Testimonials on how Steve Shorr as your
Insurance Broker adds value, since by
law, all pricing is the same and Shorr does not charge extra for his
services.
I'm all enrolled with Jan 1 2012 start date. You may now rest on your
laurels :).
The pre-screen system you use is brilliant
Thanks much
L.T.
Subject: Hurrah!!!!!!!!!
Date: Fri, 4 Nov 2011
Steve,
Thank you so much, I apprecite what you have done for me, I've been such a nervous wreck!!!! Opened up my mail and there it was MY PLASTIC ANTHEM BLUE SHIELD (sic) [Cross] HEALTH INSURANCE CARD!!!! One of the best days of my life!, No way I could have gone through this without you.
All my love
Allison
Date: Mon, 31 Oct 2011
Oh, thank G-D That's the best. News I've had in a long time!!!!!
Thank you so much!!! "APPROVED". Love that word!!!!!
Allison
Date: Wed, 02 Nov 2011
Steve:
I'm a broker here in Southern Cal and have written group insurance for years. ... I want to know whether at this moment in time my client is treading on any dangerous ice from the standpoint of any potential discrimination claims. [Not insuring all employees] ... Can you provide me with any input?
M. C. CLU, CEBS
Wed, 2 Nov 2011
Steve,
..I've been fielding some idle interest from some insurance agents in my lodge, but I think you have more depth of experience in this field. Are there other options I should be considering in addition to the ones I've mentioned above? If so, please let me know. I'll investigate and then get back to you, so that we can start discussing policies and application procedures.
Thanks for your time,
L. G. PhD
Date: Tue, 13 Oct 2009 11:53
Hi Steve,
I just recommended your website to two other friends, by the way,
because it's such a wealth of info. In fact, I told you I would write a quote
you could use so here it is.
"Trying to negotiate my way through all the confusing health
insurance mumbo jumbo was truly frustrating. But finding Steve Shorr's website
was like discovering an oasis in a desert of non-information!"
Thanks!
Erica Karlin
9/14/2011 Via Text Message
Awesome Website Steve! Your creative gift for web design is evident!
Karen F-R
Mon, 12 Sep 2011
Steve,
Thanks so much for all the [HIPAA (when COBRA ends)] information you have provided; you seem to be the only source.
As a result of this experience, I will be writing to the state insurance commissioner asking him to require that there be better disclosure on these policies. That Anthem hid the fact of the 30% co payment for self=injectables, and those expenses are not included in the deductible, is reprehensible. I didn't find out that fact until I read the policy contract that you sent. United Healthcare was equally obscure about it and it wasn't even in the packet that you linked to, but I have to assume that their coverage is about the same (30% and it doesn't count towards anything). This type of disclosure is necessary when the law binds you irrevocably to one provider.
Thanks again so much and I will refer anyone I know needing insurance to you...
Thanks so much for your speedy replies and thorough website. I'm really glad to have stumbled onto it. Talk/email with your soon.
Liz K.
Wed, 17 Aug 2011
Dear Mr. Shorr,
I
I would also like to thank you for your web site. We had no idea that there were HIPAA plans available to us. The health plan provider web sites make no mention of it.
Sincerely,
Nora L
Date: Tue, 09 Aug 2011
Steve,
I appreciate you helping me navigate the rocky sea of [guaranteed issue] insurance. I know time is valuable, and I thank you for yours.
Best,
Gabriel S
6/24/2011,
Dear Mr. Shorr,
I appreciate your web site very much and found it to be extremely helpful;
It is difficult to navigate this but your expertise is helping me.
Sincerely-
Mark B
Thu, 21 Apr 2011
Hi Steve-
Thank you for the e-mail. A lot has happened since I first contacted you and I managed to find full employment with a great company that offers full medical.
Thanks again for your help, especially when I first called you and I wish you well on your future endeavors.
Mark
Click Image to Enlarge
Date: Thu, 14 Apr 2011
Hi Steve,
Thank you for taking the time to provide important information for me. It appears that that the stimulus can not help me. However, I am happy to know that you offer knowledgeable guidance about medical insurance policies, and I could use you[r] help in the future.
Your excellent web site makes me think I may have made a mistake in not trying for HIPAA coverage.
Dana S. G
Date: Tue, 15 Mar
Hi Steve,
Thank you again for your help navigating the sign up process, it is greatly appreciated.
Best regards
Alice R
Date: Wed, 2 Mar 2011
Steve?
You have a great website and I admire the way you have packaged all the necessities/opportunities of the senior market.
