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Johnny and Ben carried sibling rivalry to new extremes, making children’s health insurance coverage for each brother anything but optional.

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In the Flotsam family, the kids were always “going at it,” as their exhausted mom Doreen would tell it. “Stop it! Stop fighting!” she’d scream quite often, while referring to ten-year-old Johnny and eight-year-old Ben. During any given moment, an observer might notice Flossy, the family’s beloved Angora, gazing at the kids with a pet cat’s disinterest while Johnny gripped Ben in a fierce headlock, or Ben wrestled Johnny to the ground and punched him in the face, or either boy’s matchbox cars became metallic projectiles thrown with surprising force and speed, and exclamations of pain, “Owwh!” followed by a cry for Doreen to referee, “Mommy! He hit me!” These ceaseless exhibitions of sibling animosity continued as long as each child was conscious, and although Doreen would enviously watch shows featuring Super Nannies coming to the rescue, at her otherwise pleasant home, not even a ceasefire was in sight. So when her husband Denis returned home to their Rancho Bernardo sanctuary after too many sessions listening to a litany of kid woes (Denis worked as a child psychologist), Doreen needed to vent. “Do something!” she screamed at her possibly passive-aggressive hubby, “What if Johnny or Ben really hurt each other?” Denis knew that their family was “covered” in case of routine medical emergencies, but as he passively pondered the situation, a matchbox car came whizzing past his head; it looked like a miniature Chevy Vega. “Who threw that?” he bellowed. “I didn’t!” yelled Johnny and Ben in a rare show of synchronicity. Seconds later, Denis was on the phone to his friend Matt Lockard, a California health insurance agent, better than any TV nanny. “We need the kid’s plans you told me about!” he screamed into the receiver.

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Matt, cool as a cucumber, said, “Let’s make an appointment then.” Three days later, Johnny and Ben still fought like little Banshees, but at least they were covered. Good thing too, because that afternoon, Ben threw Flossy across the living room at an unsuspecting Johnny.

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Fred, living in Santa Monica, was unknowingly paying for maternity coverage. Being single and a guy mattered not due to a clerical error.

Fred, a confirmed bachelor and still single, upon receiving his monthly statement, was shocked to discover that his health insurance premium had nearly doubled one month. Upon further investigation when he called his agent to complain, he learned that for more than two years he’d been paying an extra $104.00 per month, and that this resulted from maternity coverage.

“That should be easy to fix,” he confidently told his agent, “I’m single and a 59-year-old male. When do I start getting the lowered rate, and maybe money returned to me retroactively?”

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“Not so fast,” Fred’s inadequate agent blithely replied, “You failed to correct it.”

“I failed to correct it?”

“That’s right. It’s your responsibility.”

“How is it my responsibility?”

“I can explain it to you.”

“Please do,” whimpered Fred, now shaken to the core of his being after realizing that for two years he’d been categorized by his trusted insurance carrier as having the potential to become a pregnant woman and never so much as eaten a pickle. Recovering a bit of his dignity, he started to become indignant, something that the agent could instinctively sense.

The agent now realized in the nick of time that explaining how the mistake had come to be was not only prudent but the right thing to do.

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“Here’s what happened,” he began blithely spouting, “When you first joined up with this health insurance plan, we sent you a booklet describing coverage in every particular. The maternity coverage clause was mentioned in that. You should have chosen a plan that excluded maternity coverage to begin with. The plan you picked had maternity coverage in case you became pregnant. ”

“But I’m a guy.”

The agent softened a bit hearing that. “You had ten days to examine the coverage. We never heard from you about maternity coverage.”

Fred won’t get his money back but it’s not too late to find a competent California Health Insurance Agent.

Get to know your health insurance agent. Don’t let this happen to you. There are plenty of reliable health insurance agents like Matt Lockard of MattsInsurance4CA.com who have the experience and knowledge to help you find a health plan that will cover what you need and only what you need.

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Alfred was under the mistaken impression that Medicare was all he was entitled to, gaps and all. His California Health Insurance Agent Matt set him straight.

 Alfred H., age 104, lives in Escondido. He’s been blessed with relatively good health, although he fractured his hip while in an infantry unit, an imaginary one, when he fell out of his uncle’s pear tree, in 1918 when he was only 14.

 Alfred’s wife died in 1980, and occasionally his son Zeke, 73, stops by to visit. Zeke has had a succession of health issues, and retains Matt’s California Health Insurance Services, with Matt Lockard as his agent. Zeke has a Medicare Supplement Plan for 65+ seniors that serve his needs well. But Alfred has no agent and Original Medicare only witch is full of gaps. Suddenly, just in the past few months, his hip has been giving him trouble.

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 “I never saw you break your hip,” Zeke told his Dad, “did you take a fall recently?”

 “Nope,” Alfred said, “It happened before you were born.”

 “That sure isn’t recently,” Zeke agreed. “Are you going to have it fixed?”

 “Can’t,” Alfred said, “My Medicare will only pay for part of it. I went to see the doctor, he said I’d need surgery and the break is still there. In 90 years, it’s never completely healed.” 

 “It might get worse,” Zeke agreed, “you could end up like one of those old men and have to use a walker.”

 “I’m over 100 now, it’s too late. Medicare by itself is the best option for me.”

 “Why don’t you see my California health insurance agent, Matt Lockard?”

 Alfred drove over in his beloved Studebaker that still ran clean as a whistle. He spoke to Matt. Matt helped him understand how Medicare Supplement plans work.”

 The surgery was successful. For the first time in 50 years, Alfred called Lissie up on the phone. He’d known her from way back. “Do you want to go dancing?” he asked her.

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