The Coronavirus Aid, Relief, and Economic Security (CARES) Act was created to provide economic assistance to families, workers, and businesses during these uncertain times. One important thing the CAR...
Individual Coverage Health Reimbursement Arrangements, or ICHRAs, have been available since January 2020, and have been growing in popularity over the past year. This is because they allow employers t...
There’s no doubt about it: women have extraordinary abilities, including an intense sense of smell and the ability to see more colors and use more brain function than men. However, with the good com...
Is growth the goal for your small business? If your answer is: “Of course!” that’s great, but you should also take a step back and think about the answers to some other questions. Questions like...
Be honest: after 2020, does your couch have a groove in it from where you’ve been sitting and binge watching? Or does it seem like you’ve been spending more time in front of a computer screen in t...
As you age, your bones can begin to deteriorate, making hip fractures much more likely. In fact, according to the CDC, more than 300,000 adults 65 or older - 80% of whom are women - are hospitalized f...
you can volunteer with We’re all spending a LOT of time at home these days, and maybe you’re starting to get just a little bit (ok, very) bored with the same old routine. What do you miss most? ...
In order to keep your health insurance plan active, you need to pay an insurance premium every month. Premium prices depend on variables such as your age, the area where you live, and the amount of co...
There are thousands of businesses out there making websites, all trying to create unique designs, logos, videos, text, and images. There is a danger that, when you create a website for your business, ...
There’s no denying it: we’re all getting older. Aging is not something that any of us can avoid - and hey, it’s not so bad, considering the alternative! But that doesn’t mean that we don’t w...
Ah, spring. It’s the time of year that we think about love...well, love AND cleaning. While the former might be pleasant to ponder, the latter, not so much. It’s not a favorite way to spend free t...
Every passing year brings new trends in the workplace: are you old enough, for example, to remember switching over from actually walking across your workspace to speak to a colleague or employee to ju...
The coronavirus pandemic has taken a toll on many small businesses, and many are now struggling to stay afloat. In order to keep going, many small business owners had no choice but to furlough or lay ...
You know what they say, right? Coffee is good to the last drop, and red wine gets better with age. But, if you’re an older adult, is drinking that last drop good for your health? And does red wine g...
They’re calling you. Or maybe they’re taunting you? All of those books piled up on your bedside table, or backed up on your tablet. Friends recommended them, or you read about them on social media...
If you’re a business owner who works with contractors or has clients perform jobs for you, you have probably requested a certificate of insurance (COI) - or perhaps businesses you have worked with h...
One of the most important things you can do as a small business owner is make sure you have enough insurance coverage in case of a claim or lawsuit against you. Liability policies will go a long way i...
If you’ve got kids and you wouldn’t describe one as a picky eater, we are very, very happy for you. You have escaped one of the most stressful parts of parenting: feeding a kid who is just not int...
Let’s face it, the pandemic has put a lot of strain on small businesses, many of whom are now struggling to survive. If you’re a small business owner, you might have had to let some employees go, ...
April 11 is World Parkinson’s Day, a day to raise awareness about this debilitating disease. According to the National Parkinson’s Foundation, there are approximately 1.5 million Americans living ...
Once your business is up and running, you might come to the realization that you can’t do it all, and you’ll need more help. Instead of hiring a full-time employee to handle some projects, you mig...
If you decide to offer a qualified small business health reimbursement arrangement (QSEHRA) to your employees, you might have some questions about how to report the benefits on your employees’ W-2s....
Today, business owners are spoiled with choices when it comes to marketing. You’ve got ways to reach your customers that people just 30 or 40 years ago couldn’t even dream of. But, while you’re ...
A Medicare Supplement Plan can save you hundreds of dollars each year. These plans are sold by private companies to help cover the healthcare costs that Original Medicare does not cover, such as copay...
You go to the doctor for a routine checkup. Afterwards you go to the store to buy some groceries, only to realize that the place in your wallet where your Medicare card usually is is empty. You search...
If you’re healthy, you might not think you need health insurance. You might look at it as an unnecessary expense - but health insurance can be affordable! That is not the only reason you should get ...
You’ve got a lot of power tucked away in your wallet. Every time you choose to spend your money on one product over the other at the grocery store, drugstore, or clothing store, you’re sending a m...
During your teenage years, you might have had your fair share of acne. And unfortunately for some people, acne is an issue well into their adult years. But acne is not the only skin condition that som...
While most people have heard of cerebral palsy, not everyone knows exactly what it means to live with this disorder, unless they are dealing with it personally. Cerebral palsy, commonly referred to as...
Medicare and Medicaid. These two words are so much alike that many people get them confused. They are both government-sponsored health insurance programs, but that is where the similarities end. One o...
Kidney disease can develop at any age, but adults 60 and older are more likely to develop kidney disease than younger people. This is because as we age, so do our kidneys According to research from Jo...
If you are thinking of offering group insurance or a HRA to your employees, or if you are already offering them one or both, you might be wondering how to withhold employee insurance premiums and your...
As we age, we become more prone to unexpected injuries because of weak bones or joints. Each year, almost 3 million older people are treated in emergency rooms for fall injuries, and over 300,000 of t...
Ok, the holidays have been over for weeks and weeks now, so it’s getting harder to blame that uncomfortably swollen belly on a cookie-induced food baby. Don’t worry, though, that distended belly i...
Mom guilt. Officially, it’s not even a thing. The term isn’t in the dictionary, or in any psychology books. But you and I know it’s real. It’s the feeling that so many of us moms get that what...
President Joe Biden has nominated Chiquita Brooks-LaSure to be Administrator of the Centers for Medicare and Medicaid Services (CMS). Ms. Brooks-LaSure took part in setting up the ACA’s commercial h...
Imagine having to live on the streets or in a shelter because of your economic circumstances, or having to flee your home because of violence or a natural disaster. It’s hard to wrap your head aroun...
When you enroll in Medicare, you will find that there are actually quite a few out-of-pocket expenses associated with it. Part A has an annual deductible, as does Part B; Part B also has a monthly pre...
