutes | Yield: ~ 42 squares


  • 1 Jar raw Cashew Butter, stirred well
  • 1 Heaping tbsp Ground Chia Seed
  • 6 tbsps Cacao powder, unsweetened
  • ¼ cup Raw honey
  • 2 tbsps unsweetened coconut or almond milk, for desired consistency only
  • Generous sprinkle of sea salt (to taste)


  1. Blend all ingredients in a large mixing bowl with a rubber spatula until smooth.
  2. Grease a square glass baking dish. Transfer fudge to baking dish, spreading evenly.
  3. Sprinkle with sea salt then chill in the fridge for 20 minutes.
  4. Cut into bite sized squares. Freeze for 30 minutes to set.
  5. Break apart into squares. Enjoy!

Dark Chocolate Peanut Butter Banana Bonbons
Pass up ice cream that only leaves you sluggish and bloated for these yummy bites of frozen banana bliss.

Active time:
30 minutes | Freeze time: 1-2 hours | Yield: 14 servings


  • 3 ripe bananas cut into ½ -inch slices
  • 2 tbsps natural peanut butter
  • 8 ounces dark chocolate


  1. Arrange banana slices in a single layer on a large plate or baking sheet. Freeze for 1-2 hours.
  2. Puree frozen banana slices in a food processor or powerful blender until the mixture is creamy and smooth*
  3. Add the peanut butter and puree to combine
  4. Scoop ice cream into ½ tbsp sized balls and place into mini-muffin tins. Freeze for 20 minutes.
  5. Melt the chocolate over very low heat in a small saucepan.
  6. Coat each ice cream ball with chocolate. Refreeze for 1 hour. Enjoy!

*Note – if you have a hard time creating a creamy consistency, you can add 1-2 tablespoons of milk to help puree the banana slices. Make sure you use a powerful food processor or blender!


And now for the libations — alcohol is a part of most people’s New Years celebration and for many, that is not going to change.

However, you can make a few simple adjustments and develop a game plan to enjoy a safe, fun, and hang-over-free evening.

  • Limit your number of drinks and incorporate refreshing, flavored water between each alcoholic beverage.
  • Choose 2-3 glasses of a really good red wine over mulled wine, sangria, or other drinks with added sugar. Savor the wine over the course of the evening.
  • Choose 2-3 vodka cocktails using fresh lemon, lime, or other citrus along with a splash of sparkling water. It’s a light refreshing drink that’s not too sweet, slows down how fast you drink it, and helps keep you mindful of your goals.

New Years Eve is a time of celebration and cheer offering thanks for the year that has passed and all it has taught us. New Years Day is met with hopeful anticipation for all that is to come — Have a safe and happy New Years!

via 5 New Years Eve Party Swaps to Ring in a Healthy 2016 – Early To Rise

We’re most likely to try the Banana Bonbons. What about you?

Please share photos of your recipes in the comments below.

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Has Santa Paws Already Come Into Town? http://www.geldin.com/2015/12/24/news-updates/santa-paws-003524.html http://www.geldin.com/2015/12/24/news-updates/santa-paws-003524.html#respond Thu, 24 Dec 2015 12:00:18 +0000 http://www.geldin.com/?p=3524 Like you, we are preparing for the holiday. Hopefully, you have already completed your health insurance application, have purchased any needed travel insurance and are safely preparing for the holiday. Surel you have not forgotten about your fur-babies in your preparation, right? Just in case, we found this heart warming story to share with you on this Christmas-Eve:

Santa Paws Has Come To Town

It’s not just kids who look forward to seeing Father Christmas.

These cute dogs, dressed up specially for the occasion, waited in line along with hundreds of children to meet New York’s most popular Santa, resplendent in his rose-colored crushed velvet outfit:

Santa Paws 2015

The same man has played the role of Kris Kringle for 25 straight years at the ABC Home store in New York City. He told The Huffington Post on Wednesday that unlike some of the thousands of children who visit him every year, “the dogs I’ve met are very well-trained, sit on my lap and don’t kick my legs. And they don’t cry.”

ABC Home’s Santa has seen every type of dog over the years, but his biggest shock came when a bull mastiff came to visit: “He was as tall as me! Can you imagine?”

The canines in the picture are no different from the kids in knowing exactly what they want for Christmas. “These schnauzers wanted endless raw hides and a comfy new bed,” Santa said.

And just in case those dogs don’t believe that Santa can make their wishes come true, he has this message:

“A woman came to me crying one year. I said, ‘Why are you crying?’ She said, ‘My daughter is in Africa this Christmas.’ I told her, ‘Don’t cry, next year you will be with your daughter.’ The following year she came to me and said, ‘Do you remember me?’ I said, ‘Yes, you were the woman crying last year.’ She said, ‘I want you to meet someone.’ From behind her, her little 8-year old girl appeared. She said, ‘You told me I would be with her! And she is here! A little miracle.’”

