Amelia Nosehart’s favorite day of the year was the day after Thanksgiving when Rancho Bernardo shoppers could get a head start on their Christmas shopping with early bird specials.  Retail stores in neighboring burbs would open at two, three, four, five a.m. in efforts to woo obsessed shoppers just like Amelia.  But at Ye Olde Pet Shoppe what should have been a touch exotic as 3:37 a.m. sprees go almost turned deadly.  The chain store’s “exotic reptile” section was selling “Baby spitting cobras” for an amazing $1.99 each. As Amelia joined the crazed throng of “early birders” she knew she had to have two or three of the venomous little critters, assuming they’d been defanged of course, as pets for her nephews Josh and Andy, both notoriously difficult to buy for. As Amelia nearly “flew” through to the front of the frenzied crowd of typical Black Friday bargain hunters, a glass case accidentally cracked open in the madness and she heard a slight “hsst” and felt excruciating pain in her left eye, the one with its stigmatism.

Rushed to the nearest hospital for obligatory antivenin treatment and eye cleansing, Amelia  was obliged to stay overnight as a precaution, and called Matt Lockard, her friendly California Health Insurance agent at his office in Ventura, just to let him know what had happened at Ye Olde Pet Shoppe.

“Matt. Guess who this is? It’s Amelia. I’m in the hospital,” she said.

He kind of recognized her. “Like the legend?”

“Yes, sort of,” she said, “Guess what happened to me on Black Friday.”

“What?” he asked, remembering the policy he’d sold her just a few months back, covering just about any kind of emergency.

She provided the gory details, about the crowds, the frenzy, the early morning madness, and the baby snakes for her nephews.

“You’re lucky you can still see out of that eye,” Matt opined.

“I can’t at the moment. They gave me a patch. It’s still light-sensitive.”

“Oh,” Matt said, “but you sound so happy.”

“Why shouldn’t I be happy?” explained Amelia, “Ye Olde Pet Shoppe not only gave me the baby cobras for free, they threw in an EXTRA pair. They’re all in my semi-private room with me now in a convenient ‘holiday’ Plexiglas case. Josh and Andy are going to be absolutely thrilled!”

“I hope these have been defanged,” Matt offered.

Amelia squinted, feeling a twinge.

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Mrs. Tumera Yakamora, 87, weighed less than ninety pounds, but her Medigap coverage purchased from that bird-loving Matt Lockard was in effect if she ever needed it. Long-widowed, a single passion remained:  Watching the birds that flocked to her Vallecito home.

Her mistake seemed innocent except when considered in retrospect. While stocking certain bird feeders, she began substituting small bits of pork chop instead of the recommended suet. “I think this will be a nice change of pace for my little friends,” Mrs. Yakamora said to no one in particular.  She often engaged in lively banter with no one in particular.

Pork chop in any form is not recommended for bird feeding.

She first saw the vultures, an inquisitive pair that she tolerantly chose to name Judy and Punch, on a Tuesday afternoon. But by Wednesday dozens hovered in the increasingly fetid air. Several perched aggressively in her desert willows. “There’s too many,” Mrs. Yakamora said, before making a second mistake of getting a broom and attempting to shoo them.

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 She became frightened when a cadre of the scavengers, only slightly smaller than condors, began circling very low, hissing, and chasing her about. A particularly vicious one caused her to trip and fall. When she noticed several pieces of decaying pork chop protruding from its beak, she couldn’t suppress a scream.  This sound bred of fear must have provoked the creature still further. Only barely did she manage to pick herself up and scurry back into her kitchen.  Mrs. Yakamora couldn’t help wondering if she’d been vulture-nipped as she reflectively sipped a cup of her favorite jasmine. She chose that moment to call Matt Lockard at his office far away in Ventura.  “Matt,” she managed, “it’s Tumera Yakamora.”

He had no idea what had been happening on the other end of the phone line when he said, “How’s the birding going? See any odd species lately?”

She began sobbing before she mentioned Judy or Punch.

“I saw a blue jay in my yard yesterday,” he said, “first one in a while.”

“Matt stop!” she shrieked, “I got vultures!”