Offering employees health benefits is important for businesses in all fields to do, but nonprofit organizations often struggle to provide healthcare. Research conducted in 2019 found that only 18% of ...
Here’s a bit of a riddle: how can overspending look like saving money? When stores use the language and psychology of discounts to get us to open our wallets when we might not have otherwise made a ...
Employee Assistance Programs (EAPs) have been around for longer than you might think, and have an interesting origin. They began in the 1940s as programs to help combat employee alcoholism, and from t...
Your house is more than just a roof over your head; it’s where you’ve raised your family and celebrated many of the big moments in your life. It’s where you’ve done so much of your living! And...
Many Americans have lost their jobs, have had to change jobs, and are simply struggling financially because of the coronavirus pandemic. Some have lost their health insurance or are now underinsured. ...
When running a small business, you’re looking after every penny, and unfortunately you don’t always have extra working capital at your fingertips. But you want to grow and be able to jump on any n...
Just one single lawsuit can damage your business beyond repair, so there’s no doubt that you need liability insurance. But it can be a challenge to figure out what kind of commercial insurance your ...
A concussion can happen to anyone at any time. Your child could get injured playing sports, or you could have a car accident during which you hit your head. A concussion is a traumatic brain injury ca...
They are frightening statistics, but important ones to know: approximately 21,750 women receive a new diagnosis of ovarian cancer each year, and of those diagnosed, 13,940 women die from the disease. ...
Although research shows that women live longer than men, that does not necessarily mean they are healthier. Both women and men are likely to develop chronic conditions as they age, and women tend to d...
The nation is still dealing with rising numbers of cases of the coronavirus, and is now also dealing with new variants of the disease linked to different countries. There have been many cases througho...
We have been living with the coronavirus pandemic for around a year now, and studies show that, because of this unique situation, mental health issues and suicide numbers are higher than they have eve...
Why do people say, “I slept like a baby!” to indicate that they’ve had a great night’s sleep? Anyone who’s ever had one knows that they are generally terrible at sleeping through the night...
I’m usually a big advocate of looking beyond women’s physical bodies and focusing on more important things. But there’s no denying that we are amazing all around, and our bodies are something wo...
Businesses grow and change all the time, which means that, at some point, you might need to modify your commercial insurance policies. While your policies are contracts, they are not completely set in...
When shopping for commercial insurance, it can seem like the choice of insurance companies is endless. There is so much you need to learn about each company, including whether they are “non-admitted...
What can you think of that 90% of people do? Brush their teeth? Wear underwear? How about this statistic: surveys show that at least 90% of teens ages 13 - 17 use social media, with some research putt...
The internet changed the way we do business in so many ways. One of the biggest changes? Customers gained a whole lot more power with the emergence of online reviews. Word of mouth went from meaning l...
One of the worst things that your business can be accused of is negligence, or the failure to properly ensure the safety of someone else. If you are accused of being negligent, you could end up facing...
What do you think of when you think of “American” food? Burgers, fries, tacos, pizza, apple pie (sounds great, if not the healthiest of options!)...When looking at those iconic dishes, it becomes ...
March is Women's History Month. During this time, we might take a few minutes on social media to reflect on the achievements of women despite the adversity they have faced, or students might get some ...
When many of us hear the word “outsourcing,” we think of huge corporations firing their domestic employees and hiring overseas contractors to do the same job for less money. While that is one (ext...
The coronavirus pandemic has not only created hardship for many Americans, but it has also created a greater need for access to affordable healthcare. The governor of New York, Andrew Cuomo, is showin...
Your doctor might be the smartest and most compassionate person you know, but sometimes even they can make a mistake. We trust our doctors when it comes to our health, but when you are facing a new me...
When you decide to offer group health insurance to your employees, you will need to fill out multiple forms, and provide others to your employees. This can be a tedious process, but if you have an HR ...
On January 20, 2021, Joseph R. Biden, Jr. was sworn into office, making him the 46th President of the United States. Just hours after becoming President, Biden signed more than a dozen executive order...
It’s official: it’s cold out there. But that doesn’t mean that you have to head to a gym or give up on exercise completely. If you’re feeling up for an invigorating, wintery outdoor exercise s...
Being a business owner has its perks, but it also comes with a lot of responsibilities. One of these responsibilities is keeping your employees happy and healthy by offering them some kind of health b...
Many of us spend our days sitting in front of our computers or scrolling on our cell phones for long periods of time. And with more people working from home, many of us are using devices more than eve...
Adding a new member to the family is exciting! Whether you are getting married, adopting children, or having a baby, a lot will change in your life, including your health insurance needs. To make sure...
Prescription drugs have become so expensive that one in ten Americans opts not to get a prescription filled because of its cost. In an effort to help control the cost of prescription medications, the ...
Throughout the 2020 campaign and after his election, President Biden put forward many proposals related to healthcare, including one to lower the Medicare eligibility age from 65 to 60. If this were t...
For many people, one of the biggest perks of their job is the health benefits. Being offered group health insurance can take a huge weight off of your shoulders. But what if you don’t have enough co...
Final expenses are not easy to talk about, but it is necessary to do so. Funerals can cost $10,000 or more, and this does not include other end-of-life expenses such as medical, legal or credit card b...
It might not be a subject that we like to think about, but unfortunately, we won’t be around to take care of our families forever. It is important, though, to plan for the future, because when we ar...
You can never be too healthy, right? Well, that depends. If we’re just talking about getting enough sleep, eating a balanced diet, and getting your daily dose of exercise, then sure, there’s no ar...
One of the best ways to attract and retain the best employees is to offer competitive benefits. These benefits can come in many forms and are an important part of any employee's compensation package. ...
When a loved one passes away, the last thing on your mind is your health insurance plan. But once you are ready to look into it, you might find that, unfortunately, there isn’t a lot of information ...
You know what movie I think about at this time of year? Groundhog’s Day with Bill Murray. First of all, I love anything that has to do with Bill Murray - how can you not? Second of all, it’s cold ...