I sell most of the products you do here in the Georgia market. Did you do all the creative and heavy lifting on you site, or did someone design and implement your site for you?
Thank you for your assistance, I am really glad I am in expert hands with you.
Best regards,
Alice R
12/21/2010
Hi Steve,
Your service and web site are second to none.
But my cousin in Ft Lauderdale needs to find new health insurance she was laid off.
Anyone you would care to recommend?
Paula M
Date: Thu, 16 Dec 2010
I appreciate you putting the video of yourself on the site. I'm glad to know I will be dealing with a knowledgeable, non-pushy agent, representing all the major companies!
Thank you in advance for any help you can offer.
Sincerely,
Laurie M
Date: Sun, 28 Nov 2010
Dear Mr. Shorr:
Based on California definitions [AB 1672 CA Guaranteed Issue for Small Employers] (love your web site)
Would love your comments...keep up the good work..
-- All the Best, Rob G
Mon, 25 Oct 2010
Steve,
OK. ...I must say, your site has made it much easier to get the information,
Bill B
Wed, 06 Oct 2010
I really think your [web] site kicks butt!
George Jaspert RIA CEA
Registered Principal
QA3 Securities
760 722 5585
Jaspert Financial.com
8/9/2010
Thanks Steve.
You have always been our Agent. ...
It takes an alert and knowledgeable individual who is aware of this scheme to be on guard against the attempt to short-change one's Agent of record....
...if a caller is not ethical and believes they can save some expense by cutting the present Agent out, some folks will throw you "under the bus" to save $ 10.00. That is the reason we do not bid on new car business.
***Note that the rates direct are the same as through an agent.
It is a cut-throat world out there and there is little loyalty to one's friends and associates.
An Agent often works long and hard to find and maintain clients and it is the unethical scum of the business that will try to steal that customer for a few bucks....
We can't thank you enough for your help with this. But we'll try anyway:
Thank you Thank you Thank you Thank you Thank you Thank you Thank you Thank you
Bob K & Jude S
Date: Wed, 26 May 2010
You have an amazing website. I am just writing to say, "Thank
you."
Julie H
4/22/2010
Hi Steve,
I ran across your website as I was searching for CalCOBRA and HIPPA coverage
information. Very nice and informative site! I have an interesting situation
and was wondering if you could provide some guidance.
Your advise would be most welcome!
Thank you,
Marj K
Thu, 22 Apr 2010
Hi Steve -
Just wanted to say how amazing your website is. It was
extremely informative and well done!
Thanks, Lisa S
Date: Mon, 22 Feb 2010
Steve,
I called H. Williams at Aetna in Blue Bell, PA who advised that my
HIPAA coverage was approved and will begin March
1. ...
Now that the tough part is apparently over, my thanks to you for putting up with
me during this process. If you ever need a reference or testimonial - let me
know.
Doug
Date: Sat, 20 Feb 2010
Hi Steve:
I'm filling out an application for a Blue Shield employer plan. I got the
application off your website. I really appreciate the clear and systematic
info you've got up there, so I'm happy for you to get whatever commission having
your name on the application might get you.
... Also, it would probably be good to have you look it over before it goes to
them.
... I would first like to complement you on your brilliant website. I probably
went through 30 calls before finding your site. Your site answered far more
questions immediately than my prior 30 calls. Excellent site (and it gave you
the credibility to want me to have you as an agent).
....
5) My comparison using your site makes ....look like the best (do you
agree?). ....We live in Palmdale, CA ? I assume that?s not a problem.
Very happy to have found you! Finally someone who really knows about
HIPAA!!!
6:16 AM 11/20/2009
Hi there Mr. Shorr:
I have been experiencing a difficult time understanding
the different insurance options and policies available to me. I was doing some
research on the internet, and your company came up.
You are the precise type of knowledge that I have been desperately seeking vs.
calling a multitude of various 800# numbers.
I am willing to pay a consultation fee in
order to meet with you, as I have so many questions. My request is time
sensitive since my Cobra exhausts on November 30, 2009.
Accordingly, I will need to identify different options
available to me and get enrolled in a new insurance policy within the next
week or so since I do not want to go with any lapse of medical insurance.
It appears that you can help me enroll as well, and I would really appreciate
the opportunity to meet with you.
Can you please call me at one of the following phone numbers at your earliest
convenience:
.... home
.... cellular
My calendar/schedule is very flexible and I look forward to meeting with you
during you first available opening in your calendar.
Sincerely,
Tiffani T
Date: Fri, 13 Nov 2009
Steve,
Thanks again for your help! The documents on your web site were very helpful as
well.
