health insurance

Cherishing Her Love for Two Countries While Helping Fellow Expats – Barbara Kempen (Interview)

January 25, 2019 by Cornelia 2 Comments

XPAT Spotlight – Interview with Barbara Kempen, business owner, and nature lover, who manages to combine the two cultures she loves in her daily work while helping fellow expats.

Born in Cologne, Germany, Barbara Kempen has moved to Los Angeles about 30 years ago. She arrived in L.A. as a young student and was fascinated by the magic of the American dream. She decided to stay, raise a family and start a business of her own. She knows life in Los Angeles inside out and can tell you a story or two on what it takes to make it or break it here in California.

What made you leave Germany and choose California as your new home?

I was 24 years old when I finished my Diplom Kauffrau (similar to MBA) at the University in Cologne. As I was very young I wanted to gain some work experience abroad. During that year I worked for Lufthansa in Marketing and Controlling in Los Angeles and met my ex-husband. Instead of returning to Germany I started a career in the fashion industry and was a successful fabric sourcing specialist for several LA companies and often traveled abroad. [Read more…] about Cherishing Her Love for Two Countries While Helping Fellow Expats – Barbara Kempen (Interview)

Health Insurance in the US

July 23, 2009 by Cornelia Leave a Comment

Finding the right health insurance in the US can be quite some challenge. If you are employed by a company and are part of a company group policy you are one of the lucky ones. But if you are self-employed and need to find health insurance that is somehow affordable and covers the whole family, it can become a critical endeavor. Especially if one of the family members happens to have asthma, which is apparently considered a chronic condition, you might run into some problems.

This is at least what I am experiencing at the moment. While everyone else in the family got accepted by the plan I had chosen, my child with asthma got rejected and is still without any insurance. Now, here I go again hitting the on-line road to finding some acceptable insurance that will be okay with the pre-condition of my teenager. My Health Insurance Odyssey is far from over yet, it seems.

The article”Resources for the uninsured” by David Colker in the LA Times of June 21, mentions different options of what to do when being in this dilemma of trying to find a health insurance to cover you. One is apparently the web site of Healthy City, where one can find “…a search-able database of hundreds of organizations that provide various kinds of preventive, dental and eye care at no or low cost.” Check out www.healthycity.org. A child with a chronic condition can either “…stay on group coverage through COBRA, even if your COBRA eligibility has expired or can get coverage through the State Children’s Health Insurance Program”, according to Kathy M. Kristof’s article “Strike quickly to use COBRA”, also in the same edition of the LA Times.

I will be on my way to checking through this jungle of premiums, deductibles, Co-insurance and Out-of-pocket limits, since a teenager walking around without health insurance is a scary thought to me. How much easier it seems to me was it to have health insurance in ‘Good old Germany’. I don’t recall any of these hassles. You had one insurance that covered everything, from preventive care to visits at your dentist and optometrist and no-one was rejected for having a pre-condition.

Here are some more resources on finding the ‘perfect’ health insurance: Check out www.ehealthinsurance.com or some of the county services below:

Los Angeles: www.ladhs.org/wps/portal/Patient ; Orange County: http://egov.ocgov.com/ocgov/Health (click on “Clinics & Hospital Locations”); Riverside County: www.rcrmc.org; San Bernadino County: www.arrowheadmedcenter.org; Ventura County: wwwvchca.org/mc ;

The Partnership for Prescription Assistance program, www.helpingpatients.org , can help find reduced-cost or even free programs to get your medications.

Let’s see what the new health insurance plan by President Obama will have to offer. Hopefully it can make some difference.