On Life With Helen

If you're struggling to close deals or feel your sales pitches are hitting nothing but air, this episode is a must-listen!Today, I'm talking with the Sales Performance Expert Patrick Ryan. Patrick is the CEO and President of Eureka Performance Training, an author, keynote speaker, and expert in sales conversations. With over 40 years of sales experience, he discovered early in his career (selling cable television door to door on 100% commission) that effective communication was the key to success.Listen to episode 66 of On Life With Helen to learn Patrick's method to produce lasting success in sales. He breaks down the psychology of trust-building, patterns to identify, anticipate, and react to buyers' behaviors, and how salespeople can increase their conversion rates. You'll also hear about the barrier between prospects and the salesperson, the importance of compiling and analyzing data, the Predictive Sales Index, and much more.In This Episode, You Will Learn:Patrick reveals an approach to sales that can transform how you see your selling process (3:10)Why your subconscious mind could be sabotaging your sales (4:40)Being understood is more important than being loved (11:00)Patrick explains the psychology of trust-building (13:50)Why paying attention to your data is crucial to increase sales (17:00)Patrick talks about his Predictive Sales Index (26:20)Connect with Patrick Ryan:LinkedInEmail: patrick@eurekaperformance.comEureka Performance Training319 Elm Street, Roseville, CA 95678Phone: 916-956-8928Eureka Performance Training LinkedInEureka Performance Training InstagramEureka Performance Training FacebookLet's Connect!EmailLinkedInWebsite - Ornellas InsuranceFacebook Page - Ornellas & Associates Insurance ServicesFacebook Profile Helen Ornellas Lanham Hosted on Acast. See acast.com/privacy for more information.

Do you have everything in place in your business if — God forbid — you don't make it home tonight?In today's episode, we are joined by one of Helen's mentors and a true giant in the insurance space, Craig Gussin. Craig is a seasoned health insurance agent based in San Diego and the co-founder of Retire with Renewals, a company created to help retiring agents plan their business transition and ensure their clients continue receiving care. He also helps media and consumers understand insurance through Auerbach & Gussin, where he serves as President and CEO.Listen to episode 66 of On Life With Helen to learn how Craig helps agents to be ready for the unexpected, why every agent should be incorporated, and why he believes succession planning is way more than a handshake — it's a lifeline. You'll also hear about the real-world impact of staying connected through trusted associations, why Helen and Craig feel community service isn't just a value — it's the heartbeat of what they do, and much more.In This Episode, You Will Learn:Craig shares the story of how Retire with Renewals was born (6:30)Why most agents and business owners delay succession planning — and why they shouldn't! (13:20)You might find your successor in the most unexpected places (18:00)Why our industry must attract and mentor young agents (21:40)Working with agents that are "plugged" matters more than ever (25:50)Connect with Craig Gussin:LinkedInRetire with RenewalsRetire with Renewals LinkedInEmail: craig@rwragency.comPhone: (858) 658-0405Auerbach & Gussin. Insurance and Financial Services 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.

Most people don't expect to ever use, enjoy, or even see the money from their life insurance policy. As today's guest brilliantly pointed out, life insurances feel more like death insurance because their benefits are available only after the policyholder passes.Today, you'll learn there's a way for policyholders to access their money while they're still alive.In this episode, Rob Haynie explains how to sell your life insurance policies for cash through Life Insurance Settlements. With over 30 years in the life settlement industry, Rob is the Managing Director at Life Insurance Settlements, a recipient of LISA’s AHB Leadership Award, a podcaster, and a NAILBA ID20 Award honoree.Listen to episode 65 of On Life With Helen and learn how to turn life insurance policies into cash that could solve many issues, turn lifelong dreams into a reality, and even avoid family disputes over inheritance. You'll also hear success stories from permanent and term policy settlements, why life insurance settlements are gaining awareness, whether or not you'll pay taxes after selling them, and much more.In This Episode, You Will Learn:What is a life insurance settlement? (2:10)Who is eligible to sell their life insurance policy? (8:00)Am I going to pay taxes on my life insurance settlement? (11:20)Why not use your settlement for healthcare and take care of your aging? (12:30)Your life insurance is a dormant asset (16:50)How settlements can avoid family disputes (20:00)Success stories of permanent and term policy settlements (23:10)Connect with Rob Haynie:LinkedInLife Insurance SettlementsSubscribe to the Life Insurance Settlements YouTube channelFollow Life Insurance Settlements on LinkedInFollow Life Insurance Settlements on XFollow Life Insurance Settlements on FacebookLet's Connect!EmailLinkedInWebsite - Ornellas InsuranceFacebook Page - Ornellas & Associates Insurance ServicesFacebook Profile Helen Ornellas Lanham Hosted on Acast. See acast.com/privacy for more information.