They say that youth is wasted on the young. And maybe it’s true that younger people don’t appreciate the advantages of youth, and maybe some of us think about what we would do if we could turn bac...
Health insurance can seem expensive if you’re only looking at the cost of premiums, copays, and deductibles, and not looking at how insurance works to actually help save you money. To understand how...
The coronavirus pandemic rages on, with cases of the disease at an all time high. On Friday, January 8, the U.S. reported 283,204 new COVID-19 cases, bringing the total to 21,862,773 cases. This is co...
When reading your commercial insurance policy, you might come across the term “waiver of subrogation.” Waiving subrogation rights means that your insurance company will be prohibited from “stepp...
Despite the fact that health insurance is an important and very popular employee benefit, many small business owners have been canceling their group insurance policies. For some business owners, even ...
The economy may not be at its strongest, but there are still customers out there willing to spend money. The key to connecting with them is knowing what they’re looking for, and that doesn’t mean ...
When it comes to group health insurance plans, most people have heard of HMOs and PPOs. But how about Exclusive Provider Organization plans (EPOs)? While these plans are not as well known as HMOs and ...
Unfortunately, workplace accidents and injuries happen. When they do, it can be very costly for a business. If one of your employees is injured on the job, they can claim workers compensation benefits...
If you own a business, commercial insurance is a must. Depending on the type of business you own, you could need a number of different commercial policies. Having all of these different policies can c...
Children’s Mental Health Awareness Week is February 1st - 7th, and we want to take this time to focus on the mental health of children. The CDC estimates that approximately 1 in 5 children are deali...
Arthritis stinks. The pain and stiffness can really put a damper on your day (or night), so you’ve probably put a lot of thought into what helps relieve your symptoms. Maybe you’ve noticed that yo...
In most cases, insurance companies cannot ask you about your medical history when you apply for a policy. One thing they can ask you, though, is whether you smoke and how often. If you vape, smoke, or...
According to the Centers for Medicare and Medicaid Services (CMS), heart disease has been the leading cause of death for Americans ages 65 and over for the past several decades. One in four deaths is ...
It takes a lot of work to keep your small business growing, so having a strong team of employees behind you might be one way that you get it all done. But have you ever really stopped to think about h...
How many condoms do you think are used on Valentine’s Day alone each year? More than 7.5 million! That’s a lot of lovers getting down to it - safely, which we wholeheartedly encourage.
Condom...
Stop for a moment. Are you aware of your body right now? If so, are you thinking about the sensations you’re currently experiencing and the amazing things that it is allowing you to do? Or has the t...
Chronic obstructive pulmonary disease, or COPD, is most common among individuals 65 and older. It is especially common among women age 65 to 74 years old. This disease is the third leading cause of de...
This year, Medicare Part B premiums rates are not the only rates on the rise. The Centers for Medicare and Medicaid (CMS) released the 2021 Medicare Part D rates back in October, and noted that, while...
You probably had a lot of dreams for your small business when you started it. Was one of those dreams rapid growth? We can’t blame you: who doesn’t want to see their revenues soar as their vision ...
You have probably heard or read about something like this in the news- a large company is hacked, leading to a major data breach. For example, not too long ago, big box store Target was the victim of ...
Some of us are just over the whole idea of New Year’s resolutions. We’re sick of judging ourselves, setting ourselves up to fail, or living in a cloud of negativity. 2020 was a rough year and you ...
As much as we wish everyone was open-minded and accepting, the reality is that some people are not. Unfortunately, in your business, you could find yourself with an employee who acts in an inappropria...
The coronavirus pandemic has hit the country hard. Many Americans have been affected financially, and now Medicare-accepting doctors are going to be among those suffering a pay cut. A new rule that is...
Was your fall so busy with work and holiday prep that you totally missed Open Enrollment? The Open Enrollment Period began November 1 and ended December 15, and, for some, a little over a month to sig...
What is the one thing we’ve always got with us? That’s an easy answer: our smartphones. These devices have been our once-in-a-generation technological advancement, like the computer before them, t...
Watch the TV long enough, and you’re bound to be bombarded with ads promoting pills for men’s sexual health. There doesn’t seem to be many taboos remaining when it comes to talking about older m...
It’s that time of year again, when many people’s thoughts turn from all the Christmas cookies they packed away in December to getting fit in January. That’s a great goal, but you need a way to s...
There are many advantages to purchasing a family health insurance plan. Having one of these plans is much cheaper than paying for individual plans for each person in your family, and will give you pea...
Health Reimbursement Arrangements (HRAs) and Health Savings Accounts (HSAs) are both great options for employees and employers who want to save money on group health insurance costs. Many employers ...
Most people know exactly what to do when there is something physically wrong with them. Think you have strep throat? You call your primary care physician, make an appointment, get checked, get treated...
What’s on your list of things that are vital to your health? Exercising? Eating right? Getting enough sleep? How about taking your daily vitamins or supplements? According to a recent poll, a whoppi...
Ten months into the coronavirus pandemic and we are still in the thick of things, although there is now some light at the end of the tunnel. Many states, as well as other countries, are seeing a sharp...
Having health insurance is necessary for keeping you protected in the event of an emergency or accident. A full-coverage plan is usually your best bet, but in some cases you might decide to opt for a ...
One of the first steps in getting your business up and running is making sure it is insured. Once it is fully insured, you can rest easy knowing that your hard work is protected in the event of any mi...
The terms claim and lawsuit are often used interchangeably, but they have very different meanings and affect your business in very different ways. If you own a business, it is important to know the di...
If you were to be hit with a lawsuit, could you sustain it? If you did not have the right amount of coverage, you could lose the business you’ve worked so hard to build. An umbrella policy can provi...
Each year, the IRS sets contribution limits for Health Savings Accounts (HSAs). This year, HSA contribution limits are up by about 1.5% from 2020’s amount. New contribution limits for 2021 are going...
Some kids get to live their dreams. Some, well, they fall through the cracks. Some have access to programs that challenge them and bring out the best in them, while some look around and see nothing bu...
