On Life With Helen

Insurance

On Life With Helen is a podcast, hosted by Helen Ornellas.

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Latest Episodes

Lauren Bayha: Two Years Later - Making More Than My Corporate Job!

Are you second-guessing yourself about starting your own business?

In today's episode, I am pleased to welcome Lauren Bayha back to the show. Almost two years after taking that leap of faith and starting her own insurance company, BenefitsBay Insurance Solutions, and taking over the Sacramento Association of Health Underwriters, Lauren joins us again to share her thoughts on the intricacies of entrepreneurship in the insurance industry.

Listen to episode 49 of On Life With Helen and learn more about Lauren's fascinating journey from apprehension to triumph in entrepreneurship. You'll get valuable insights, practical strategies, and inspiration to help navigate the challenges of becoming a solopreneur. Lauren also talks about the freedom she gained from running her own business and how she used it to create time for her hobbies and spend more quality time with family.

In This Episode, You Will Learn:

About Lauren's fears before starting BenefitsBay Insurance Solutions (2:30)
Networking for business growth (4:40)
Strategies for overcoming challenges and reconditioning our mindset (9:10)
The importance of balancing priorities when launching a business (12:30)
Lauren shares advice for aspiring entrepreneurs (19:20)

Connect with Lauren Bayha:

Let's Connect!

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Navigating VA and Medicare Advantage Plans for Veterans: Insights from Addison Beverly

Are you a veteran and feel unsure of how to navigate VA and Medicare Advantage plans effectively? What are the key considerations to have on top of mind when choosing between traditional VA benefits and Medicare plans?

Today, we are fortunate to have a true expert on this topic: Addison Beverly. He helps us understand the intersection of traditional VA benefits and Medicare Advantage plans for veterans and provides insights on how veterans can optimize their healthcare coverage. Addison is a Business Development Manager at Aetna Medicare Solutions, a CVS Health Company.

Listen to episode 48 of On Life With Helen to understand how veterans can optimize their healthcare coverage by leveraging VA benefits and Medicare Advantage plans. You'll learn about eligibility requirements for VA benefits, the challenges veterans face in accessing healthcare, the similarities and differences between VA and Medicare, the implications of falling behind in payments for VA, and more.

In This Episode, You Will Learn:

Addison explains eligibility requirements for VA benefits and compares them with MA entitlements (2:10)
The differences between VA benefits and MA eligibility (4:30)
How veterans are rated based on their disability (6:00)
The implications of outsourcing healthcare service for veterans (9:20)
Addison explains how MA plans tailored for veterans provide additional benefits (13:20)
Do veterans need a drug plan? (17:20)
Addison explains the implications of falling behind in payments for VA (22:40)

Connect with Addison Beverly:

LinkedIn
Phone: 916-217-1778
Email: beverlya@aetna.com

Let's Connect!

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Medi-Cal Application and the New Regulations Effective from January 1st, 2024, with Michael McCabe

Medi-Cal completely revamped its process as of January 1st, 2024! This means all the laws, regulations, codes, and everything else have changed.

Do you know how these changes affect your chances of getting accepted into Medi-Cal?

In today's episode, Michael McCabe joins us to explain every change Medi-Cal has created for this year, the bureaucracy behind its new applications and regulations, and how he can help you get approved for Medi-Cal. Michael has over 20 years of experience and a 100% success ratio in getting people accepted into Medi-Cal.

Listen to episode 47 of On Life With Helen to learn from the specialist what changed, how he can help you with the new paperwork, why a lot of applications are being rejected, what's wrong with the new system, and what's the best way to deal with it, and much more.

In This Episode, You Will Learn:

Why Medi-Cal is just like taxes (3:10)
What happens to most Medi-Cal applicants (6:00)
How Michael can help with Medi-Cal's mindnumbing paperwork (7:20)
Why many applications to Medi-Cal are rejected (11:00)

Connect with Michael McCabe:

Phone: 916-612-8800

Let's Connect!

Hosted on Acast. See acast.com/privacy for more information.

Long-Term Care & Alternative Solutions

How do you know you picked the long-term care that better adjusts to your reality?

In this episode, we discuss long-term care, insurance, alternative solutions, different ways to cover possible long-term care events, and how to educate the next generations on long-term care and their needs. From 100% self-insurance to accelerated benefit riders, standalone long-term care policies, and having children help pay, we explore every option under the sun, analyze their pros and cons, and help you figure out which one is the one that best suits your reality. Additionally, we explore one of our newest products, a Home Health Care Hours Purchase Plan, which allows you to buy buckets of hours so you can stay at home when you need care, with no age limits, the same rate for all ages, no claim forms, and no deductibles, among many other benefits you should consider exploring.

Tune in to episode 46 of On Life With Helen and make an informed decision when choosing your long-term care plan.

In This Episode, You Will Learn:

Why doing a bit of planning for long-term is always a good idea (2:40)
Is 100% self-insurance a one-size-fits-all solution? (3:10)
How long-term care riders plans can make your dollars multitask (5:00)
How can we educate future generations on long-term care (8:20)
What is a Home Health Care Hours Purchase Plan (10:50)
Helen shares valuable lessons she got from her three-month recovery journey (15:50)

Let's Connect!

Hosted on Acast. See acast.com/privacy for more information.

Medicare Post Enrollment Top Ten Tips. Reasons To Work with a Broker

Are you having trouble navigating the complexities of Medicare enrollment for your healthcare needs in 2024?