What if we start looking at a reverse mortgage as THE financial tool to get your "longevity insurance" without even thinking of depleting your assets?In part two of our insightful conversation with Mitchell Cooper, we dive deeper into the financial mechanics and unknown benefits of using reverse mortgages as a retirement plan. Mitchell also contextualizes reverse mortgages' evolution and origins, which explain some of the most common misconceptions about them most retirees have, and highlights how reverse mortgages can provide financial flexibility without immediate repayment obligations.Listen to episode 64 of On Life With Helen and learn how to set up a reverse mortgage that'll allow you to defer withdrawals and maximize available funds in later years. You'll also hear how to grow a financial cushion without affecting liquid assets, turning your reverse mortgage into your "longevity insurance," the role behavioral aspects play in the effective use of reverse mortgages, how financial planners can help clients navigate the complexities of reverse mortgages, and much more.In This Episode, You Will Learn:Mitchel shares a bit of historical context of reverse mortgages (2:30)The true power of housing wealth (7:20)How behavioral aspects affect a reverse mortgage's effectiveness (15:00)What's the best time to start thinking about a reverse mortgage? (18:10)Mitchell explains the most common misconceptions about reverse mortgages (22:00)Connect with Mitchell CooperLinkedInEmail: mcooper@mutualmortgage.comPhone: 1-916-768-9150Unlock Hidden Retirement Cash: Is Your House the Key? by Mitchell CooperMutual of Omaha MortgageLet's Connect!EmailLinkedInWebsite - Ornellas InsuranceFacebook Page - Ornellas & Associates Insurance ServicesFacebook Profile Helen Ornellas Lanham Hosted on Acast. See acast.com/privacy for more information.

Most people think of reverse mortgages as a last-resource option, but what if your biggest asset could provide financial freedom without selling or downsizing?In this episode, the first of a two-part series interview with Mitchell Cooper, we discuss reverse mortgages' potential to transform your retirement planning and unlock financial security. Mitchell is one of the 200 Certified Reverse Mortgage Professionals in the country, with almost a decade of experience helping retirees and educating homeowners on the hidden potential of their home equity.Listen to episode 63 of On Life With Helen and learn everything you need to know about the often misinterpreted world of home equity in retirement planning. You'll also hear why most financial models ignore the massive role of housing in retirees' portfolios' wealth, the psychological barriers homeowners face when looking at their homes as assets, why waiting until late retirement to tap into home equity is a mistake, and much more.In This Episode, You Will Learn:Mitchell explains the problem of "getting into that conversation" too late (3:10)All about housing wealth and retirement planning (6:00)Mitchell talks about the emotional barriers when thinking of homes as an asset (9:10)Why do some people see reverse mortgages as some sort of failure (13:30)Reverse mortgages and family dynamics (17:30)Connect with Mitchell CooperLinkedInLet's Connect!EmailLinkedInWebsite - Ornellas InsuranceFacebook Page - Ornellas & Associates Insurance ServicesFacebook Profile Helen Ornellas Lanham Hosted on Acast. See acast.com/privacy for more information.

For some business owners, thinking about their company's marketing feels a lot like stepping into a cluttered storage unit — they have no idea where to start, what to move first, or what will actually work.In today's episode, Ann Bouchard unravels the secrets and benefits of crafting simple, honest, and solid marketing strategies. Ann is the Founder and President of Bouchard Communications Group, a full-service marketing agency with over three decades of experience crafting customized and integrated marketing solutions.Listen to episode 62 of On Life With Helen and learn more about the evolving world of marketing, what outsourcing your business' marketing should look like, and how to define your brand's unique value. Ann also shares real-world examples of how strategic marketing can take your business to the next level, talks about the intersection between PR and marketing, AI, how non-profits can increase their influence through customized marketing campaigns, and much more.In This Episode, You Will Learn:Is your marketing agency working for you, or the other way around? (6:10)What makes your business stand out? Apart from excellent customer service? (9:20)Ann shares real-world examples of successful marketing campaigns (16:00)Can non-profits can increase their impact through marketing? (18:50)Can marketing agencies help if you or your business gets canceled? (21:20)AI is your intern, not your partner (24:40)Connect with Ann Bouchard:LinkedInInstagramVisit the Bouchard Communications Group's websiteLet's Connect!EmailLinkedInWebsite - Ornellas InsuranceFacebook Page - Ornellas & Associates Insurance ServicesFacebook Profile Helen Ornellas Lanham Hosted on Acast. See acast.com/privacy for more information.