The Health Insurance Open Enrollment Period is over. To get the most savings, this year take a deep dive into all the plans available in your area, instead of just renewing your health insurance plan ...
Glaucoma is the cause of approximately 10% of cases of total blindness in the U.S. It mainly affects people over the age of 65; in fact, the American Academy of Family Physicians notes that about 75% ...
It’s no secret that the economy is not at its strongest right now, and that many small businesses are struggling. The approximately 30 million small firms in this country are the backbone of our eco...
The Employee Retirement Income Security Act of 1974, also known as ERISA, was designed to define the rules and standards for retirement and healthcare benefits. It was created to protect the assets of...
As parents, we know there are lots of reasons why we shouldn’t be overloading our kids with sugar. A treat now and then is no big deal, but a steady diet of sweets can lead to health issues now and ...
Shopping for Medicare can be an exciting time; it is when you can find a plan that offers the coverage you need and saves you money. But it can also be a hectic and frustrating time, when you could ge...
Now that New Year’s has come and gone, what’s on your mind? Are you reflecting on the past year? Or are you looking forward to the year to come? Or maybe you, like many people, made weighty resolu...
As a small business owner, you want to take care of your employees; after all, they are the backbone of your business. Offering group health insurance is a great way to take care of them, but it can b...
In 2015, a U.S. Supreme Court decision gave same-sex couples the constitutional right to get married in all 50 states. Because same-sex marriages are now legally recognized, couples can receive each o...
Have you ever gotten acupuncture, or a chiropractic adjustment? If so, then you are one of the 40% of U.S. adults that use complementary and alternative medicine, also known as CAM. These days, some ...
It can be easy to focus on the things that we lose as we age. Energy, sleep, even taste buds! The possibility of losing one’s memory can be the scariest thing of all, and, unfortunately, it does hap...
You and your spouse are probably used to doing a lot of things together. While you were working, healthcare was probably one of the things that you participated in jointly. If you had an individual or...
If you asked most people how much they would pay themselves if they could set their own salary, you’d probably hear a lot of 6 or 7-figure numbers being thrown around. But when you’re the owner of...
Did you know that senior citizens over the age of 65 make up 14% of all chiropractic patients in the US? As people age, they can experience a loss of mobility due to bone and joint deterioration. This...
Original Medicare offers great health benefits for people ages 65 and older, but there are some expenses it does not fully cover. Medicare Part B covers 80% of most medical costs, leaving beneficiarie...
Health insurance plans change from year to year. Sometimes prices will change, and coverage will change: some things will no longer be covered, and some benefits will be added to your plan. As you loo...
Buyer's remorse- it happens to the best of us. It can even happen to you after you sign up for a health insurance plan. Now that Open Enrollment has ended and you have signed up for a plan, have you r...
What do you look for when you’re shopping for food, beauty products, and cleaning supplies? Are the labels “clean,” “green,” or “natural” important to you, and are you willing to pay mor...
There are some things that we know aren’t true. “Old wives’ tales” like eating bread crusts will make your hair curly, shaving will make your hair grow back thicker and darker, or making silly...
Health insurance companies are projected to owe rebates to almost 8 million people this year. Are you one of them? According to the Kaiser Family Foundation, 7.9 million policyholders will receive som...
It is easy to find cheap commercial insurance, but, more likely, a cheap plan will not provide the coverage that your business needs. If a policy is a lot less expensive than others, there is usually ...
With age comes wear and tear to your body. Knees are especially vulnerable to damage because of how much use they get over the years. As you age, the cartilage in your knees wears down, and can become...
When you were a child, it probably felt like it was easy to meet new people and form relationships. Whoever had a ball or the latest gadget to play with was a good candidate, and you could march right...
Sometimes you just need a mental health day. And sometimes you get one, and then have no idea what to do with all that “me time.” So you end up feeling guilty, unproductive, and more dissatisfied ...
Hiring an employee is expensive. Three different recent studies have found that the cost of hiring a new employee can be anywhere from $4,000 to over $7,000. Money isn’t the only resource that you u...
Insurance terminology can be confusing, you’re a business owner, not an insurance expert. It can be difficult to differentiate between terms, but it is crucial to understand the differences in order...
When it is time to enroll in Medicare, change your Medicare plan, or purchase a Medicare Supplement Plan, speaking to an agent is a great idea. But before you do, make sure you have all of your inform...
It’s official. New Year’s is cancelled this year. Ok, maybe that’s being a little overly dramatic, but so far we know that some of the most well-known American New Year’s traditions, like the ...
The Centers for Medicare & Medicaid Services (CMS) has finally released Medicare costs for 2021. Knowing these costs will help you decide whether to stick with Original Medicare or buy a Medicare ...
Are you finding that life isn’t as...sweet as it used to be? How about salty? Or sour? You’re not imagining things - as you age, your sense of taste actually starts to decline, like your eyesight ...
Jin-Ya Huang might have the secret to building both a successful business and a nonprofit organization that has lasting, tangible effects on people’s lives. Her unique catering company, Break Bread,...
For many people, turning 65 and starting to collect Social Security means being automatically enrolled into Medicare. There are exceptions to this and ways to put off enrolling into Medicare, such as ...
What’s your go-to food vice? Do you have a sweet tooth? Is salty and crunchy that really gets you going? Or maybe every day is different, and you find yourself rummaging around for whatever snack it...
Employers who have trouble providing their employees with a traditional group health insurance plan sometimes turn to health reimbursement arrangements (HRAs) to help. HRAs are not health insurance, t...
Whether it’s for a job, to attend school, or just to start a new life, moving is a life-changing event. Changing locations impacts a lot of things in your life, including your current health insuran...
One of the best ways to attract better employees is by offering group health insurance. Unfortunately, providing high quality health insurance usually means that your business is going to pay a lot fo...
Retirement. For some, it’s something they’ve been looking forward to for half of their working lives; for others, it’s a necessary evil that they learn to live with. However you felt about retir...