In today's episode, I discuss the intricacies of Medicare enrollment and why using a broker for your Medicare needs is crucial. You'll hear why individuals and business owners benefit from partnering with brokers, how they can assist you in evaluating costs and understanding IRMAA implications, and why seeking professional guidance in the post-open enrollment period is crucial. I also share my top ten tips to help you avoid mistakes on essential elements of Medicare enrollment, like payment methods, plan restrictions, prescription coverage, creating solid bonds with brokers, and more.

Tune in to episode 45 of On Life With Helen to discover how to navigate the ever-changing landscape of Medicare enrollment effectively.

In This Episode, You Will Learn:

Why is working with a broker always the best choice? (2:30)
Credit cards expire. Make sure you don't lose your coverage (4:10)
Mind what you say on the phone (7:00)
After making a decision, inform your broker (7:50)
The importance of using preferred pharmacies in drug plans (8:30)
Weight loss drugs and Medicare (12:10)
Bonus tip. Medicare and traveling outside of the US (13:40)

Let's Connect!

Hosted on Acast. See acast.com/privacy for more information.

Is Using Ethos To Get Life Insurance A Good Idea?

Does getting life insurance feels like a chore you've been dreading for longer than you can remember?

In this episode, I'm talking about the countless benefits of using Ethos to get insurance, the three signs that you need life insurance today, and the differences between term and permanent life insurance. I also answer some of the most common questions about life insurance, clear doubts about how affordable life insurance really is, and more.

Listen to episode 44 of On Life With Helen to learn more about this fantastic online tool, the myths about term and perm life insurance, and so much more.

In This Episode, You Will Learn:

Does going through a policy feels like a chore? (2:08)
Three signs you need life insurance today (3:04)
What makes Ethos so good at helping you get insurance (3:47)
Is life insurance affordable? (4:34)
When is term insurance the better option (7:08)
Why you should look at your policy periodically (13:11)

Let's Connect!

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Trevor Patching - What Keeps You Up At Night and More!

Although C-suite executives and key personnel are essential for any organization, they aren't the only ones you should take care of. Incentivizing young people with bonuses to get a down payment on a house or decide if they can afford to have kids might save your company tons of money.

In this episode, I'm joined by our monthly guest, Trevor Patching, to discuss the importance of covering and incentivizing those in foundational positions in their company. Trevor debunks some myths about companies' pressure points and the need for elaborating solutions that care for everyone, not only the highly compensated executives. We also learn how life insurance and business insurance can be used to incentivize young people and create completely aligned work environments, how to create an appealing bonus plan, and so much more.

Listen to episode 43 of On Life With Helen to learn why taking good care of your employees at every level is instrumental.

In This Episode, You Will Learn:

About companies' actual pressure points (2:47)
The issue of having solutions only for highly compensated employees (5:48)
How to create incentives appealing for 20, 30, and early 40-year-old employees (7:51)
Immediate and long-term gratification plans (13:18)
Can promoting someone that deserves it be a bad thing? (16:48)
Don't offer anything unless it is going to do the job (21:18)

Connect with Trevor:

Let's Connect!

Hosted on Acast. See acast.com/privacy for more information.

Disability Insurance And Income Protection with Dennis Carlson

Sometimes, getting past the optimism bias we all have, is just the right way to approach our insurance choices.

In today's episode, I'm joined by Dennis Carlson, Host of the #1-rated podcast for employee benefits brokers and advisors, Benefits Influencer, a specialist in long and short-term disability insurance, income protection for executives, and highly compensated employees. He shares the three main reasons why we should pay more attention to income protection, the best ways to overcome the optimism bias, group insurance, and more.

Listen to episode 42 of On Life With Helen to learn everything you need to know about income protection. Dennis explains the multiple advantages of group long-term disability policies for the employer, why people resist considering disability insurance, and much more.

In This Episode, You Will Learn:

A bit about Dennis and how he got into income protection (1:43)
Why is no one talking to their clients about income protection (7:09)
Three things everyone should know about income protection (8:38)
Why are most people unsure about disability insurance? (16:04)
The Job A / Job B exercise (17:21)
Where does Dennis see protection for business owners heading (24:47)

Connect with Dennis:

Website
LinkedIn
Email: dennis@carlsonwest.com

Let’s Connect!

Hosted on Acast. See acast.com/privacy for more information.

How To Maximize Reverse Mortgage Benefits with Mitchell Cooper

What are the main differences between traditional lines of credit and an FHA reverse mortgage?

In this episode, we delve into the second part of our conversation about what is true and what is a myth about the reverse mortgages line of credit. Mitchell explains why he considers a reverse mortgage a great tool, especially for those in their 60s and above who struggle to access traditional lines of credit.

Listen to episode 41 of On Life With Helen to learn more about the advantageous side of reverse mortgages no one talks about.

In This Episode, You Will Learn:

The main difference between reverse mortgages and traditional lines of credit (1:56)
In reverse mortgages, the line of credit grows (4:55)
How can we make a growing line of credit work for us (6:47)

Connect with Mitchell Cooper

Let's Connect!

Hosted on Acast. See acast.com/privacy for more information.

Bio of On Life With Helen

On Life With Helen is a podcast, hosted by Helen Ornellas. The podcast aims to provide wisdom on how Life Insurance can provide security and abundance in all stages of life.

Listeners can expect to gain valuable insights and practical advice that can be applied to their own businesses.

This podcast covers a wide range of topics, such as industry trends, market developments, innovative approaches to selling life insurance products, and more.

This podcast invites guests, who discuss the insurance business and uniquely understand the different needs required as you age in life.
Through engaging conversations and insightful discussions, Podcast provides practical resources and actionable strategies that leaders can implement in their businesses.

Contact Podcasts