-Josh
Wed, 11 Nov 2009
Dear Steve,
Thank you for talking to me today to answer my questions about
HIPAA and
health insurance coverage after Cobra.
You asked me to fill out a pre underwriting
form to see if my husband and I might be eligible for coverage without
HIPAA. ...
We have been looking over the information in your website
to prepare for insurance coverage once our COBRA expires in case neither of us
have a job by that time.
Your website is very informative. Thank you very much for your help.
Best Regards,
Lucy C
Sun, 25 Oct 2009
Steve,
Thank you for you informative treatment of
AB1672.
I am a criminal defense attorney in solo practice who's
COBRA has run out, and due to
pre-existing medical conditions (3
spinal surgeries), seem to be uninsurable.
I have given up trying to find a job in order to obtain group health insurance
as I am 63, and have been turned down dozens of times due to my age.
I have been told that creation of a
PLC would qualify as a small business entitled to group insurance under
AB1672.
Would the corp. count as one, and myself as
employee, count as
two in order to qualify under 1672?
Thanks for any assistance.
A. K.
Date: Wed, 14 Oct 2009 19:23
Hi Steve,
Congratulations on the depth of information on your website. It is very complete
and very up to date. It must be quite an undertaking to stay on top of it.
Thanks for making this fantastic resource available. It has been most helpful.
Thanks for your time.
Best Regards,
Bill R.
Date: Tue, 13 Oct 2009 11:53
Hi Steve,
I just recommended your website to two other friends, by the way,
because it's such a wealth of info. In fact, I told you I would write a quote
you could use so here it is.
"Trying to negotiate my way through all the confusing health
insurance mumbo jumbo was truly frustrating. But finding Steve Shorr's website
was like discovering an oasis in a desert of non-information!"
Thanks!
Erica Karlin
Sun, 6 Sep 2009
Steve,
That's great! ... I will write a letter to UHC to
change you to my agent. You have been much
more responsive than UHC and my previous agent.
Have a good holiday weekend,
Dawn
Tue, 01 Sep 2009
Are you licensed in Nevada? I was impressed by your web site, so I figured
I'd give you a shot.
If so, I have some questions about HIPAA coverage.
If not, can you recommend a colleague?
Alan L
Date: Wed, 22 Jul 2009
Thanks for following up.... If I have a problem, I will
get
back to you.
Otherwise, thanks for helping me get the policy without resorting to
hippa. With two
"declines", most people would have
given up.
Art
Tue, 14 Jul 2009
Hello Mr. Shorr,
First of all, I just want to thank you for all the resources that are available
on your site.
Thanks,
Jennifer
Wed, 1 Jul 2009
Thanks, Steve.
...I've really appreciated all of your help in this situation. ...
... They (my domestic partners family) were
also appreciative to hear how helpful the information on your website has been
to me during my search for replacement health insurance in California (and
making use of the HIPAA guaranteed issue option).
Thank you again.
Betsy
Date: Tue, 5 May 2009 04:49:41 EDT
Steve:
A client of mine improperly deducted life insurance premiums in his S
corporation and has recently passed away. The policy was issued in 2000 and tax
returns cannot be amended for the closed years to "fix" the problem. I did a
search to address this issue and you state that the proceeds of the life
insurance policy would be taxable if the premiums were deducted. Do you have a
cite for your response to the question? I have looked high and low and am
unable to find any additional information. I would greatly appreciate your
response and state to you that any response from you (right or wrong) will be
used sole for discussion purposes and will not be relied upon as tax advise or
any type of advice for that matter.
Thanks.
Ted H, CPA
Kansas
Thank you very much for your prompt and
detailed
response**. I will call you within the next week to discuss how I can send
any referrals to you. I have a large CPA practice in Kansas City and am very
impressed with your professional demeanor.
I will plan to call you Tuesday of next week.
Thanks Again.
**There were more, but we are only posting the main one, so as
not to infringe on the
Fair Use Doctrine.
Mon, 9 Mar 2009
Hello Steve!
I have been meaning to call you about dental insurance. Do you think you can give us some quotes on some plans? I am interested in life and retirement plans if that is something I can do on my own. The insurance worked out great, thank you so much for your efforts, as of a week ago, Dr. L can hear again! (Cochlear Implants)
Thank You!!!
C
2/26/2009 08:19 AM
Mr. Shorr,
I'm doing research on using 125 plans for employees who purchase individual insurance, and found your website very helpful, so I thought I would share the following legal analysis of mine, which might be helpful to others: HIPAA_125_Policy_Brief
Mark A. Hall, J.D.