Being a small business owner means being on a tight budget, so fitting in a group health insurance plan for your employees can seem a bit overwhelming. Offering group health insurance, though, is not ...
Open Enrollment for health insurance has begun. This period gives employers and employees the opportunity to change their benefit options, and many companies use this time to review their employees’...
While Medicare does not have a “network” of doctors in the same way that a private insurance policy does, there is still a risk that you could get hit with a bill if you see the wrong doctor. Medi...
It's 6 PM and your child is running a high fever. The pediatrician's office is closed, but you want to speak to a doctor immediately. Should you go to the emergency room? Use telehealth services? Or s...
As a small business owner, you want to provide the best for your employees. That includes offering group health insurance that will not break the bank. When researching group health plans for your emp...
When you own a small business that offers advice or services, there’s always a risk of lawsuits due to errors and omissions. Even if you have done your job to the best of your ability, something can...
Medicare Open Enrollment is the perfect opportunity for you to change plans and find ways to get more coverage and save money. Medicare Open Enrollment is also the perfect opportunity for scammers to ...
It can be easy to put safety on the back burner when working in a fast-paced environment, but having an unsafe workplace is bad for your employees, and bad for business. No business owner wants to be ...
When most people hear the word “franchise,” they probably think of a huge, modern-day corporation, like McDonald’s, and its thousands of fast food outlets all over the world. But this type of bu...
Getting hit with an unexpected medical bill can be scary. It can happen to anyone; in fact, surprise medical bills have affected more than half of all Americans. Even if you have health insurance, the...
It’s no secret that in order to survive, your business has to grow. How that growth looks might differ from business to business. You might not be interested in adding locations, franchising, or exp...
Having commercial insurance is important for your business. The right coverage mitigates any financial risks and protects you in case of any unexpected events. To make sure that your business has adeq...
Strokes are more common than you might think: they are one of the leading causes of death and disability in the US. According to the CDC, each year almost 800,000 people suffer a stroke. Nearly three-...
Open Enrollment begins on November 1, and the 2021 premium rates for ACA plans have now been announced. Rates will be increasing slightly, because insurance companies have had to shoulder the costs of...
It’s easy to simply purchase a health insurance plan, get comfortable with it, and not review it at the end of your year-long policy period. But if you automatically renew your plan and don't look a...
Running a small business often means finding ways to save money. One way that many small business owners do this is by leasing their property rather than buying it. There are multiple reasons to go th...
For seniors, access to healthcare can be a real issue. Research has shown that, despite the universality of Medicare, seniors in the United States face greater barriers to healthcare and are overall s...
If you feel like healthcare costs are out of control, you’re not alone. It seems like costs are constantly rising, making it hard for many to afford a health insurance plan or their medications. Bec...
Allergies. Anyone can suffer from them, no matter their age. They can be seasonal, they can be food-related, they can be triggered by pets...but no matter the cause, they’re always annoying, and som...
If you own a business that employs fewer than 50 people, then you are not required to offer your workforce group health insurance - but that doesn’t mean that you can’t, or that you shouldn’t. M...
Trends in music come and go, but some things never change. Kids will always find ways to be cruel to each other, it will always be tough to be a teenager, and music will always have the power to heal ...
Having enough commercial property insurance coverage is crucial to protecting your business. Whether you’re choosing to insure the actual cash value (ACV) or the replacement value of your real prope...
One of the most common causes of repeat seizures is epilepsy. A diagnosis of this disorder usually comes after someone has experienced at least 2 seizures that were not caused by another medical condi...
Open Enrollment is less than 2 weeks away (November 1- December 15), so make sure you’re prepared! Whether you are enrolling in an individual health insurance plan for the first time, renewing your ...
The marijuana plant has been the topic of heated conversations in recent years. Most people know Marijuana has a reputation for recreational use, but what about the impressive medical research and ben...
As we navigate one of the worst public health crises of our lifetimes, something ominous looms on the horizon. With a severe cold and flu season ahead, as well as a surge of COVID-19 cases, it’s imp...
Every single business is required to have workers’ compensation insurance, right? Well, it depends. While it’s required by the state in some situations, in others it might not be so cut and dry. I...
If the COVID-19 pandemic has taught us anything, it’s that sometimes the unexpected happens. Unfortunately, has also taught many families that they are financially underprepared for a crisis. In 201...
Have you ever spent too much time trying to convince yourself to cook dinner, just to end up throwing in the towel and ordering takeout? You’re not alone. After a long day, the idea of gathering ing...
Amid uncertainties about Medicare prices for 2021, Congress has taken action to provide some relief next year for the 64 million Medicare beneficiaries in the United States. On Wednesday, September ...
You're probably already familiar with Original Medicare, especially if you’re nearing the age of 65 and getting ready to enroll. You may not be aware, though, that there are some gaps in Original Me...
If there’s one thing that we can all agree on, it’s that 2020 has been an unusual year, especially when it comes to healthcare. We’ve seen a once-in-a-lifetime pandemic, and we still don’t kno...
When it comes to making a claim on your commercial insurance policies, there's no arguing with your insurance company about what is covered and what isn’t. But that doesn’t mean that once a policy...
It’s that time of year again! For many employers who offer healthcare benefits, the fall means open enrollment for your employees. It’s time to start thinking about how you’re going to present y...
As an employer, you are entrusted with a lot of personal information about your employees. This is especially true when it comes to their healthcare. You provide their health insurance plan, and you a...
Approximately 80% of Medicare beneficiaries stay with the same Medicare plan year after year, which means that they could be losing money. You should resist the temptation to automatically re-enroll i...
According to a recent study, Medicare spent $1.4 billion on drugs in 2017 and 2018 that ended up being discarded. More specifically, Medicare spent $695 million on discarded Part B drugs in 2017, and ...
When was the last time you were checked for pancreatic cancer? This “silent killer” is difficult to diagnose early on, because it often causes no symptoms until it affects the organs around it. Ma...
