All Posts By Jeff Smith
President of Castaline Insurance Agency. Husband and father of 4 awesome kids. I love eliminating the confusion insurance brings. What can I do for you? Send me your auto, home, life, and health insurance questions.

How to Buy Health Insurance in California

Low Price. Good Coverage. Large Doctor Networks. Those are the components of individual health insurance that every shopper is looking for.  Unfortunately, you can’t have all three.  Now that I’ve burst your bubble, let’s take a look at how to buy health insurance in California.
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The Golden Age of Personal Safety

What’s wrong with the world today?  Violent crime is up. Severe weather is up. Campus rape is up. Cancer deaths are up. What happened to our march toward civilization, peace, harmony?  It is the 21st century after all. We all know right from wrong.  We consider ourselves more intellectually advanced.  We certainly have more technology,…
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Is Covered California for you?

Covered California is the Affordable Care Act exchange or marketplace for the state of California.  It was set up to provide a place for Californians to buy new ACA qualified plans beginning in 2014 and it’s the only place for Californians to go to receive a subsidy on their health insurance. When Covered California was…
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Federal 90-day Waiting Period Options

On January 1, 2015, the federal government imposed a maximum 90-day waiting period for new employees to be added to their employer’s health insurance.  This new rule was, of course, part of the Affordable Care Act. Traditionally, employers were allowed to choose a waiting period to their liking with some employers choosing 6 months or…
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Should I buy health insurance from Walmart?

Walmart is now selling health insurance.  Yep, Walmart. The world’s largest retailer plans to work with DirectHealth.com, an online health insurance comparison site and agency, to allow shoppers to compare coverage options and enroll in Medicare plans or the public exchange plans created under the Affordable Care Act. So should you go down to Walmart…
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