Professor of Law and Public Health
Wake Forest University
Winston-Salem NC 27109-7206 hallma@wfu.edu 336-758-4476 faculty/profile
***********************************
Tue, 17 Feb 2009
Hello,
I am using your website http://www.steveshorr.com/privacy.htm as a source for my HIPAA research paper. ... Your site was incredibly helpful to me. Thank you so much. Your information on HIPAA was great!
Hi Steve,
Thanks for your article about Law Maxims, I particularly liked the section on proverbs, I loved the stuff on proverbs, my favorite was "The more someone says and the louder he says it, the less likely his words are worth listening to" I know people like that at work lol.
I also appreciated the section on Sarbanes-Oxley, we've been dealing with that a lot in the last couple of years.
Actually my company recently hired an email service to help with email archiving, ediscovery and that kind of thing. There's actually a really good page about the Sarbanes-Oxley Act and summaries of other major compliance regulations it's on Mimosa Systems.com/ Maybe this would be a good addition to your links.
Just thought that since your site helped me so much I thought I'd return the favor. Best of luck with your website!
Take care,
Jen
********************************************
Subject: MEDI GAP INSURANCE QUESTION PLEASE!
Date: Thu, 25 Dec 2008 16:53:08 +0700
Dear Mr. Shorr. . .
I am pleased that I found your website.
Possibly you can be of help to me.
Merry Christmas and Happy New Year!
Sincerely,
Ronald S
PS: I have tried researching this through Social Security website and it is entirely to confusing to understand! Your site is very much appreciated by many individuals I am sure!
*****************************************
Wed, 24 Dec 2008
Steve,
I was looking for some specific Medicare information and found your site on Google.
You have a great site. It is very informative without a lot of meaningless information.
I thought I'd tell you that. I think I am glad you are not in my area. I'd hate to have you as a competitor.
Best regards,
Mark A. Squires.
Principal
Squires. and Associates
Independence MO
*****************************************
Mon, 22 Dec 2008
Steve,
You're a bloody genius. I love the
Lane Victory site.
It has every important angle and bit of equipment- important for film clients.
It navigates easily and instantly. do you have any interest in ... becoming a founding board member of the ... Museum Association.?
A. L.
Webmaster's note - we use the same basic informative and navigation format on both sites.
Here is what looks like the best example of filming on the SS Lane Victory.
Steve is no longer the webmaster of the Lane Victory. Here is the
Internet Archive of his work
web.archive.org/
******************************************
Subject: Anexora - PPO Share 1500
Fri, 12 Dec 2008
Steve: Thank you!
I will look at this in detail but i am pretty sure this is similar to what i printed out last weekend from your fabulous website. When i came across your website, i definitely thought i hit a treasure chest. your site is very resourceful. ... Thank you, Thank you, Thank you! Renee B :)
At 11:21 AM 7/18/2008, you wrote:
Hello-
Great website! A lot of good information.
Maurine B
********************************************
Fri, 25 Apr 2008
Steve,
Thank you so much for all the advice and help you have given me. I had been so concerned since the day I started my COBRA coverage as to how difficult it would be to get HIPAA individual health insurance once my COBRA benefits had ended. Thanks to you, this mission has now been accomplished! I truly appreciate that you answered every question I had in an amazingly timely manner, and that you have created a website that contains so much great information.
Sincerely,
Linda
******************************************
Thu, 20 Mar 2008
Steve......We can't thank you enough for all your efforts. I have my new medical card and they said I should receive a packet of information in a few days. Looks like everything for B... is processed as well. Again, B... and I thank you for your help, I will try to stay healthy and fly under the radar so that we don't have to do this again. All the best.........B.. and J...
******************************************
Sun, 2 Mar 2008
Hi Steve,
Thanks so much for your responsiveness and the information you have provided. You stand out above all other people I have talked with over the years both in terms of your knowledge and your high level of customer service. I will use you for my insurance needs and will recommend you to anyone I know needing these services.
Thanks for your suggestion on HSA's. I did quite a bit of research yesterday on HSA's, and now believe I know at least enough to be dangerous. Based upon what I have learned, it does appear that an HSA would be my best choice, as I am generally healthy, historically have had very little utilization over the years, and am financially suited for this type of plan....
Any input you can provide to the above would be greatly appreciated and would greatly assist with the final decision. I would like to
start the application tomorrow.
Hi Steve: Thanks for note. ... All going good here, Roger sure appreciates his insurance and pension, thanks again for your help. Roger and J...
