FASFA Deadline is Fast Approaching

The FAFSA deadline is fast approaching. If your kids are planning you MUST Fill out the FASFA forms, no if’s and’s or but’s.

It seems like a daunting task, but if you don’t fill it out, you won’t get anything. If you do fill it out you have a 50/50 shot. If you haven’t started, don’t wait, click here to fill out the application on the FASFA site.

It’s also important to get started early and fill everything out completely and accurately. People make mistakes all the time and those mistakes can cost you money. 11 Common FASFA Mistakes is an article to help you know what you’re looking for.

Check with your school too. Your counselor can guide you if you don’t have a specialist in the school.

A New Year, A New Resolution

It’s hard to believe that it’s already 2016. A New Year, a new resolution or two. It’s time to close out one year and prepare for the next.

I’m looking back over the last year and see that I’ve started a new chapter in my life. While I’m still working things out I know I’m going into the right direction.

My first resolution is to continue my blog. My blog is still in the works and I’m learning all kinds of things. I can’t wait to put them into action.  I’m still having some technical issues, but see things coming together in the very near future.

Those following and reading, I hope you’ll stick with me as I put it together.

My New years resolution is to keep going and working my a- – off.

I would love your opinions. I’ve gotten a few but would love more.  Please comment, message me on facebook or send me an email. There’s also a contact form below.

I’m looking forward to a fabulous 2016 and putting my resolutions into action.

I Finished My Challenge

Yesterday is the last day of my challenge to post content in my blog for 30 days. I’m excited because I finished my challenge. I didn’t get to do each of the thirty days, but I was able to post many of the days in the challenge. About 80%. I wanted to do 30 posts, but when I look at what life has brought I’m proud of how much I’ve done.

Now I look forward to posting blogs on a consistent basis with lots of great information. That said, I won’t be posting everyday, but will do post consistently. That will be one of my goals.

I learned a lot and enjoyed passing on information. For me my blog is successful if I can pass on helpful information with a rant here and there. Please continue to read my blog and post your comments on my blog page. I want to remind you to sign up to receive my blog posts via email. Just Click Here and fill in your name and fill in your email address.

I am Looking forward to my future and what blogging has to bring. Now I’d like to ask a favor. Go to my blog and tell me what you think by writing a comment on my blog page and tell me what you want to know more about. Topics you’d like to see me blog about. I really want your feedback. If you would prefer to send me an email That would be great too. Whatever works for you. I want to continue, but want to write about things that you are interested in.

Thank you for reading my blog and Hope you are enjoying your holidays! Keep on reading.

What Does Health Insurance Really cover?

I am getting bills for medical costs that should have been covered by insurance. What does Health Insurance really cover? I can’t answer that. I’m looking at my claims for the year and find out I’ve paid out way more than my deductible.
When I called the insurance company they told me I have co-insurance after I pay my deductible. I said I don’t have any other insurance. Well shame on me. Co-insurance is actually what I pay after my deductible is met. I should have known that.

Here’s what I’m finding out and hope this will help you figure out what you are really getting.

Co-Pays for Primary Care Physician

Co-Pays for Specialists

Then you have the deductible which I’m trying to figure out if the Co-Pays are part of the deductibles.

Then there’s co-insurance. That means that after you have paid your deductible you pay a % for co-insurance which continues after I’ve met my deductible. But wait, I have a maximum out of pocket of $3000. But that doesn’t count because of the family out of pocket.

If that makes any sense to you, please explain it to me. I’ve asked for an audit because there is no way I can figure this out. It’s like taxes, someone decides on a law regarding taxes and it doesn’t have to make sense, you just have to know that’s what you need to do.

I think I’m going to get catastrophic insurance because this just doesn’t make any sense at all. Why do we pay for health insurance if we don’t get any real benefit from it.

I will be researching and suggest you do the same thing. Because I’m at $18,000 out of pocket between insurance, co-pays, deductibles and co-insurance. And did I mention there’s out of network as well?