Mission
I’m Victor Crain. I am an independent agent representing Aflac, VSP Vision, Delta Dental and Mutual of Omaha insurance. The purpose of these policies is to help consumers minimize costs associated with using medical services and to meet living expenses while ill or injured without draining savings or investments. ...
Read moreWhere I Want to Be
My goal is to be able to help anyone who comes to me with a problem regarding health insurance. The US has an insanely inefficient health insurance system designed to make a few people rich and frustrate the many. To have good coverage requires quilting together policies from various...
Read moreYou are what you’re feeling, so feel happy!!! – The Effects of Negative Emotions on our Health — Be Like Water
Humans experience an array of emotions, anything from happiness, to sadness to extreme joy and depression. Each one of these emotions creates a different feeling within the body. After all, our body releases different chemicals when we experience various things that make us happy and each chemical works to...
Read moreInsurance for the disabled
This is a subject I’m working on now. Insurers have no problem writing life and disability policies for healthy people. However, getting insurance for someone who starts as disabled (e.g., autism, brain injury) is a challenge. Certain states make that even more difficult. For example (thank you Governor Christie),...
Read moreWhen Identity Theft Gets Personal
A new article in Network World talks about the transition of data theft from attacks on banks and retailers to attaches on individuals. In the past, someone would hijack a credit card number and make some purchases using that number. You would have to replace your card, but once...
Read moreAge and Perception
“I just can’t proof my own work. My mind fills in what’s suppose to be there instead of seeing what is actually on the page.” Have you ever heard anyone say that? My guess is you probably have. Heck, I’ve said that. It turns out, there’s a physiological reason...
Read moreInsurance: Please don’t buy this!
Just because someone offers a product, that’s no reason to buy it. Some just don’t make sense, except perhaps in an alternative universe. The newest entrant in this category is something called “Active Shooter” insurance. These policies first appeared on the market in 2015 and are designed for business...
Read moreHealth Insurance: the Uniquely American Jungle
To paraphrase a quote from a friend, it doesn’t matter who helps you with insurance until it does. There’s no single policy or company that provides “complete” health insurance in the US. Truly complete coverage involves stitching together policies from multiple sources while keeping costs manageable. It’s the insurance...
Read moreChoosing Doctors
This is an excellent article, which appeared in Medscape Week in Review on 24 May 2016. It’s reprinted here in its entirety. If even doctors are challenged in selecting a doc, how should the consumer feel? —- Choosing Between Two Doctors: One Physician’s Experience Andrew N. Wilner, MD |May 19, 2016...
Read moreDrug Price Reform — When, Not If
Brand name drugs are expensive. They’re more expensive in the US than elsewhere, but they’re still expensive, regardless. Prices are based on a number of factors, including what manufacturers think they can get insurance companies and governments to accept. List prices are paid by consumers without health insurance. Insurers...
Read moreC-Section Cons and Pros
The C-Section rate is an important criteria in selecting an obstetrician. Neither the decision to do the procedure nor the choice of doctor are trivial, but they are related. The C-Section is the most common surgery performed in the US. The primary factor determining whether this procedure is performed...
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