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<channel>
	<title>mpmyers.com</title>
	
	<link>http://mpmyers.com/blog</link>
	<description>Insurance and Financial Services Blog</description>
	<pubDate>Tue, 23 Sep 2008 21:21:00 +0000</pubDate>
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	<language>en</language>
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		<title>Medicare Part B premiums to be unchanged in 2009</title>
		<link>http://mpmyers.com/blog/2008/09/medicare-part-b-premiums-to-be-unchanged-in-2009/</link>
		<comments>http://mpmyers.com/blog/2008/09/medicare-part-b-premiums-to-be-unchanged-in-2009/#comments</comments>
		<pubDate>Tue, 23 Sep 2008 21:21:00 +0000</pubDate>
		<dc:creator>Michael</dc:creator>
		
		<category><![CDATA[Insurance Newswatch]]></category>

		<category><![CDATA[Medicare]]></category>

		<category><![CDATA[News]]></category>

		<guid isPermaLink="false">http://mpmyers.com/blog/?p=35</guid>
		<description><![CDATA[AP Online -
Sept. 22: Washington - The monthly premium for the vast majority of the elderly and disabled participating in Medicare will hold steady at $96.40 next year. It&#8217;s the first time since 2000 that the charge for health coverage is not increasing.
Premiums usually go up to reflect higher costs and demand for care projected [...]]]></description>
		<wfw:commentRss>http://mpmyers.com/blog/2008/09/medicare-part-b-premiums-to-be-unchanged-in-2009/feed/</wfw:commentRss>
		</item>
		<item>
		<title>Small companies can save like the big ones …</title>
		<link>http://mpmyers.com/blog/2008/09/small-companies-can-save-like-the-big-ones/</link>
		<comments>http://mpmyers.com/blog/2008/09/small-companies-can-save-like-the-big-ones/#comments</comments>
		<pubDate>Fri, 12 Sep 2008 16:38:02 +0000</pubDate>
		<dc:creator>mpmyer5</dc:creator>
		
		<category><![CDATA[Insurance Newswatch]]></category>

		<category><![CDATA[Uncategorized]]></category>

		<category><![CDATA[health insurance]]></category>

		<category><![CDATA[Save Money]]></category>

		<category><![CDATA[Self-Insure]]></category>

		<guid isPermaLink="false">http://mpmyers.com/blog/?p=34</guid>
		<description><![CDATA[Many, if not most, large companies self-insure or partially self-insure their companies health plans.
Did you know that even small companies can do this? Here are some of the benefits:

Plan design is mostly up to the employer.
It is not a major concern what the total potential exposure is, as you can still insure the company against [...]]]></description>
		<wfw:commentRss>http://mpmyers.com/blog/2008/09/small-companies-can-save-like-the-big-ones/feed/</wfw:commentRss>
		</item>
		<item>
		<title>Keep your health plans from bankrupting the company.</title>
		<link>http://mpmyers.com/blog/2008/09/keep-your-health-plans-from-bankrupting-the-company/</link>
		<comments>http://mpmyers.com/blog/2008/09/keep-your-health-plans-from-bankrupting-the-company/#comments</comments>
		<pubDate>Wed, 03 Sep 2008 20:05:04 +0000</pubDate>
		<dc:creator>Michael</dc:creator>
		
		<category><![CDATA[HSA Health Savings Accounts]]></category>

		<category><![CDATA[Insurance Newswatch]]></category>

		<category><![CDATA[Prescriptions]]></category>

		<category><![CDATA[Section 125 Plans]]></category>

		<category><![CDATA[health insurance]]></category>

		<category><![CDATA[Group Health Insurance]]></category>

		<category><![CDATA[HSA]]></category>

		<category><![CDATA[Saving Money]]></category>

		<guid isPermaLink="false">http://mpmyers.com/blog/?p=33</guid>
		<description><![CDATA[If you own a company¹ and provide health care coverage for your employees, how can you choose good coverage, and yet not send your company to the poorhouse?
Have you ever considered a Health Savings Account-qualified plan?  In recent years, many companies have moved to HSA&#8217;s to save money. This is a good thing, but what [...]]]></description>
		<wfw:commentRss>http://mpmyers.com/blog/2008/09/keep-your-health-plans-from-bankrupting-the-company/feed/</wfw:commentRss>
		</item>
		<item>
		<title>Helping to avoid having medical expenses bankrupt you.</title>
		<link>http://mpmyers.com/blog/2008/08/how-to-not-have-medical-expenses-bankrupt-you/</link>
		<comments>http://mpmyers.com/blog/2008/08/how-to-not-have-medical-expenses-bankrupt-you/#comments</comments>
		<pubDate>Sat, 30 Aug 2008 14:00:31 +0000</pubDate>
		<dc:creator>Michael</dc:creator>
		
