Cravello Insurance Services has been selected for the 2019 Best of Santa Maria Award in the Insurance Agency category by the Santa Maria Award Program. California has the largest elderly population in the country with 3.3 million residents age 65 or older. Nearly one in four California households are involved in care giving on some level.
This huge financial and emotional burden is measured in out- of- pocket costs and lost work. I'd like to clear up a few misconceptions about LONG TERM CARE! WHAT IT IS AND WHO PAYS FOR IT! Long Term care is attention to the details of your well being by another person when you are unable to perform normal activities of daily living.
This huge financial and emotional burden is measured in out- of- pocket costs and lost work. I'd like to clear up a few misconceptions about LONG TERM CARE! WHAT IT IS AND WHO PAYS FOR IT! Long Term care is attention to the details of your well being by another person when you are unable to perform normal activities of daily living.
Services
When shopping for a medicare supplement, be sure to read the booklet called Guide to Medicare mailed to you from Social Security which addresses this issue. There are many companies and plans from which to choose. For the most part these plans are standardized and regardess of the company you select the plan will mirror the same plan offered by a competitor.
This is Billie Jo Cravello with Insurance Savvy and one of the first questions I ask my prospective clients is "Are you taking any expensive, well-advertised medications?" One recent caller's response was, I don't understand that question, I have a $5 co-pay. The caller may only pay $5 co-pay but guess who's paying the balance?
LOCK-OUT: Unless you have a qualifying event you are LOCKED OUT of purchasing an ACA plan until the next open enrollment period. There are several qualifying events that will allow you to enroll outside the Open Enrollment window of time. However, there are strict government laws preventing insurance carriers from making exceptions from the "qualifying event" rule.
Reviews (1)
Thomas Hurd
Jul 21, 2020
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Called Cravello Insurance merely to make an appointment. Very nice staff asked a few questions, then put me through to speak with Billy Jo directly on the phone. She understood that our need was to change our insurance carrier AND our agent. She quickly explained what data we needed to email to her, and what costs were for application and coverage. Smooth, fast, competent treatment from her, with application from start to finish in one afternoon. Perhaps thirty minutes total on the phone. Great service from a great lady in the "people insurance" field! Five stars!
