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

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?