On Life With Helen Helen Ornellas

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:
BenefitsBay Insurance SolutionsLinkedIn
Let's Connect!
EmailLinkedInWebsite - Ornellas InsuranceFacebook Page - Ornellas & Associates Insurance ServicesFacebook Profile Helen Ornellas Lanham
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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:
LinkedInPhone: 916-217-1778Email: beverlya@aetna.com
Let's Connect!
EmailLinkedInWebsite - Ornellas InsuranceFacebook Page - Ornellas & Associates Insurance ServicesFacebook Profile Helen Ornellas Lanham
Hosted on Acast. See acast.com/privacy for more information.

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!
EmailLinkedInWebsite - Ornellas InsuranceFacebook Page - Ornellas & Associates Insurance ServicesFacebook Profile Helen Ornellas Lanham
Hosted on Acast. See acast.com/privacy for more information.

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!
EmailLinkedInWebsite - Ornellas InsuranceFacebook Page - Ornellas & Associates Insurance ServicesFacebook Profile Helen Ornellas Lanham
Hosted on Acast. See acast.com/privacy for more information.

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!
EmailLinkedInWebsite - Ornellas InsuranceFacebook Page - Ornellas & Associates Insurance ServicesFacebook Profile Helen Ornellas Lanham
Hosted on Acast. See acast.com/privacy for more information.

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!
EmailLinkedInWebsite - Ornellas InsuranceFacebook Page - Ornellas & associates insurance servicesFacebook Profile Helen Ornellas Lanham
Hosted on Acast. See acast.com/privacy for more information.