It is a misconception that women over the age of 65 do not need regular pap smears or annual pelvic exams. One recent study conducted in San Francisco found that women over the age of 65 were less lik...
It's almost impossible to walk anywhere these days without seeing a smartphone in nearly everyone’s hand. Smartphones are wildly popular, and their technology has advanced greatly in the last few ye...
Nobody said starting your own business would be easy. There are so many moving pieces, and you are responsible for everything. The pressure of solo entrepreneurship can lead to stress, setbacks, and...
This school year might not look exactly how you imagined it would. With 42% of parents working from home and millions of students settling into online classrooms, we are facing an entirely different s...
There is no shortage of fitness trends out there (think pole fitness, aerial yoga, prancercise…), but there is one that brings a whole new meaning to the phrase “clowning around.” Circus fitness...
Starting a small business is a great accomplishment! It takes a lot of hard work, and you probably have a to-do list a mile long. One very important thing on your list should be finding a great group ...
October is Breast Cancer Awareness Month, and it is important that this month, and every month, we continue to focus on preventing and treating this disease. While raising awareness means listening to...
Health insurance is important for everyone, but it can be especially important for women. The right policy will provide coverage for reproductive healthcare, and for preventative services that can det...
It’s easy to take what you have for granted, it’s easy to opt out of putting in the work to take care of ourselves, it’s easy to look at other people and not see them for everything that they ar...
When it comes to safety in the workplace, you shouldn’t take any shortcuts. Same goes for workers comp insurance: not only does the right coverage protect your employees from huge medical bills and ...
How much money have you put into your health savings account recently? If the answer is “not much,” then you should put contributing to it at the top of your to-do list. As long as you are enrolle...
Not having commercial insurance could be a costly mistake to make. You need coverage to protect everything you’ve been working so hard to build. Hurricanes can hit, burglaries can happen, employees ...
If this was your first year as a Medicare beneficiary, then you are heading into your first Medicare Open Enrollment Period. When you enrolled in Medicare, you chose whether to stick with Original Med...
Over 18 million Americans have some form of sleep apnea, and some need a Continuous Positive Airway Pressure (CPAP) machine. If you are enrolled in Medicare and are one of these millions of people wit...
If you’re running a small business, there’s a good chance you have more than one type of employee. You might have a few full-time workers, a few independent contractors, and some part-time employe...
Health insurance is complicated, and sometimes searching for a plan can leave you with a lot more questions than answers. Purchasing a health insurance plan is a huge investment, so you need to make s...
The price of medications has been steadily increasing over the years, and there is no sign that prices will be going down any time soon. Studies show that the prices of some top-selling brand-name med...
With the rising cost of health insurance premiums, it’s no wonder that high-deductible health plans (HDHPs) are gaining in popularity. For employers, these plans are a great way to offer employees h...
Healthcare claims for sexually transmitted diseases have reached record levels in the United States. Between 2007 and 2018 alone, private insurance claims for STDs rose by approximately 76%. According...
There’s a new school of thought in the business world, one that makes positivity and employee experience a higher priority than it was in the past. It used to be that the majority of businesses focu...
September is here, and with it will come important documents for Medicare's fall Open Enrollment. Medicare Open Enrollment, which is also referred to as the Annual Election Period (AEP), occurs every ...
Medicare Open Enrollment Period (October 15 - December 7) is right around the corner, so it’s time to start reviewing your current plan. Is it working for you? If you’re not totally satisfied with...
Building a business from the ground up is no small feat. It requires patience, commitment, and most of all, strategy. It’s like they say - if you fail to plan, you can plan to fail. So much of busin...
Do you think you’ll live to see 100 years old? For some people, living to be a century old seems unlikely. But in some small, isolated communities known as “The Blue Zones”, it’s the norm. In ...
If your business is really taking off, and you’ve decided to expand, then you’ll need to start thinking about updating your commercial insurance policies. When you first started your business, you...
Breast cancer. Those two words can be terrifying, especially for older women. The median age for a breast cancer diagnosis is 61 years old, with 41% of breast cancer cases diagnosed in women age 65 an...
If there’s one thing that can really wreak havoc on your business property, it’s water. Flooding, heavy rains that come with hurricanes, and burst pipes can all cause serious damage and cost you a...
If you’re headed towards retirement, how prepared are you to give up your steady paycheck? If you’re already retired, how financially secure do you feel? Your goal doesn’t have to be living the ...
Offering any type of healthcare plan to your employees is beneficial to both of you, and not just because they help keep your employees healthy and productive. There are a lot of tax benefits to offer...
Prescription drug prices have been soaring over the past decade, leaving millions of Americans unable to afford the medications that they need. If you have a great health insurance plan, then you have...
According to the National Institute of Neurological Disorders and Stroke, over half a million people over the age of 65 suffer from a stroke every year. A stroke can be very serious, and can have long...
Wouldn’t it be great if insurance was simple, and your policies were written in plain English? An accident wouldn’t be called a “coverage trigger” and you wouldn’t have to scramble to figure...
In order to ensure that hospitals, clinics, and other healthcare providers are not being overpaid for Medicare services, CMS usually conducts on-going audits. However, CMS suspended most fee-for-servi...
With the coronavirus pandemic dominating the news cycle, some of the focus has been taken off one of our country’s other major health crises: the epidemic of opioid addiction. This epidemic has clai...
As fall approaches and the new school year begins, the coronavirus continues to spread in the U.S. Some universities have started allowing students to return to campuses, and their return has been acc...
According to the National Coalition Against Domestic Violence (NCADV), around 20 people are physically abused every minute in the United States by their partners. That equates to over 10 million women...
When tragedy strikes, we are often faced with two choices. We can give up, or we can emerge stronger. In some cases, like that of Dr. Dorothy Johnson-Speight, founder of the Philadelphia-based organiz...
An increasing number of employers are jumping on the high deductible health plan bandwagon. In 2006, only around 6% of companies that offered healthcare plans offered High Deductible Health Plans, but...
https://youtu.be/iAjLAfFym2o
Starting a small business and working from home is a goal for many people, and a reality for some. Those who are already living the dream will tell you that you need to...