“That’s okay,” he said without missing a beat, “You still have Medigap.”

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They were everywhere. Dotting the grasslands of California were vestigial gates, the beginnings of fences, thousands of such ethereal structures acting as portals to emptiness.  These creations were made by one Jack DeVries, an artist hailing from Modesto. One day the quasi-celebrity strolled in to California Health Insurance agent Matt Lockard’s office. “I was expecting you,” Matt said.

“I’ve heard of you,” DeVries said.

“And I of you,” countered perhaps the most celebrated California Health Insurance agent in all of Ventura.

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The obvious question hung in the air. Why does DeVries do it? Leave so much to the imagination, unfenced, leave gates constructed that anyone could walk around in a few steps, and well, just enter.

The answers began pouring out of Jack DeVries’s gob, a trickle of words that grew into a torrent. DeVries spoke of a fixation, a fetish if you will, and perfection spent entirely with every detail tended to: To Jack DeVries, the Devil was indeed in the details, trapped in the gate. The artist’s only stipulation was that his gates be wooden.

It was then that Matt Lockard learned that the maker of stranded gates felt similarly about insurance. “I need a plan that is like my lovely gates,” the artist voiced in an odd creaking tenor that reminded Matt of a gate opening wide enough to let a health insurance salesman in.

Matt knew instantly what the man desired in his heart of hearts. “Oh, you must want a PPO Plan,” he said simply, a bit like Yoda in that movie.

Jack DeVries smiled a gate-like grin, and this time when he pursed his lips they made a creaking sound.

Matt Lockard had known immediately that a PPO bore a certain similitude to the gates. Although without accompanying fences, these unfinished structures were precisely perfect in every nuance, just as a PPO tailored to Jack DeVries would feature the masterpieces of physicians specializing in every aspect of a certain artist’s personal healthcare.

“That’s exactly what I need,” Jack DeVries croaked again, “How did you know?”

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Bob was kidded about his name whenever he played golf. “How come you never make par?” his golfing buddies teased. The truth be known — Bob Parr was a lousy golfer. He shanked or hooked most drives, and popcorned his iron shots. He missed putts less than four inches in length. “I’ve never seen anybody do that,” remarked Bob’s friend John P. Knotworth. But on the 12th hole, a par-three dogleg, the unfortunate Knotworth was standing about fifty feet down the fairway when Bob Parr struck his fateful tee shot with an ancient driver. Knotworth was way off to the side and seemingly safely out of Bob’s line of fire. The golf ball, a brand new dimpled Titleist, had other ideas. Struck hard by big Bob, who stood six foot six and weighed close to 250 pounds without his cleats, the Titleist careened on a straight diagonal, striking John P. squarely on his forehead before he had a chance to duck, knocking him cold. Pete and Gary, two other members of the foursome, gazed upon the scene in horror. Bob was mortified by the accident he’d caused. “Oh no!” Bob screamed. John P. Knotworth resembled a dead sunfish lying by a golf course pond even by the time the paramedics arrived.

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The next day when the foursome had gathered in John P.’s hospital room, the victim was conscious and smiling, although the raised welt on his forehead looked angrier than the sting of a hornet. Pete and Gary were grinning too, but big Bob was worried – perhaps because he’d been responsible. “I’ll pay your bill,” Bob offered graciously, “it’s the least I can do.”

John P. Knotworth laughed a hearty laugh that sounded a bit like a long drive struck correctly, straight as an arrow. The knot on his forehead must have still been hurting, but he didn’t let on. “Forget about it. My California Health Insurance agent sold me a policy a while back. We got you covered Bob.”

Pete and Gary joined John P. in a fit of manly laughter that must have lasted for two minutes while Bob just stood there, finally managing a sheepish grin of his own.

“I’ll practice more on the driving range,” Bob promised. “I’ll hit five hundred balls!”

Pete was a jokester right then. “Better make that a million!” he said. That line got everybody laughing.

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Moms to be unable to afford California health insurance coverage may qualify for the Access for Infants and Mothers Program (AIM) or else the Medi-Cal Income Disregard Program, both administered by the State of California.