Do insurance costs leave you stressed and uncertain about your business's future? Do you have a strategy to manage employee benefits while ensuring a healthier workforce? Did you know there is a way to turn insurance expenses into a financial asset?If any of these questions keep you up at night, you can't miss today's episode! We have the opportunity to chat with Roland Guillen, a seasoned insurance professional with over 15 years in the industry, who is currently the Director of Captive Growth Strategy at Bender Insurance Solutions.Listen to episode 61 of On Life With Helen and discover new strategies to optimize coverage and reduce costs, from adapting to a changing market to exploring alternative risk solutions like captive insurance, and actionable insights for cost management and transparency. Roland also shares his thoughts on the role of AI in enhancing workplace safety, the importance for business owners to keep a student mentality, and much more.In This Episode, You Will Learn:Roland talks about current challenges in the insurance industry (5:40)How to turn insurance expense into an asset (12:00)What do you need to know as a business owner about what to expect in 2025 and 2026? (17:30)Roland talks about the impact of AI in the insurance industry (20:10)Connect with Roland:LinkedInBender Insurance Solutions websiteBender Insurance Solutions LinkedInBender Insurance Solutions InstagramBender Insurance Solutions FacebookCaptive Insurance Times article on Roland GuillenLet's Connect!EmailLinkedInWebsite - Ornellas InsuranceFacebook Page - Ornellas & Associates Insurance ServicesFacebook Profile Helen Ornellas Lanham Hosted on Acast. See acast.com/privacy for more information.

Can the CHIPS Act tackle the nationwide workforce shortage? Is $53 billion enough to jumpstart a "U.S. semiconductor renaissance"? Can America reshape the global semiconductor landscape? Can we end our reliance on overseas chip production?These are some of the questions Dan Marrujo answers in this special take-two on the CHIPS Act Initiative. Whether you are a tech enthusiast, a job seeker, or a business owner, today's episode is your ticket to a deeper understanding of the massive shifts happening in the semiconductor industry.Dan Marrujo is the President and Manager Director of Trusted Strategic Solutions, a Silicon Valley-based consulting firm. He is also the co-founder of the Trusted American Insurance Agency and the creator of The Marrujo Foundation, which supports research in astronomy and astrophysics.Listen to episode 60 of On Life With Helen and dive deep into this transformative moment for the U.S. economy and technology landscape. Discover how the CHIPS Act is set to reshape America's workforce, address critical shortages, reduce our country's reliance on overseas production, generate educational opportunities, and much more.In This Episode, You Will Learn:About the education and career opportunities (4:40)What are America's plans to "fix" workforce shortages (8:10)Dan talks about future funding and the semiconductor industry's growth (14:20)The impact of Tariffs on the semiconductor industry (16:10)Dan's predictions (and wishes) for the following years (18:30)Connect with Dan Marrujo:LinkedinEmail: dmarrujo@tss.llcPhone: 916-778-7402Trusted Strategic SolutionsThe Marrujo FoundationTrusted Strategic Solutions LinkedInThe Marrujo Foundation LinkedInDan Marrujo in the media:https://www.eetimes.com/gf-contract-meets-high-mix-of-dod-needs-expert-says/https://www.calpoly.edu/news/astronomy-research-fellowship-will-map-one-billion-stars-milky-way-beyondhttps://tignis.com/2022/11/09/tignis-engages-daniel-marrujo/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.