		<category><![CDATA[Insurance Newswatch]]></category>

		<category><![CDATA[health insurance]]></category>

		<category><![CDATA[Avoid Bankruptcy]]></category>

		<category><![CDATA[Health Savings Account]]></category>

		<category><![CDATA[HSA]]></category>

		<category><![CDATA[limited benefit health insurance]]></category>

		<category><![CDATA[Medical Expenses]]></category>

		<guid isPermaLink="false">http://mpmyers.com/blog/?p=32</guid>
		<description><![CDATA[The news media informs us that many bankruptcies are a direct result of unexpected medical bills.  Interestingly, those most often experiencing this tragedy are people that many consider financially &#8221;well off&#8221; or in good occupations (and working!). 
Three groups less likely to be affected by unexpected medical expense tragedy:

The very rich.
The very poor.
The employed where the company provides good group medical insurance.* 

What [...]]]></description>
		<wfw:commentRss>http://mpmyers.com/blog/2008/08/how-to-not-have-medical-expenses-bankrupt-you/feed/</wfw:commentRss>
		</item>
		<item>
		<title>But I never get sick …</title>
		<link>http://mpmyers.com/blog/2008/08/but-i-never-get-sick/</link>
		<comments>http://mpmyers.com/blog/2008/08/but-i-never-get-sick/#comments</comments>
		<pubDate>Thu, 28 Aug 2008 14:00:34 +0000</pubDate>
		<dc:creator>Michael</dc:creator>
		
		<category><![CDATA[Accident Insurance]]></category>

		<category><![CDATA[Uncategorized]]></category>

		<category><![CDATA[health insurance]]></category>

		<category><![CDATA[Accidental]]></category>

		<category><![CDATA[Medical Insurance]]></category>

		<guid isPermaLink="false">http://mpmyers.com/blog/?p=30</guid>
		<description><![CDATA[Sometimes I have people tell me, I don&#8217;t get sick. Well, some people just don&#8217;t get sick &#8230; until they do.
For these people I often recommend a high deductible health plan. Then they are covered if and when they do get sick.
But some people, although they &#8220;don&#8217;t get sick&#8221; worry about accidents.
For these ones, I [...]]]></description>
		<wfw:commentRss>http://mpmyers.com/blog/2008/08/but-i-never-get-sick/feed/</wfw:commentRss>
		</item>
		<item>
		<title>Saving some real money on your Group Insurance …</title>
		<link>http://mpmyers.com/blog/2008/08/saving-some-real-money-on-your-group-insurance/</link>
		<comments>http://mpmyers.com/blog/2008/08/saving-some-real-money-on-your-group-insurance/#comments</comments>
		<pubDate>Tue, 26 Aug 2008 20:45:37 +0000</pubDate>
		<dc:creator>Michael</dc:creator>
		
		<category><![CDATA[Prescriptions]]></category>

		<category><![CDATA[health insurance]]></category>

		<category><![CDATA[Employee Benefits]]></category>

		<category><![CDATA[Group Insurance]]></category>

		<guid isPermaLink="false">http://mpmyers.com/blog/?p=31</guid>
		<description><![CDATA[There was a story on the PR Newswire dated August 18th that talked about the growth of CDHP&#8217;s (Consumer Driven Health Plans). These plans typically have higher deductibles, and are often put together with a health reimbursement account (HRA) or a health savings account (HSA).
Both of these stategies will help keep an employer&#8217;s costs down. [...]]]></description>
		<wfw:commentRss>http://mpmyers.com/blog/2008/08/saving-some-real-money-on-your-group-insurance/feed/</wfw:commentRss>
		</item>
		<item>
		<title>But what do I get out of term life insurance .. ?</title>
		<link>http://mpmyers.com/blog/2008/08/but-what-do-i-get-out-of-term-life-insurance/</link>
		<comments>http://mpmyers.com/blog/2008/08/but-what-do-i-get-out-of-term-life-insurance/#comments</comments>
		<pubDate>Sun, 24 Aug 2008 13:00:31 +0000</pubDate>
		<dc:creator>Michael</dc:creator>
		
