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So far grace has created 23 blog entries.

ACS Insurance – Fast Cars & Dessert!

There’s a reason that I never purchased a Yugo. There’s something about having air conditioning, power brakes and a steering wheel that made me think that the savings weren’t worth the lost benefits.

The same goes for health insurance. I frequently get asked about sharing ministries and discount plans which are all over the airwaves and television ads.

While “sharing ministries” have a good concept – they fall way short of insurance. There are details in the religious tenets that you must abide by such as: no smoking, no drinking, no maternity out of wedlock, etc. You also must attest that you attend a place of worship regularly, take care of your body and exercise regularly. There are also pre-existing conditions with these plans.

Discount plans require you to pay a monthly fee and services are discounted for something that could happen anyway. Since this does not meet with the scope of the Affordable Care Act, the penalty still applies (the penalty for not having insurance is still in effect for 2018 – $695 or 2.5% of your gross income, whichever is greater).

On top of that, those plans do not have preventative care covered at 100% or annual max out of pockets.

In essence, you could end up paying a whole lot more in the long run than the monthly payment of another fully insured plan.

The bigger picture too is when something is not covered or the claims that are promised do not come to fruition. The Nevada Department of Insurance gets inundated with complaints that they can do nothing about because their duty is to enforce insurance companies.

My Mom used to say: “The proof’s in the pudding!” which meant that some folks purchased these products only to find that it wasn’t all that good.

So whether you understand cars or food (or sometimes both) be sure that you have a good car maintenance plan or grandma’s elixir on hand.

Until next month,
Grace

December Newsletter – my last writing — well, this year!

As a small distraction from the cooking, shopping, and overeating, here are some fun “revised” Christmas/Holiday songs to make you smile a little.
TOP HOLIDAY SONGS BY ACS INSURANCE:
• Walking In An Insurance Wonderland
• I’m Dreaming of Open Enrollment
• I Saw Mommy Kissing Her Insurance Broker
• Baby It’s Insurance Time
• Frosty, the Repeal, Replace, Repair Snowman
• Jingle Claims
• Little Deductible Boy
• All I Want For Christmas Is Low Premiums
• New Mandates Are Coming to Town (this one has a new version every month!)
 
Our offices will be closed on:
Monday, December 25 & Tuesday December 26
(to spread cheer and recover from the food coma)
 
Monday, January 1 & Tuesday January 2
(to reactivate our gym memberships)
Merry Christmas and Happy Holidays!
Andy, Grace and Steve

October Newsletter – Itsy Bitsy Spider

It’s time to talk about drugs, kids.

Now, the current push is to get kids to not take drugs, but from where I am sitting, there are folks who need to take them.

For instance, I have many clients who for one reason or another either:
1) Are afraid of doctors (called Iatrophobiain case you’re wondering)
2) Are afraid of needles (Trypanophobia)
3) Are afraid of spiders (sorry – went on a tangent). (Arachnophobia – but you knew that one).

Here’s what I know:
1) If you’re sick, go to the doctor – that’s what you have insurance for.
a. Added bonus: the waiting rooms have that old copy of Field ‘n Stream that you forgot to read…last summer.
2) If you’re afraid of needles, you probably shouldn’t go outside either.
a. You might get bit by a black widow spider and that hurts WAY worse. Then you’ll have to go to the urgent care, and get a shot anyway.

In all reality, folks have insurance but won’t go to the doctor – or know that they have a prescription – but won’t get it filled.

Unfortunately, there can be complications from NOT taking the medication than just taking it in the first place.

Don’t have a doctor or pharmacy? Ask your family and friends who they trust for their care (because they do go to the doctor). That’s what THEY are here for.

Don’t have insurance? That’s what WE are here for!

Give us a call and we promise not to talk about how many spiders are ingested while you sleep!

Until next month,
“Silly people, serious about insurance.”
Grace

Who has Ophidiophobia! You’ll have to look that one up!

September Newsletter – Ch-ch-ch-changes

So you’re confused about the changes to the health care law? I get that question (or comment) a lot. I mean, a lot. In fact, when I say ‘a lot’ it could be a parking lot worth of questions. Truth is, no one knows how the changes, or non-changes will unfold.
 
It took 14 months to get the ACA to pass.
 
In perspective, here’s some scenarios on 14 months:
 
A 14 month old toddler can utter many words beyond “Mama” and “Dada” – although when you listen to Congress sometimes they sounds like baby babble!
 
A 14 month old in Utah learned to snowboard (try chasing THAT one down to change a diaper).
 
For 14 months, a Man was lost at sea and survived. (See? There’s hope for health care to survive as well) – although the man might have wanted to disappear.
 
We can only anticipate that it will take at least 14 months for any changes to happen. What I can tell you for sure is that nothing has changed yet – as far as the law goes. The individual mandate and employer mandate are still alive and well (maybe not ‘well’ – but they’re still intact).
 
As changes happen, rest assured that the folks at ACS Insurance will keep you updated.
 