If the Terminator’s controversial budget cuts somehow spare them, two health insurance options that financially struggling pregnant moms to be might target is AIM – The Access for Infants and Mothers program, a health insurance program administered by the State of California that is not a Medi-Cal program, and one that is, the Medi-Cal Income Disregard Program.

AIM provides full coverage private health insurance at low cost to pregnant women during pregnancy as well as a full two months beyond into post-natal. To be eligible, the family’s income must fall between 200% and 300% of the Federal Poverty Level amount as configured by the size of the applicant’s family. Property limits do not apply. Applications are accepted at local Social Service Agency Intake offices where an appointment with an Information Supervisor is appropriate.

Although the Income Disregard Program has a lower income threshold for eligibility, it involves considerably more “red tape.” Pregnant women seeking “Income Disregard” coverage must apply in person by visiting one of the Social Service Agency Intake offices and filling it out an application or calling an Intake office and asking for a mail-in-Medi-Cal application. Again, the Information Supervisor is the key contact person. But to “disregard” your income, you first must prove that you don’t have any, more or less. Applicants must provide proof of identity, proof of pregnancy, proof of Social Security number, proof of immigration status, proof of California residency, and perhaps most crucially, proof of income. So expect to bring along a slew of documents to your interview.

Requirements are stringent because the Income Disregard Program is true to its name. To eligible pregnant women, this special Medi-Cal program provides prenatal and postnatal care to pregnant women at no cost. But pregnant women applying for this program must be fully evaluated by an Eligibility Worker (EW) at one of the Intake offices and determined to have a share of cost. A share of cost is roughly equivalent to a monthly deductible. It is the amount for medical expenses that a Medi-Cal beneficiary must pay or be obligated to pay prior to any reimbursement for medical expenses by Medi-Cal. Also, the net nonexempt family income must not exceed 200% of the Federal Poverty Level while eligibility can begin no earlier than the first day of the month the pregnancy is reported.

Matts Health Insurance is an extremely versatile firm for Californians in the market for just about any kind of coverage.

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California Health Insurance

Our services begin with California health insurance plans for individuals and families. A free and accurate instant quote awaits you at MattsInsurance4CA.com. We offer Medicare Supplement Insurance plans to fill in those tricky “medigaps.” Instant quotes are also available for term life insurance, so that your loved ones can be provided for when the time comes. Dental insurance plans can be quite complicated, but we offer dental plans which can be tailored to healthier smiles. Access to reliable health care via child health insurance is a necessary part of any child’s development. But without a reliable plan for your child or children, young people can needlessly be placed at risk. Quotes for child plans are also available instantly on our convenient website. How about medical insurance protecting you or your loved ones when you’re traveling? Matts offers travel medical insurance to citizens of any nationality worldwide. We provide individual or group travel medical insurance for:

• Individual coverage for a vacation
• Your employees in locations around the world
• Long and Short Term coverage for mission organizations and missionaries
• Exchange student health insurance

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Last but far from least, is our health insurance Anthem Blue Cross for Californians, one of our most popular choices. Our service and expertise provides our Anthem customers with a distinct advantage.

Whether you need an individual or family plan, a child-only plan, or a senior plan, Matts Health Insurance Services has a health plan that’s right for you. Matts options include affordable monthly premiums, discounts on medical care, and your choice of doctors.

To learn more please visit: http://www.mattsinsurance4ca.com

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Mattsinsurance4ca.com is a licensed health insurance agent in California. They provide instant online quote for health insurance, Medicare Supplements, travel health insurance, and child only health insurance.

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The cost of health care is constantly increasing. The very thought of paying our health care bills from our pocket seems to be a scary proposition. You should never take chance with our family’s financial security. Though it may appear to be a major expense, it is certainly one of the essential expenses that should not be avoided.

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There are number of ways to get a California health insurance policy at an affordable price. With a little effort, you can certainly find a cheap health insurance policy with good health benefits for your family. Contrary to common belief, California health insurance policies can be very affordable.