		<category><![CDATA[Insurance Newswatch]]></category>

		<category><![CDATA[life insurance]]></category>

		<category><![CDATA[Retirement]]></category>

		<category><![CDATA[Term Insurance]]></category>

		<guid isPermaLink="false">http://mpmyers.com/blog/?p=24</guid>
		<description><![CDATA[You don&#8217;t usually think of Term Life Insurance as a retirement tool. We generally speak of this
as a means of having adequate protection during the raise-the-children years, or perhaps as a
tool for business, buy-sell agreements etc.
One of the downsides to term insurance is, &#8230; well, it&#8217;s for a term. Ten years, twenty years,
some fixed number [...]]]></description>
		<wfw:commentRss>http://mpmyers.com/blog/2008/08/but-what-do-i-get-out-of-term-life-insurance/feed/</wfw:commentRss>
		</item>
		<item>
		<title>Why Disability Insurance?</title>
		<link>http://mpmyers.com/blog/2008/08/why-disability-insurance/</link>
		<comments>http://mpmyers.com/blog/2008/08/why-disability-insurance/#comments</comments>
		<pubDate>Thu, 21 Aug 2008 13:00:36 +0000</pubDate>
		<dc:creator>Michael</dc:creator>
		
		<category><![CDATA[College Planning]]></category>

		<category><![CDATA[disability insurance]]></category>

		<category><![CDATA[Income Protection]]></category>

		<guid isPermaLink="false">http://mpmyers.com/blog/?p=28</guid>
		<description><![CDATA[Disability income insurance provides income for when a disability keeps one from doing their normal work load. It can be either personal, or business oriented. Many do not have disability insurance, either because they do not see the need, or they think it&#8217;s not possible in California to get adequate coverage.
I have known quite a [...]]]></description>
		<wfw:commentRss>http://mpmyers.com/blog/2008/08/why-disability-insurance/feed/</wfw:commentRss>
		</item>
		<item>
		<title>Medicare Web Site</title>
		<link>http://mpmyers.com/blog/2008/08/medicare-web-site/</link>
		<comments>http://mpmyers.com/blog/2008/08/medicare-web-site/#comments</comments>
		<pubDate>Wed, 20 Aug 2008 19:46:15 +0000</pubDate>
		<dc:creator>Michael</dc:creator>
		
		<category><![CDATA[Medicare]]></category>

		<category><![CDATA[Prescriptions]]></category>

		<category><![CDATA[Medicare Advantage]]></category>

		<category><![CDATA[Medicare Part D]]></category>

		<category><![CDATA[Medicare Supplements]]></category>

		<category><![CDATA[Prescription Drugs]]></category>

		<guid isPermaLink="false">http://mpmyers.com/blog/?p=29</guid>
		<description><![CDATA[An article appearing yesterday, August 19, in HealthDay News reports that &#8220;a majority of seniors who visit the Medicare Web site find getting the information they need a frustrating experience.&#8221;
If this is true of you, I just want you to know that I am here to help you. Give me a call, or send me [...]]]></description>
		<wfw:commentRss>http://mpmyers.com/blog/2008/08/medicare-web-site/feed/</wfw:commentRss>
		</item>
		<item>
		<title>What can I do for you?</title>
		<link>http://mpmyers.com/blog/2008/08/what-can-i-do-for-you/</link>
		<comments>http://mpmyers.com/blog/2008/08/what-can-i-do-for-you/#comments</comments>
		<pubDate>Mon, 18 Aug 2008 13:00:14 +0000</pubDate>
		<dc:creator>Michael</dc:creator>
		
		<category><![CDATA[Insurance Newswatch]]></category>

		<category><![CDATA[Medicare]]></category>

		<category><![CDATA[Prescriptions]]></category>

		<category><![CDATA[Uncategorized]]></category>

		<category><![CDATA[disability insurance]]></category>

		<category><![CDATA[health insurance]]></category>

		<category><![CDATA[life insurance]]></category>

		<category><![CDATA[Add new tag]]></category>

		<category><![CDATA[Advantage]]></category>

		<category><![CDATA[Dental]]></category>

		<category><![CDATA[Disability]]></category>

		<category><![CDATA[Group Insurance]]></category>

		<category><![CDATA[Low-Cost]]></category>

		<category><![CDATA[Medigap]]></category>

		<category><![CDATA[Pre-existing conditions]]></category>

		<category><![CDATA[Vision]]></category>

		<guid isPermaLink="false">http://mpmyers.com/blog/?p=21</guid>
		<description><![CDATA[Friends,
There are a lot of insurance agencies with websites up. All of them can and will sell you insurance. Why should you do business with me?
Let me tell you a little about myself. I kind of fell into this business. I was a project manager for a small to midsize General Contractor in Stockton CA. [...]]]></description>
		<wfw:commentRss>http://mpmyers.com/blog/2008/08/what-can-i-do-for-you/feed/</wfw:commentRss>
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