Do you know how to increase your business valuation and appeal to potential buyers?In this episode, we explore succession planning for business owners guided by the expert business broker, Randy Hendershot. Randy is the Founder and CEO of Evolution Advisors, a company specializing in helping entrepreneurs sell or buy businesses, get an accurate valuation of their company, and create a smooth exit strategy.Listen to episode 59 of On Life With Helen and get valuable insights on preparing your business for sale, identifying risks, and understanding valuation methods. You'll get Randy's actionable advice on building a transition team and planning to maximize profits and minimize stress. If you are thinking about selling your business or want to learn how to plan for it, you can't miss today's episode!In This Episode, You Will Learn:A bit about Randy's background and entrepreneurial journey (1:50)Why early planning is crucial when thinking of selling your business (3:40)Randy explains the evaluation and valuation process of selling a business (5:30)What are the key drivers of business value (7:00)Randy shares success stories and challenges he had throughout his career (18:10)How long does it take to sell a business (24:00)Connect with Randy Hendershot:Evolution AdvisorsLinkedInTwitterFacebookLet's Connect!EmailLinkedInWebsite - Ornellas InsuranceFacebook Page - Ornellas & Associates Insurance ServicesFacebook Profile Helen Ornellas Lanham Hosted on Acast. See acast.com/privacy for more information.

Do you remember what you did with the flyers you went home with after the last conference or entrepreneurial event you attended? Maybe this statistic will refresh your memory: 66% of promotional items are thrown away.In this episode, Marcie Shelton joins us to talk about an eco-friendly, impactful, and efficient marketing solution, Give2Lead. Marcie is a Leadership and Strategic HR Consultant, with a knack for sustainability and community, and the Founder of Give2Lead.Listen to episode 58 of On Life With Helen and learn more about Marcie's innovative platform that transformed traditional event swag for non-profit donations, while creating meaningful connections between businesses, their owners, and the communities they belong to. You'll learn how Give2Lead works, why it is ideal for building deeper connections with customers, and why it is the ideal alternative to traditional giveaways.In This Episode, You Will Learn:What is Give2Lead (4:50)Marcie explains the importance of quality interactions over quantity of interactions in events (7:20)How Give2Lead can help new businesses promote themselves and grow (14:00)About Give2Lead's environmental and community impact (20:30)Connect with Marcie:LinkedInEmail: Marcie@give2lead.com Phone: 916-755-2402Give2Lead websiteGive2Lead LinkedInLet's Connect!EmailLinkedInWebsite - Ornellas InsuranceFacebook Page - Ornellas & Associates Insurance ServicesFacebook Profile Helen Ornellas Lanham Hosted on Acast. See acast.com/privacy for more information.

Do you know anything about microelectronics? Tune in and discover why something so small produced so far from America can affect national security, military defenses, and daily life.In this episode, Dan Marrujo joins us to unravel the pivotal role of microelectronics and AI in defense and daily technology. Dan is the Founder of Trusted Strategic Solutions and former Chief Strategist at the Defense Microelectronics Activity (DMEA). He has over a decade of experience in national security technology, specializing in microelectronics strategy, supply chain resilience, and innovation.Listen to episode 57 of On Life With Helen and join Hellen and Dan as they discuss the transformative impact of microelectronics and AI in our daily lives and global industries. You'll also hear about dual-use technologies, why the CHIPS Act has a crucial role in America's future, the lessons learned from the supply chain disruptions in the last three to four years, how AI can help reduce food waste and improve sustainability, and much more.In This Episode, You Will Learn:What are defense microelectronics, and why are they so important (2:20)About American's government role in microelectronics development (7:00)Why the last couple of years had a massive impact on the supply chain of microelectronics (9:10)Why America should be working on becoming a world leader in microelectronics manufacturing and distribution (14:20)How AI and microelectronics are shaping our future (19:40)Why embracing new technologies is the smartest thing to do (23:50)Connect with Dan Marrujo:LinkedinEmail: dmarrujo@tss.llcPhone: 916-778-7402Trusted Strategic SolutionsThe Marrujo FoundationTrusted Strategic Solutions LinkedInThe Marrujo Foundation LinkedInDan Marrujo in the media:https://www.eetimes.com/gf-contract-meets-high-mix-of-dod-needs-expert-says/https://www.calpoly.edu/news/astronomy-research-fellowship-will-map-one-billion-stars-milky-way-beyondhttps://tignis.com/2022/11/09/tignis-engages-daniel-marrujo/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.

