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BBHQ Boomer Essays:

Health Care: What is Insurance?

Our Boomer-In-Charge at BBHQ, Hershel Chicowitz, writes about boomer memories and current events... from a boomer's perspective. He is sometimes funny, sometimes provocative, some-
times a little of each. We hope you get a kick out of our Boomer Essays.

You certainly need major medical insurance, for the obvious reasons mentioned above. But what on earth makes you think that your HMO can provide prescription drugs, x-rays, and Band-Aids more conveniently, more appropriately, more effectively, and less expensively than if you paid for them as your grandparents did?


NON-MEMBER PREVIEW

   

November, 2009:

Which doesn't belong and why?

      A. Homeowner's Insurance
      B. Term Life Insurance
      C. Automobile Insurance
      D. Health Care Insurance

Your kids probably do not have the slightest idea. Perhaps you do. Allow me to explain briefly how insurance works. Following my explanation, the one that sticks out like a sore thumb will be obvious. Of course that will not be the end of the lesson. It will be only the beginning.

What is Insurance?

This is simple. But please pay close attention. Insurance is a scheme to compensate you financially in the event of an unlikely, catastrophic event. The key words there are "unlikely, "catastrophic," and "financially." Homeowner's insurance does not protect your home from being destroyed by a hurricane. Term life insurance does not protect you from dying. But it reimburses you (or your heirs) financially in the event of an unlikely, catastrophic event.

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Hershel's kinda-like-a bio:
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 Old Friends Live on Stage (Deluxe Edition) (2 CD/1 DVD)
"Old Friends Live on Stage (Deluxe Edition) (2 CD/1 DVD)," 55 songs: 2 CDs and a DVD from their last concert tour.
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The Boomer Essays - On Being a Boomer:

The BBHQ Freedom Series

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essays available to everyone

  Declaration of Independence
        What is Says; What it Means

The Boomer Health Care Series
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The Midlife

Crisis Series

Middle Age &

the Mazdamobile

The Teach, Preach and Nag Series
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Hell No; We Won't Go!

    What Will We Do?

    Do Not Go Gentle

The Boomer Money Series
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The BBHQ Vacation Series
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The BBHQ Feature Album is "Old Friends Live on Stage (Deluxe Edition) (2 CD/1 DVD)," by Simon & Garfunkel. If you were fortunate enough to see them in concert in 2003, I do not have to sell you. The concert was terrific! This album collection includes 55 songs, plus their new recording, "Citizen of the Planet," and one of the songs sung by the Everly Brothers during the concert. The DVD was recorded during their concert in Madison Square Garden in 2003. For any S&G fan, this is a must have! But then, you knew that already, didn't you?  Old Friends Live on Stage (Deluxe Edition) (2 CD/1 DVD)

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