As anxiety, depression, and other mental health issues are on the rise, people are seeking natural, holistic ways to help relieve their day-to-day blues. Of course, you should always talk to a trusted...
The fastest a vaccine has ever been developed and made available for distribution is 4 years, but scientists are currently trying to develop one for the coronavirus in under a year. Scientists in doze...
Sometimes it feels like big corporations get all the breaks. They have the money and the leverage to get the best deals on everything. But small businesses like yours are what make up the backbone of ...
We hope it never happens to you, but there might come a time when your business experiences an accident or loss. An unexpected storm could rip through your town and knock a tree onto your building, or...
The debate over the economic stimulus package continues, despite the fact that Congress is in recess. President Trump has been saying that he would step in if there was no agreement reached, and he ha...
All businesses go through rough patches, whether it be when they first start up, or when they are faced with unforeseen circumstances. If your business falls on hard times, you might end up feeling st...
The thought of aging can be scary for many people. They worry about things like worsening health conditions, limited abilities, or losing friends and family members. The things that people seem to fea...
"Mompreneurs" are powerful women who run businesses and households. Separately, each of these jobs is daunting and exhausting, so combining them is not for the faint of heart. Women who are raising ch...
The time has come to hire a new employee! Maybe you’re expanding your business, realizing you can’t use interns for full time labor, or replacing an employee who has moved on. Whatever the reason,...
Many people are obsessed with fitness, and obsession can spiral out of control quickly. Following fitness celebrities and looking into new diet trends may seem like steps in a positive direction, bu...
Thanks to modern technology, anywhere can be an office or a workspace, and you can have meetings with people you’ve never actually met in person. You might employ people in different parts of the co...
Businesses big and small all use social media to connect and communicate with their customers. Many bigger businesses pay for a social media strategist, but we believe you can handle the basics on you...
If you’re a newbie shopping for group health insurance for your small business, how are you feeling about the whole process? Confident? Nervous? Confused? We get it, there’s a lot of feelings to f...
With the coronavirus pandemic still hitting our country hard, many are hoping that a vaccine is on the horizon. While President Trump is claiming that a vaccine will be ready for distribution before e...
Medical bills can be a huge source of stress. They can seem like they are never ending, but there is actually a limit on how much you can spend on out-of-pocket healthcare costs. The out-of-pocket max...
If everything has been smooth sailing for your business so far, then that’s great! We’re happy for you! We don’t want to drag you down, but we do need to remind you that sometimes things go wron...
Over the past few months, many people have gotten used to seeing their doctor virtually, or being able to call them from the comfort of their own home. Access to telemedicine was greatly expanded duri...
One in three Medicare beneficiaries has diabetes, which is more than 3 million people nationwide. Unfortunately, Medicare does not provide coverage for insulin. In May, President Trump announced that ...
The seasons are changing, the temperature is dropping, and soon we'll see some beautiful foliage. It’s the perfect time to take advantage of the great outdoors. And what better way to do this than b...
The Affordable Care Act (ACA) changed a lot of things about the way healthcare works in the U.S. One of the changes it made was to create an open enrollment period for everyone shopping for a health i...
Many new parents worry about raising their children. Will they be kind? Creative? Smart?
As parents, we only want to do the best for our children, but there’s no guidebook for nurturing their b...
As this unusual summer rapidly draws to a close, it can be hard to visualize how this school year is going to unfold. But whether you're dropping the kids off at school, or setting up a kitchen classr...
As we get older, it’s easy to feel isolated. We know that a sense of community and connection is pivotal for the health and wellness of seniors, but how to maintain that sense of community when livi...
Those of us who are suckers for a crazy, sweaty workout know the meaning of motivation. So do those of us who have ever been moved to support a worthy cause or work in some way for social justice. It...
Many businesses are operating remotely, schooling is being done virtually, weddings have been postponed, masks and social distancing are the new norm, and it seems like no one has been left untouched ...
Ambulance rides are not cheap, they can range anywhere from hundreds to thousands of dollars. During a medical emergency, the last thing you want to worry about is if Medicare will cover the large amb...
Do you remember your first internship? For many business school graduates, an internship is a rite of passage. And now, the tables have turned and you’re in a position to supervise a young up-and-co...
When you sign up for Medicare, you will receive several preventive care services at no cost to you. The exams and screenings offered to you are meant to assess your overall health and your risk for de...
There’s a lot to keep on top of when you’re running a small business, especially if that business is growing. Growth is great, right? If you’re not moving forward, you’re just standing still, ...
Transgender people have fought for a long time to get equal rights. One area that has seen great advancement is the healthcare industry. In the last few decades, the medical community has shifted from...
Have you ever woken up with an aching jaw? Do you suffer from sensitive teeth? How about tension headaches that stretch across your forehead like a rubberband? These symptoms - a constant aching pain,...
There are a lot of choices when it comes to Medicare Supplement Plans. You not only have the choice between 10 different letter plans, but you also have the choice of multiple companies to buy your pl...
Coronavirus continues to spread through the US like wildfire, with cases now topping 4 million. Some states, like California, are still seeing a large rise in case numbers, and death tolls in other st...
There are many ways you can describe the health insurance system, but when it comes to enrollment, “flexible” isn’t always one of them. Each year, you choose your company’s plan and your emplo...
One of the questions often asked by small business owners is: can I offer my employees ACA Marketplace coverage and qualify for subsidies? The answer to this is actually yes and no. If you are a small...
Swim Lessons. This might seem like a common sense solution but you would be surprised how many parents wait too long to get their child comfortable in the water. If you own a pool or are frequently ar...
There’s more to healthcare than just physical health. Annual check-ups and care for injuries or illnesses are important, but so is managing stress, anxiety, and other mental health concerns. You can...
Social media is a powerful tool for communication with and connection to your customers. In this multi-part series we have been covering the basics of social media for businesses. In this edition, we...
https://youtu.be/v_LEo0voojA
HMO, PPO, and POS, oh my! These are just some of the many different types of group health insurance options on the market. While it’s good to have options, having so ...