As a business owner and leader, how prepared are you to de-escalate conflicts and mediate during disagreements in the workplace?In this episode, we learn about the art of addressing polarization and promoting team harmony in the workplace from the brilliant Geoff Hash. Geoff is an experienced employment lawyer and workplace mediator with over 20 years of experience defusing conflicts in professional environments. Relying on open dialogue and trust among team members, he develops creative solutions to complex work-related challenges.Listen to episode 56 of On Life With Helen and learn how to recognize the need for mediation, create neutrality in conflict resolution, and address underlying personal traumas as the reason behind conflict manifestation in the workplace. Geoff also shares his thoughts on navigating workplace tension due to polarizing issues, the stigma on mental health and therapy that stands in the way of the importance of mental health awareness, how to communicate effectively, and much more.In This Episode, You Will Learn:A bit about Geoff's professional background (1:40)Why Geoff is someone you want to have on speed dial (3:20)How to establish trust and neutrality in mediation (5:20)Navigating social and political disconnect in the workplace (6:50)How traumatic experiences influence conflicts in the workplace (11:10)How do generational conflicts affect succession planning in business? (19:00)Why having no plan is planning to fail and how Geoff can help with this (23:20)Connect with Geoff Hash:LinkedInVisit EiroBridge's websiteFollow EiroBridge on XLet's Connect!EmailLinkedInWebsite - Ornellas InsuranceFacebook Page - Ornellas & Associates Insurance ServicesFacebook Profile Helen Ornellas Lanham Hosted on Acast. See acast.com/privacy for more information.

For how long would your business survive if you were forced to leave it unattended for a few months?In this episode, Melissa Yano joins us to discuss financial planning for small and medium-sized business owners and sheds light on planning and securing businesses' financial future. Melissa is the President of Capital Wealth Planner and a seasoned financial planner and advisor with almost two decades of experience in the field. She combines her vast technical knowledge with her passion for supporting her client's financial goals and making them possible.Listen to episode 55 of On Life With Helen and learn how to prepare your business for the unexpected, guarantee smoother transitions, and ensure things will keep flowing even if you have to stay away for a while. Melissa also details the devastating effects of messy or unplanned exits, explains why financial planning is so hard for most people, and debunks the myths about financial planning for businesses.Plus, Melissa shares expert advice on crafting succession plans, the power of buy-sell agreements, strategies for balancing personal and business finances, and much more.In This Episode, You Will Learn:The differences between financial planning for business and personal financial planning (2:40)Melissa talks about the most common challenges in financial planning for business (8:50)Why insurance is crucial in financial planning (14:00)Learning to identify (and ignore) market noise (18:50)It's okay not to be a financial expert. Even if you are a business owner (25:10)Connect with Melissa Yano:WebsiteLinkedInFacebookLet'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 a Medicare beneficiary and haven't received the 2025 Annual Notice of Changes letter (ANOC) from your insurance provider?Medicare's Annual Enrollment Period (AEP) is just weeks ahead. It goes from October 15th through December 7th, and the information shared in the ANOC letter is all you have to decide whether or not to switch to a different Medicare Advantage plan.In this episode, Rosamaria Marrujo explains what you should pay attention to as soon as you put your hands in the ANOC letter. Rosamaria is an expert in Medicare, an advocate for beneficial legislative changes in Medicare, and the Founder and CEO of Trusted American Insurance Agency.Listen to episode 53 of On Life With Helen and join Rosamaria and me as we break down everything you need to know about the 2025 ANOC letter, why it is crucial to read it carefully and keep it, the challenges posed by the new CMS guidelines, and the impact of the Inflation Reduction Act on the healthcare system. You'll also hear about the pitfalls you can avoid by working with knowledgeable agents, the impact of the maximum of $2000 for out-of-pocket prescriptions, and much more.In This Episode, You Will Learn:Why you should have the ANOC letters in your hands before October 15th (3:40)Rosamaria explains why you shouldn't throw your ANOC letter (6:20)How will the maximum $2000 out-of-pocket restrictions affect Medicare beneficiaries (13:00)Rosamaria talks about new prescriptions and drug policies coming up (17:30)About the upcoming changes in Medicare Supplements (23:00)Connect with Rosamaria Marrujo:LinkedInTrusted Insurance American AgencyLet'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 nearing Social Security age and feeling unsure about how to maximize your benefits? We've got you covered!Since Social Security folks are not there to provide guidance on which option is best for you, consulting an expert is the best chance you have to make the right choice when claiming your benefits.In this episode, David Brabender takes us through the complexity and potential pitfalls of navigating Social Security benefits without expert guidance. David is a local Independent Insurance Agent, the Founder of Atman Insurance Services, and the incoming President of CAHIP-Northern California, a local chapter of the National Association of Benefits and Insurance Professionals (NABIP). His philosophy is simple; try to leave the world a little better than he found it. His goal is to become a trusted advisor, to provide answers, options, and peace of mind.Listen to episode 52 of On Life With Helen to learn everything about common mistakes like claiming benefits too early, survivor and non-working spouses' benefits, and the impact of working while claiming benefits. David also explains how divorced individuals can claim benefits based on their ex-spouse's earnings record, shares tools and resources for making informed decisions about the best time to claim benefits, explains the tax implications of Social Security benefits, and much more.In This Episode, You Will Learn:A bit about David's background and expertise (2:20)What are the common mistakes in Social Security planning (3:30)David talks about tools for Estimating Life Expectancy (5:20)Survivor and non-working spouses' benefits (6:00)What are the limitations on changing benefits choices (9:40)Strategies for divorced individuals (11:20)David explains the impact of working while claiming benefits (13:00)Understanding Social Security and taxes (17:40)Connect with David Brabender:WebsiteLinkedInFacebookLet's Connect!EmailLinkedInWebsite - Ornellas InsuranceFacebook Page - Ornellas & Associates Insurance ServicesFacebook Profile Helen Ornellas Lanham Hosted on Acast. See acast.com/privacy for more information.

