Dear {First_Name},

Changes Coming with the Health Reform Package

Here is a list of near term changes to individual and group health plans as part of the health reform package:

  • Access to Pediatricians
  • Appeals Processes
  • Emergency Services
  • Extension of Dependent Coverage to Age 26
  • Access to OB/GYN Physicians
  • No Pre-Existing Condition Waiting Periods
  • Prohibition of Non-Discrimination by Employer
  • Lifetime Limits
  • Coverage of Preventive Care
  • Annual Maximums
  • Internet Portal
  • Future Deadlines

Click here to read more specific about the changes with the Health Reform Package

Insuring an Old Car or Classic?

Older cars can be tricky to insure. If it is a classic car, there are very specialized markets to handle that type of risk. Hagerty is the nation's largest insurance agency for collector cars and boats. If you need a quote, call us for very competitive rates.

However, what if the car is old but not a classic? You might have a very low mileage 1991 Mustang but the book value is only $1,000. The problem arises when you put in a lot of money for an expensive sound system, fancy chrome wheels, new paint and rebuild the engine. You just invested $8,000 in a car worth $1,000. If you don't insure it correctly and have a total loss, your insurer is going to send you a check for $1,000.

A better way to insure that car would be to use an "agreed upon value", provide photos of the improvements, and document all costs with receipts. Although you will pay more premium, your coverage will better reflect the true value of that vehicle.

Call us at 1-888-423-3232 to find out more specific information about insuring your old or classic car.


Medicare Advantage is Reducing Preventable Hospital Readmissions for Seniors

A new analysis of federal and state government data provides further evidence that seniors in Medicare Advantage have lower risk-adjusted hospital readmission rates than patients in Medicare’s traditional fee-for-service (FFS) program, according to a report released today by America’s Health Insurance Plans (AHIP). The study analyzed data from nine states and found reductions in risk-adjusted hospital readmission rates averaging 14-29 percent among seniors in Medicare Advantage compared with Medicare FFS enrollees.

Preventing avoidable hospital admissions and readmissions protects patients from the risks associated with inpatient settings, such as infection, and is an indication that patients are getting the care and services they need on an outpatient basis to stay healthy and avoid complications that can lead to hospital readmissions.

Click here to read the full article concerning Medicare Advantage reducing preventable hospital readmissions for seniors


Agent Spotlight

In this issue,  we would like to spotlight one of our top brokers, Connie David. Connie has over 15 years experience in the insurance industry, working primarily in the employee benefits area with small business accounts. Last year, Connie studied and passed the exam to get her Property and Casualty license. She now handles all aspects of her business clients needs, including workers comp, general liability, commercial auto, and business property. Connie's dedication to service has earned her many referrals from existing clients, and is the main reason she maintains such a high retention of her accounts. In addition to her work with insurance, Connie spends time traveling with her husband and well known photographer, Mike David.


We Are Moving!

After 15 years in Arvada, GIA will be moving, sometime this summer, into our own building at 9195 W. 44th Avenue in Wheat Ridge. It is on the corner of 44th and Garrison streets, just five minutes from our current location. Our phone numbers and P.O. Box will remain the same, and we expect that this will be our permanent home.

The 10,000 square foot facility will allow us to expand to accommodate our recent growth in Medicare plans, personal lines property and casualty including auto and home insurance, as well as commercial lines property and casualty including workers compensation, general liability, business property and commercial auto.

Keep an eye out for more details once the move is completed.

Wrap Up

On a final note, we once again want to thank you for your continued business, especially in these challenging economic times. It is our distinct honor and pleasure to service your insurance needs. We also appreciate your many referrals.


Paul LoNigro

Colorado Agency License #45298 - Securities offered through Foresters Equity Services, Inc.,
Member FINRA and SIPC