Submit questions or reach the Health Insurance Guys at Schrette Insurance, 1556 First St., Suite 105, Napa, 94559; 255-9511; schrette@gmail.com; or alancash@gmail.com.

Dear Readers: Our March 9 contrasted emergency room care with urgent care centers. We received a very informative rebuttal from Dr. Andrew Fenton, medical director, Napa Valley Emergency Medical Group.



Dear Tom and Alan: I will be going to work for a new boss soon. They seemed to want me and offered a health plan I’ve never heard of. It’s called a Kaiser HMO with an HRA. I’ve had Kaiser for years through my previous employer, so that part’s fine, but HRA?

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Dear Tom and Alan: I think this whole longterm care deal is a scam. Man, I’ve got health insurance, homeowners insurance, car insurance, life insurance (my wife made me get it), house payments, taxes and on and on! How am I supposed to get extra money to pay for a nursing home I may never go to?

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Dear Tom and Alan: I’m sure you get tired of Medicare questions, but I have several especially since we’re being deluged with information that seems so difficult to sort out.

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Dear Tom and Alan: Recently I received a letter from my primary care physician regarding a change in the structure of his practice from whatever it is now to something called “concierge.”