Still unsure of how Medicare changes will affect your health coverage in 2025?The new $2,000 out-of-pocket for prescription drugs, the changes in formularies, and changes in the coverage of weight loss drugs are some of the many modifications awaiting Medicare beneficiaries in 2025.In this episode, we get all our doubts about the upcoming changes for Medicare's 2025 annual enrolment period answered by expert guest Rosamaria Marrujo. Rosamaria is the Founder and CEO of Trusted American Insurance Agency and an expert with over 20 years of experience in the Medicare market. She is also a mentor for brokers, an advocate for beneficial legislative changes in Medicare, and a sough-after speaker passionate about engaging with seniors and empowering them to make informed insurance decisions.Listen to episode 51 of On Life With Helen and learn everything about the implications of the new $2,000 drug cap, the possible changes in carrier plans, and what will happen with zero to forty cents a month Premiums. Rosamaria also explains why working with a broker is essential to navigating the complexities of the upcoming changes in Medicare, supplemental drug plan clients' chances of getting help without moving to advantage plans, what should Extra Help beneficiaries expect in the future, and much more.In This Episode, You Will Learn:Rosamaria shares her thoughts on the upcoming $2,000 out-of-pocket limit for prescription drugs (3:20)What are the changes we can expect in Premiums (6:30)How will Medicare formularies change in 2025? (8:00)What is the Prescription Payment Plan Program? (16:50)Ancillary benefits for Supplement Plans (20:10)Extra Help programs: Benefits and upcoming changes (22:30)Connect with Rosamaria Marrujo:LinkedInTrusted Insurance American AgencyTrusted Insurance American Agency FacebookLet's Connect!EmailLinkedInWebsite - Ornellas InsuranceFacebook Page - Ornellas & Associates Insurance ServicesFacebook Profile Helen Ornellas Lanham Hosted on Acast. See acast.com/privacy for more information.

Wondering what Medicare updates you need to be aware of for 2025?In this episode, Helen goes through every major change in Medicare for the next year. From the $2,000 limit cap on out-of-pocket drug costs to changes in formularies, here is everything you must know to ensure you choose the right plan to stay on in 2025.Listen to episode 50 of On Life With Helen and discover everything you need to know about the importance of getting professional assistance, the new Prescription Payment Plan Program, and why it is crucial to think about early engagement in the enrollment process. You'll also hear Helen's thoughts on the $2,000 limit on costs for drugs starting on January 1st, 2025, evaluating supplemental plans versus advantages plans during enrollment, and more.In This Episode, You Will Learn:Helen talks about the $2,000 limit on out-of-pocket costs for drugs (2:30)What are the changes you can expect in monthly premium fees (3:10)Why it is crucial to get professional assistance (4:30)What is the Prescription Payment Plan Program (7:10)Supplemental plans versus Advantage plans (8:20)Resources:Prescription Payment Plan ProgramLet'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 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 SolutionsLinkedInLet'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 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.comLet'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: 916-612-8800Let's Connect!EmailLinkedInWebsite - Ornellas InsuranceFacebook Page - Ornellas & Associates Insurance ServicesFacebook Profile Helen Ornellas Lanham Hosted on Acast. See acast.com/privacy for more information.