Until next month,
“Silly people, serious about insurance.”
Grace
Who also has changed – my last name! Got married 8/26/17!!

August Newsletter – Robots and Mazes

I have always considered myself a fairly good test taker. I love puzzles and crosswords and always up for a challenge. However, one test that I seem to fail over and over is the “I am not a robot” test on websites.
 
Maybe because I tend to overthink things.
 
On a recent “robot test” I had to mark the squares which showed a street sign. I marked almost all of the squares because the pole that holds the sign is also the street sign. Which by the way was wrong. (I’m sure that the Planning Department thinks the poles are part of signs as well).
 
Since I failed that one, I then get another test that shows cars – and I am to mark the cars in the squares. Well, if part of the antennae is in another square…you guessed it…I mark it. While I can appreciate the need for security, it can be frustrating to work with technology.
 
You know who are NOT robots? The folks at ACS Insurance that’s who. When you call our offices, we won’t ask you to find the cheese in the maze or even make you one of Pavlov’s dogs. What we will do is give you superior customer service and attention!
 
We are also excited to announce a new member of our team: Steve Perwein! If the last name is familiar – yes – it is a chip off the old block. Andy’s son came to work with us and just got his health and life license. Woohoo! Another non-robot! (Did you also realize that I got to call Andy ‘old’?)
 
The moral of this story is that when you are looking for insurance – check us out first! That way, you know you are dealing with a real person and not just a number, or a robot on a website.
 
Until next month,
“Silly people, serious about insurance.”
Grace
 
Who realizes that I am now outnumbered in the office, but am the same age as Andy.

July Newsletter – Pinterest Warning

Warning: Adult Content. Reader discretion is advised. Usually when I see that in the headline, I quickly scroll past so that I am not laden with nightmares for weeks.
 
Warning: Uncomfortable Content. Reader warned that random ramblings could ensue.
 
My last writing was about Disability Insurance and the need for your paycheck to be secure in case of injury or illness. This month I want to take it a little further…what if the disability turned into a Long Term Care need?
 
I did some research on the subject of Long Term Care. Giggled a bit that my favorite website, Pinterest had an array of topics and memes on the subject.
 
Warning: Grace is going on a rant… Pinterest is usually “My Happy Place” where I go to get inspired and find new projects, ideas and useless things that I never knew that I couldn’t live without. Case in point – the bottle cutter I bought when insomnia kicked in last year (double bonus – I have Amazon Prime and got it in 2 days!). Fast forward to today and I have advanced to a new wet tile saw and full blown candle making (bottle cutter is now in a dusty drawer somewhere)….all thanks to Pinterest.
 
Warning: Back on topic: Here’s the point – if Pinterest knows that there is a need to talk about Long Term Care, then shouldn’t we? If you are not 100% certain that your kids will love changing your diapers when you’re older (Warning: THAT was a visual!) or that your LTC facility is not on the “list” of Worst LTC facilities in the nation, then we need to talk.
 
Warning: You could end up at one of those facilities if you don’t have the right type of Long Term Care insurance (or any as a matter of fact).
 
Give our offices a call and let us show you how affordable Long Term Care insurance can be. Or, I will even brag about my newest project (my yard).
 
Until next month,
“Silly people, serious about insurance.”
 
Grace
Warning: Pinterest is just a diversion for housework.

May Newsletter – Weeds and Seeds

 

 

It’s spring!  Spring is a great time to get personal stuff in order.  Time to dust off the outside furniture, put the yard together and pull a few weeds.  With the weather we have had this winter, I know I’m not the only with one with more than my fair share of weeds.  I have found that weeding my yard is actually therapeutic and gets me to slow down and clear my mind.  Gives me a bit of peace as well.

Spring cleaning isn’t just about the physical things that we need to do – sometimes it can be things that we are putting off…like getting the oil changed in the car, or making sure that all of our insurances are up to date.  Not just that the policies are paid, but that you have the appropriate coverage in place for your needs.

So since we’re talking about weeds…we have to talk about planting seeds…and here’s mine:  May is Disability Awareness Month.  Not that it takes a special month to get us thinking about a “what if” – but what if you were disabled? Maybe through an unfortunate accident or disease (like any accident is fortunate…haha!).

A new survey says that the average American has less than $1,000 in savings.  $1,000 doesn’t take you very far if you become disabled when you suddenly lose your paycheck – either temporarily or permanently.

Already have a disability policy?  Maybe it’s time to look at a cancer plan, accident, or hospitalization plan.

While I am not going to pull weeds for you, or take your car to the shop, I can help secure your paycheck. Give yourself a little peace of mind should you teeter a little too far on the top rung of a ladder or trip over your own rake (which I have done both this past week).  Glad I am covered.

 

 Until next month,

“Silly people, serious about insurance.”

Who sometimes likes pulling weeds more than planting seeds.

 

April Newsletter – Crystal Balls and Lava Lamps

My Crystal Ball is broken.  I checked the batteries, downloaded the latest version of the app, and even took it to the shop for repair.  No one could seem to understand why it wasn’t letting me know the future of the ACA.