How’s that for Christmas magic?

CORRECTION: An earlier version of this post said ABC Home featured the same Santa for 20 years in a row. In fact, it’s been 25 years. 

via Santa Paws Has Come To Town

P.S. If we’re wrong and you still need help with your health or travel insurance, please contact us at 877.789.5831 and one of our experts will happy to help you right away!

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Still Time to Buy Holiday Travel Insurance http://www.geldin.com/2015/12/16/news-updates/time-buy-holiday-travel-insurance-003516.html http://www.geldin.com/2015/12/16/news-updates/time-buy-holiday-travel-insurance-003516.html#respond Wed, 16 Dec 2015 12:00:55 +0000 http://www.geldin.com/?p=3516 As we close out Open Enrollment Health Insurance Season, we turn to The Holidays:

Holiday travelers to top 100M for first time

ever; most will drive

Holiday travelers to top 100M for first time ever; most will drive

The national average price for gas is poised to fall below $2 per gallon by Christmas.

For the first time, AAA projects winter travel to top 100 million. This is the 7th consecutive year the number has risen.

If you hit the roads, the skies or the rails this holiday season expect to have a little company: almost one-third of the country to be exact.

The number of holiday travelers this year will top 100 million for the first time, the AAA travel organization said Tuesday. Most of those people will be driving – and fueling up for less than $2 a gallon.

“Rising incomes and low gas prices are helping to fill stockings this year, and more people than ever will choose to spend those savings on travel this year,” said Marshall Doney, CEO of AAA.

The group is expecting 100.5 million people who will travel at least 50 miles from home from Dec. 23 through Jan. 3. That number nearly triples the 38 million travelers for the Thanksgiving holiday this year and represents a 1.4% increase over last year. It is the seventh consecutive year of growth since a low of 85.7 million travelers in 2008 during the recession.

“The holidays are a time for joining with friends and family, and the record number of people traveling this holiday should make for a joyous travel season,” Doney said.

The growing labor market and lowering gas prices are driving the increase, according to AAA, which provides services to 55 million members for travel, insurance and automotive-related services.

Nearly 91% of holiday travelers will drive; about 5.7% will fly to their destinations. Travel by other types of transportation, such as buses, cruises and trains, will increase to 3.4 million travelers.

The national average price for gas is poised to fall below $2 per gallon by Christmas, which is 55 cents less than last year, according to AAA. New Year’s Day will see the lowest prices since 2009, the group said. The price on the first day of the year climbed to $3.32 per gallon in 2014 before dropping to $2.24 at the start of this year, AAA said.

Airfares for the top 40 domestic routes are 6% lower for the holiday season than last year, for an average $174 round-trip, according to AAA’s Leisure Travel Index.

Rates for AAA three-diamond hotels will be 4% higher, at an average $150 per night, the group said, and daily car rental rates will average $68, which is 3% higher than last year.


via AAA: Holiday travelers will top 100M for first time

Whether your driving or flying, call us for help you with your travel insurance needs: 877.789.5831

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Flu shot, or Scared of Santa? http://www.geldin.com/2015/12/10/news-updates/flu-shot-scared-santa-003507.html http://www.geldin.com/2015/12/10/news-updates/flu-shot-scared-santa-003507.html#respond Thu, 10 Dec 2015 12:00:30 +0000 http://www.geldin.com/?p=3507

Flu shot, or scared of Santa? Can you guess

why these tots are crying?

All happy families are alike, and so are unhappy toddlers, whether they’re getting a shot at the doctor’s office or perched unwillingly on Santa’s lap. But Jimmy Kimmel had fun Tuesday night seeing if his audience could guess what was upsetting a few testy tots.

via Flu shot, or scared of Santa? Can you guess why these tots are crying?

Ok, what we were really looking for was the digital version of the AARP article with a cool
infographic on how to tell whether what you are feeling is a cold or the flu…sure hope our
info is easier to find than theirs!