Before trying to identify the right health insurance policy, spend some time evaluating your family’s health care requirements. Take into consideration also the dental health care that is often missed out for your children. Because of the cost of the dental health services, many people tend to ignore their dental care. It has been found that most diseases emerge due to poor dental care and with good dental care, we can keep many diseases at bay.

If you have a newborn then you probably visit your physician for regular well baby checkups, so go for a policy that is rather comprehensive. This will help you get a better coverage and this will also cut down your medical bills.

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While shopping for health insurance, do not hesitate to get help from health insurance professionals. They can prove to be highly helpful in terms of finding the right policies and in getting the best deal available in the market. Independent health insurance agents are always up to date on all the latest policies, discounts etc. A health insurance broker will have all the latest information at his or her fingertips. You can confidently approach them for help because unlike before with the advent of the internet all the information is easily accessible to the public. By making use of a health insurance agents help, you will certainly be able to get the best coverage possible at the best price possible.

Get all the help required and do not delay in signing up for a good health insurance policy. Once you have decided to signup for a health insurance policy for you or your family, process the application immediately because the longer you wait the more vulnerable you are. If you’re searching for the right health insurance policy, visit Mattsinsurance4ca.com to compare health insurance plans and prices. Always make sure to keep your family’s security as your priority.

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Most of the articles I read about Universal Health Care are peppered with two phrases, “Health Care” and “Health Insurance”. The two are very different yet most articles combine the two as one item. So I’d like to clear up the difference between the two so that there is no further confusion.

Let’s start by defining the two phrases with Wikipedia.
• Health care*: healthcare is the prevention, treatment, and management of illness and the preservation of mental and physical well being through the services offered by the medical, nursing, and allied health professions.

• Health Insurance*: The term health insurance is generally used to describe a form of insurance that pays for medical expenses.

Now that we know the difference between the two I want to bring in a few quotes from the latetest Health care news I’ll find on Google.

Here’s one:
Mary Shesgreen from the Daily Herald says in her article titled “Support move to universal health care” that in the U.S 18,000 people die each year from lack of access to Health Care* (Please refer to the definition above on what health care* is). Mary goes on to say that the people who pay for our medical expenses (see Health Insurance* above) are enormous parasite on the U.S. Health Care* system. Okay, please refer back to the definitions at this point. The people paying the bills, are the so called parasites? Mary has just told us that the person paying our medical bills is bad and that the  Health Care* providers who are charging the enormous amounts for HEALTH CARE* not to blame. You now, when I read this type of thinking I’m reminded of that show on MTV called My Super Sweet 16. It’s the show with the spoiled brats who want everything handed to them on daddy’s bill. I always think to myself that the spoiled little brat should make her own money and pay for her own things if she’s so unhappy. So I’d like to say to Mary, if you’re so unhappy, fire your health insurance* company and pay for your own “Health Care*”. And you can walk into any Doctors office or hospital and you’ll be accepted because after all, you’re a paying customer. Go ahead nobody’s stopping you. You can do it.

Oh, but wait. Health Care* is expensive you say. Why do think that is? Who’s the one making it expensive? Now that you fired your health insurance* company and pay you own Health Care* bills you’d think the cost would have come down and 18,000 people would still be alive. But it’s not happening is it. Well sounds to me like the parasite is still there. It must be the Health Care* Providers who are the parasites (again, see definition of Health Care* above).

Here’s the deal everybody: Health Insurance* pays for our Health Care*. Health Care* costs are going up. So to keep up with the rising cost of Health Care*, Health Insurance* premiums will go up. To combat this and stop the out of pocket expenses for the consumer of Health Care*, we need the HEALTH CARE* PROVIDERS TO STOP CHARGING SO MUCH FOR HEALTH CARE*!

But just like the spoiled brat on the My Super Sweet MTV show who is afraid to make daddy too angry when he bought the wrong color Lexus, we too as Health Care* consumers are afraid to tell the doctor who is about to cut into us that we feel like we’re getting ripped off. Because if we do…well I don’t want to know what might happen if I did that.

I hope that helps future Universal Health Care* article writers clarify in their writings the difference between Health Care* and Health Insurance*. And a little bit about who the parasites really are.