For specifics, the ACA has now been named “AHCA” because we all can’t agree on everything (or at times, anything).  AHCA stands for the American Health Care Act.  I think that pronouncing AHCA sounds like I am ready to sneeze and a “Bless You” will ensue “AHCA-Chooooo”.  Bless you.

This is truly the most asked question:  “What’s going to happen to Obamacare?”  This is where I refer back to my broken Crystal Ball.  No one knows.  As of today, the ACA/Obamacare/Your Plan are remaining intact and is still law of the land…well, until it isn’t – truly is that easy.  Right now anyway.

Maybe I should look into my Lava Lamp instead of the Crystal Ball.  At least my Lava Lamp is more accurate with bubbles that burst, stretches and never ending ups and downs.

I have to apologize for missing several months of sending out newsletters.  Truth is that life sometimes gets in the way (weddings, funerals, kitchen remodels and most importantly, Open Enrollment).  It wasn’t until a close friend and colleague told me that my newsletters were missed in her inbox.  Sometimes it takes a little nudge (…or nag…you choose the wording) to get us back on the right track.

Maybe all my Crystal Ball needs is a little nudge, too.

 

 Until next month,

“Silly people, serious about insurance.”
Grace

Who will forever miss my friend’s replies to every eblast.

October Newsletter – Nev-AH-Da Day

Halloween is not one of my favorite holidays.  Mainly because I was born in Reno and grew up in Carson City. If you’ve ever been to a Nevada Day Parade, you would understand the loyalty to the birthday of our great State.
Sort of like when you hear folks pronounce Nevada incorrectly.  I don’t know about you, but I always feel the need to correct them on that one.  They may have their shirt on backwards, spinach between their teeth or an ax murderer behind them – all will be overlooked if they draw out the “ah” in Nevada’s pronunciation.
I have always felt that Abe Lincoln could have waited at least one more day to make Nevada a State – that way, Nevada Natives like myself would probably celebrate Halloween a bit more.  I also wouldn’t make kids trick or treating say “Happy Nevada Day” when they come to my door.  But alas, Abe probably wasn’t thinking about Grace in 1864.
Halloween is not one of my favorite holidays.  Mainly because I was born in Reno and grew up in Carson City. If you’ve ever been to a Nevada Day Parade, you would understand the loyalty to the birthday of our great State.
Sort of like when you hear folks pronounce Nevada incorrectly.  I don’t know about you, but I always feel the need to correct them on that one.  They may have their shirt on backwards, spinach between their teeth or an axe murderer behind them – all will be overlooked if they draw out the “ah” in Nevada’s pronunciation.
I have always felt that Abe Lincoln could have waited at least one more day to make Nevada a State – that way, Nevada Natives like myself would probably celebrate Halloween a bit more.  I also wouldn’t make kids trick or treating say “Happy Nevada Day” when they come to my door.  But alas, Abe probably wasn’t thinking about Grace in 1864.
What does this have to do with insurance?  Uh, well, nothing.  Wait.  I have to talk about insurance to keep the Bossman Andy happy.  How about this:  If you have an axe murderer behind you, make sure that you have life insurance.  I will let you know that he (or she, not to discriminate) is behind you, once your paperwork is completed.
Happy Nevada Day and Happy Halloween (for you non-natives).
What does this have to do with insurance?  Uh, well, nothing.  Wait.  I have to talk about insurance to keep the Bossman Andy happy.  How about this:  If you have an axe murderer behind you, make sure that you have life insurance.  I will let you know that he (or she, not to discriminate) is behind you, once your paperwork is completed.
Happy Nevada Day and Happy Halloween (for you non-natives).
Until next month,
Grhalloweenace
Who hopes you have a great 3 day weekend! 🙂

August Newsletter – Love from Pepe!

One of my favorite cartoon characters is Pepe Le Pew.  Always the eternal optimist when it comes to love. As Pepe would say, love is in the air.  But as Grace would say, so is the Zika virus.

Sometimes it is difficult to decipher the difference between Love and Zika.  They both make you break out in sweat, can cause pain and the occasional eye strain.

Here’s what I’ve surmised as the “dating through the ages” questions:

In the 20s:  “What’s your favorite color???  Movie???”

In the 30s:  “What kind of house do you want???  Dogs or cats???”

In the 40s: “How is your 401K??? Retirement plan???”

In the 50s and beyond: “What’s your credit score??? Who is your life insurance beneficiary???  Do you have all your own teeth???”

Unfortunately, most times we don’t think of retirement or life insurance until we are more mature and begin to realize how we want to spend our golden years.

Hopefully you’ve got a good grasp on your financial future; you saved where you needed and have a life insurance policy.

If you don’t, or if you want us take a second look, give us a call.

Since next month is September – it’s also Life Insurance Awareness Month.  We want to make sure that your life insurance is as good as your love life.

Even though we can’t help with your love life, we can help with your life insurance and retirement planning needs.

PEPE

Until next month,

“Silly people, serious about insurance.”

Grace

Who has asked all of the above questions a time…or two…