Although we couldn’t find that infographic, here are the important bits of article from AARP’s
December 2015 Bulletin:

  1. Gargle Daily: “Once the cold and flu season starts, gargle daily and take probiotics. Gargling can lower your risk of getting sick, research shows, and probiotics may also help prevent colds and boost your immune system…eating yogurt with active cultures or taking a probiotic supplement. Supplements containing lactoacillus should have at least 5 billion colony-forming units per daily serving.”
  2. Feed a Cold AND a Fever: “The body needs healthy food and, especially, lots of liquids to help fight against both a fever and a cold.”
  3. Stay Home: “You’re contagious even before your symptoms start getting bad, say infectious-disease experts, so if you wake up feeling under the weather, the virus is already multiplying. Plus, you remain contagious for five to seven days after becoming ill. So do your colleagues a favor – stay home and don’t infect them.”
  4. Prevent the Flu: “Green tea has catechins, a type of antioxidant that can help protect against the flu, studies suggest. Even more dramatic: A 2012 study found that wearing a surgical mask and regularly washing your hands during the flu season resulted in a whopping 75 percent reduction in flu risk. Need another reason to wash your hands? Viruses survive on surfaces between two and eight hours, so people touching door-knobs and countertops who then touch their mouth or nose can get sick as the virus enters their respiratory tract.”
  5. Think have the flu? Pick up the phone: “Prescription antiviral drugs, such as Tamiflu, can shorten your misery by one to two days and help prevent complications such as pneumonia, but you need to take the medication within the first two days of the start of symptoms. In other words, don’t wait to call your doctor.”

Looking for that infographic?

Here it is:


Wishing you healthy week!

P.S. If we can help you with these last days of open enrollment, or with any other coverage questions, whether or not you have a cold or the flu, call us at 877.789.5831

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The Open Enrollment Shopping Window for 2016 Health Insurance Closing http://www.geldin.com/2015/12/02/news-updates/shopping-california-health-insurance-2016-003495.html http://www.geldin.com/2015/12/02/news-updates/shopping-california-health-insurance-2016-003495.html#respond Wed, 02 Dec 2015 12:00:26 +0000 http://www.geldin.com/?p=3495 California ends takeover of Alameda County

public health insurance provider

ALAMEDA — After teetering on the edge of insolvency last year, Alameda County’s public health insurance provider has turned its finances around, prompting the state to return it to local control.

The state seized Alameda Alliance for Health in 2014, saying the insurance plan was at risk of going under. Alameda Alliance covers more than 250,000 low-income people, most of them on Medi-Cal.

“We’re a lot stronger plan now, and I think we’re doing well,” said Marty Lynch, an Alameda Alliance board member.

Alameda Alliance has improved its tangible net equity, going from a $6.2 million deficit in May 2013 to a $75.3 million surplus in June of this year and currently a $105 million surplus. Tangible net equity is a benchmark state regulators use to determine financial solvency.

The California Department of Managed Health Care appointed Mark Abernathy of Berkeley Research Group as conservator in 2014 after finding that the plan failed to process and promptly pay tens of thousands of medical claims, which could have endangered its enrollees’ care.

Alameda Alliance now is paying claims promptly, and its workers are answering telephone calls much faster: 80 percent in 30 seconds or less. Before, there were complaints callers would be on hold for as long as hours.

“The goal of the conservatorship has always been to bring the plan into a healthy financial condition and transition the plan back to local control,” said Shelley Rouillard, Department of Managed Health Care director.

“I am very proud of all the work accomplished by the DMHC, the conservator and the staff at Alameda Alliance over the last year to get to this point,” she said.

Alameda Alliance was overwhelmed when its enrollment jumped by more than 50,000 in early 2014 as people began signing up under the Affordable Care Act, local health leaders said earlier. It also struggled with a new computer system.

Alameda Alliance is no longer part of the Covered California network, the state’s Affordable Care Act exchange.

In his September report, Abernathy said Alliance has reined in its capital spending. That is a far cry from his criticism in a 2014 report. “The Alliance has no control over its spending,” he wrote then.

Alameda Alliance also has a new management team. Scott Coffin was hired as CEO in May. Coffin previously oversaw Anthem Blue Cross’ services to Medi-Cal customers in 18 counties. He has worked in health care leadership for more than 20 years.

The state had fired Alliance’s previous top executives, escorting its former CEO Ingrid Lamirault and others out of the health plan’s office near Oakland International Airport.

“The transition from conservatorship to local control is a significant accomplishment for the Alliance,” Coffin said.

The state returned Alameda Alliance, which was formed in 1996, to local control at the end of October.

“We are committed to improving access to quality health care services for Alameda County residents,” Coffin said.

Contact Rebecca Parr at 510-293-2473 or follow her at Twitter.com/rdparr1.

via California ends takeover of Alameda County

public health insurance provider


Shopping California Health Insurance:

Shopping California Health Insurance? Open Enrollment ends soon for January effective dates. Smart consumers with existing insurance policies will turn to a local Certified Agent for a 2nd Opinion, because if the health plan changes after you enroll, you will be stuck with it for another year. Find someone with at least 15 years experience who is certified to compare off exchange and CoveredCA policies…like us at Geldin Insurance: 877.789.5831

via Shopping California Health Insurance

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