Author Archives: dave@cunixinsurance.com

It was a scene that is played out daily in Greater Cleveland.  The participants may change, but the message is always the same – The Rules Apply to Everyone But ME.  A physician, we’ll call her Dr. Peg, was discharging … Continue reading →

I apologize for the wait Sir.  Unfortunately, you are not going to like my answer. That was, of course, an understatement.  After three separate attempts to insure a young family through Healthcare.gov, after today’s efforts which had already wasted an … Continue reading →

Pat Carr, the CEO of UnitedHealthOne, the individual health insurance division of UnitedHealthCare, had a goal.  On Tuesday, January 21st, Mr. Carr sent an email to insurance agents in which he shared the news that his company had had a … Continue reading →

In the opening number of the movie Fiddler on the Roof the town Rabbi is asked if there is a prayer for the Tsar:      Lebisch: Rabbi! May I ask you a question?      Rabbi: Certainly, Lebisch!      Lebisch: Is … Continue reading →

Some people just know how to shop. You and I may pay retail, but they always seem to find the best deals. And if they have to cut a corner or two? Well, they’ve got great scissors. We are in … Continue reading →

It is exhausting.  This choice.  This job.  This desire to craft a non-ideological, pragmatic path is taking all of my energy.  Confronted daily by people who either cannot, or will not, see the full picture that is the Patient Protection … Continue reading →

A plane crashes on the Mexican – United States border.  On board were U.S. citizens, Mexicans, Brazilians, and three passengers from Argentina.  Where so they bury the survivors? It is a classic misdirect.  A mental sleight of hand.  You know … Continue reading →

  Frank (name changed) is a successful attorney in his early 40’s.  He lives in Greater Cleveland.  On Friday he completed his health insurance application, hit the submit button, and watched the website crash.  This message, in bold red and … Continue reading →

  Under the old rules, the underwriting rules we’ve lived by for decades, health insurance premiums were determined by risk.  Healthy people paid less than those that weren’t.  We asked questions such as: Do you smoke? What is your height … Continue reading →

William was damned near ecstatic.   My client had a right to be.  William is a 57 year old self-employed Republican pragmatist.  He is also very unhealthy.  There are no imminent threats.  He just suffers from the kinds of things that … Continue reading →