*********************************
Date: Wed, 25 Jul 2007
Thanks soooooooh much. You are always my hero.
xxoxox
Lori
*************************************
Fri, 20 Jul 2007
Hi Steve,
Thanks for your email. You have been on my mind. I just wanted to say how grateful I am for your help in guiding me to get my Mom on the Freedom Blue plan.
The administrator of the assisted living place (where Mom lives), Seth B. and I got on the phone together with Blue Cross back in May and were told my Mom was covered for the services of home health that my Mom needs. Seth apologized to me for having doubted her coverage.
Have a great day.
Mary Jo
******************************
Mon, 2 Jul 2007
Thanks for staying on top of this
You. Are great
We will recommend you to our friends
***********************************
Mon, 18 Jun 2007
Thank you for the follow-up. Your customer service ethic is why I went to you first in seeking additional insurance.
Sincerely,
Ralph
******************************
Steve,
I like the answers and the links to your content rich web site. Too bad the others that always want to post links to their websites don't have the depth of information in them. It is a real public service! (Leviticus 19:9)
Once again, thank you for making the process so easy (and fast).
Eva
******************************
03:39 PM 10/20/2005,
Hooray! I want to thank you, Steve, for all your help through this.
You fought for me the whole way.
John
****************************
Dear Steve,
Thank you for the information on your website about
UICI.... Mega & Midwest.... You saved me a lot of money and trouble.
Thank you
Cathy
Palatine, IL
********************************
Hi Steve, pretty cool website....
.... For the past few years I have continued to carry my own insurance while I was teaching at the college. They too offer a plan but I wanted to wait to see what would happen with my employment. I now have tenure and my cancer is more than 5 years in the past. So what I am thinking is opting to take the Prudent Buyer Plan offered through the college. Open Enrollment is only until June 17 so I need to decide pretty soon so that I don't have to pay double.
I continued to carry the other policy because it was so good and I couldn't ever get that $1000 deductible again. And the coverage was so great with all of my cancer treatments. But I think that this program offers the same coverage and that is what I want to know from you..... Please let me know your advice. Thank you Steve
Diane
***************************
Dear Steve,
Thank you for all your help. I also contacted the Department of Labor in Washington (by e-mail last night) and they called me back this morning. I AM entitled to coverage (COBRA) without my spouse -- the company does not have the legal right to say no.
I was advised how to go about informing the company once the time came to enroll and the gentleman I spoke with gave me his name and direct number should I need additional assistance. Phew! He pretty much is saying what you've provided, quote the law -- send them a highlighted copy showing they must cover me.
So now that I know that, the next step is to see if my husband will be able to enroll with Blue Cross through the company's new plan in May, or if we need to buy independent coverage. But there is time for that.
Thank you VERY MUCH for your help. As you can see, I was quite concerned about this, especially after getting the letter from the company denying me independent coverage. It's amazing how such a huge company (redacted - privacy), a company that must go through this often (they are in the process of laying of thousands yet again) doesn't even have someone in the benefits department who knows what's going on.
I appreciate your replying so promptly to me e-mails. I'm surprised how stressful this can be!
Barbara
*****************************
Thanks Steve for your answers. I am glad I came across your website and have all my doubts cleared. Am happy that i need not worry any more since I know I would definitely be covered.
Thanks and Regards,
M
********************************
Hi Steve,
Thanks so much for your help and recommendation. I didn't want to bother you again but after getting this last note threatening to take the money out of my Income Tax Refund, I was very upset. I have spent this evening crying as this has brought back a lot of memories. The fact that it is also happening around the holidays has made it very difficult for me. Again I thank you for helping me out once again. It's nice to know there are still good people in this world.
Take care and I wish you very Happy Holidays.
R
**************************
Steve,
Thank you for your help. My nephew was able to have his tooth fixed this morning. J
Leah
Sent: Monday, November 15, 2004 8:02 AM To: Leah Subject:Medi-Cal - Dental Providers
*****************************
Insurer Info:
Universal Care, Now a Personal plan (HIPAA) My initial consultation with Dr. LaMar was approved in 5 days. My surgery was approved in 2 weeks. (I couldn't believe the promptness of either one.) After I was approved for surgery, the small family business where I worked (my ins. was through) closed. Universal accepted me on an Individual Plan (at double prem., (HIPAA) but that's ok for now) so that my surgery date would remain the same. I'm sure 50% of the credit for the smooth handling goes to my primary physician, Dr. Joel Holtz and the other 50% goes to our "Ins. man", Steve Shorr.