Medicare provides peace of mind. It’s great to know that it’ll be there after you retire and no longer have employer-based health insurance. But Medicare Part B only pays for 80% of your medical c...
There are lots of ways to spread the word about your business, from advertising to word of mouth to social media marketing. All of these things help to get your name out there, and tell people that yo...
No two businesses are exactly alike. No two business insurance policies are alike either. If you’ve been comparing insurance plans, you know exactly how true that is. You might be wondering why your...
Health insurance is worth the cost. Paying your monthly premiums can mean the difference between having your medical emergencies or chronic conditions covered, or being hit with huge medical bills and...
Colorectal cancer is the second leading cause of cancer-related deaths in men and women in the U.S. It is estimated that about 1 in 20 people will be diagnosed with colorectal cancer in their lifetime...
Over the past few weeks, coronavirus has been surging in almost every state, forcing two states to order refrigerated trucks for storing bodies, many states to shut back down, and some to begin consid...
Most of us are looking for ways to make our bodies healthier. In fact, over 80% of us take vitamins and supplements every day. But the secret to health might not be in a pill, it might be in the foods...
Ah, weekends. For many of us, weekends are a chance to decompress after a long week at work by doing something that feeds our souls. But what about feeding yourself? Weekends are perfect for brunching...
Crisis can hit any small business at any time. Unforeseen circumstances, such as the recent pandemic, can force businesses to temporarily close their doors, leaving their owners wondering how to stay ...
The coronavirus hit America hard, forcing much of the country to shut down in mid-March. Schools closed their doors for the remainder of the 2019-2020 school year, and children were forced to continue...
Setting goals for yourself and your business is always a great idea, but some goals are better than others. It’s not enough to have good intentions for a positive end result, you need to be able to ...
Mental illness does not discriminate. It affects people of all ages, genders, ethnicities, and socio-economic classes. Health insurance claims for the treatment of depression, anxiety, and other menta...
So, you’ve decided to take the plunge and start a small business. Congratulations! You’re in good company. As we saw with the recent pandemic, many people have left the traditional 9-to-5 pursue a...
A recent national survey found that the number 1 way to attract people is with a beautiful smile. But having a healthy mouth is about more than flashing your pearly whites to impress others. Current r...
Insurance companies are businesses, and, like most businesses, they have terms and conditions of service. It is possible for your health insurance to legally drop you, but only under certain circumsta...
Summer isn’t all fun in the sun. There is a dangerous threat lurking in those UV rays so many of us love to soak up! While exposure to UV radiation makes your skin tan, it also puts you at risk for ...
How well do you really know your customers? How well do you really know what they want, and do you really know how you can provide the best possible service to them? If these questions have you scratc...
Going through a divorce can be one of the most stressful and emotional experiences in someone’s life. Not only are you losing your partner and the dreams you shared, but also your sense of normalcy ...
There may come a time in many seniors’ lives when they require emergency hospitalization. The hospital provides the necessary treatment, then they might send the patient to a nursing care facility f...
Throughout our lives there may be times when we experience a profound sense of loneliness or isolation. For many people, loneliness will increase as we age. According to AARP (formerly the American As...
Owning your own business can be a liability landmine. Just one mistake can mean the end of the business that you’ve invested so much time and money in. The biggest mistake you can make is not having...
Claims-made. Occurrence policy. Coverage trigger. It can feel like commercial insurance has its own foreign language sometimes. But don’t worry, all of these terms can be broken down into plain Engl...
Any way you look at it, offering health insurance to your employees is a good thing to do. Not only does a healthcare plan keep your employees healthy and protect them from huge medical bills, but stu...
As you age, your likelihood of developing cataracts increases. About 30% of Americans 65 and older have some kind of vision impairment from cataracts, and for those over 80, that number jumps to 50%. ...
Yoga is an ancient practice that marries breath and movement to create strength, flexibility, and peace in the mind and body. Despite the fact that it originated in Northern India over 5,000 years ago...
Large breasts. Some women long to have them, some women love theirs, and others want to get rid of them. They are great food shelves, but they come with some major downsides. This includes the inabili...
We live in a time of technology. Many people own multiple portable devices that allow them to access videos and communicate with anyone, anytime. Recent stay-at-home orders have meant that people are ...
It’s time to settle something once and for all. Are all types of liability insurance created equally? The quickest answer is, of course, no. General liability covers the physical damage that we ofte...
LLC and INC. These letters stand for two ways to designate your business as an entity separate from yourself. “LLC” stands for “Limited Liability Company”, and “Inc.” or “corp.” refers...
There are a lot of diet trends out there: the fruit and veggie-heavy Mediterranean, raw-food paleo, and the blue zones diet, to name a few. It seems like diet fads go in and out of fashion rapidly, bu...
The world of health insurance can be intimidating. There are so many industry terms, as well as different types of plans with different coverage options and prices. Doing all of the necessary research...
According to Ebony Underwood, founder and CEO of the organization We Got Us Now, there is an “invisible population” that is being traumatized by the prison system in the United States. She’s not...
It is an unfortunate fact that, with recent events, we have seen unemployment numbers in the U.S. soar to an all-time high. And, because our healthcare system often ties coverage to employment, there ...
Thanks to social media, connection and communication has never been easier. Companies are building personalized relationships with clients through social media platforms, using online marketing strate...
Summer is here! And not only is it time for fun in the sun, but it’s also the season for snacking on chips and dips, hot dogs, burgers, and ice cream. All of these treats are okay in moderation, but...
America is reopening and everyone is adjusting to the “new normal.” This new normal consists of businesses being open, but with people still being required to follow social distancing rules and we...
The cost of health insurance is not one size fits all. If you’re healthy, under 30, and facing financial hardship, you could have some cheaper options available to you. For people in these categorie...
With the arrival of summer, temperatures are beginning to rise - and so is energy consumption. With concerns over climate change continuing to grow, now is a great time to focus on environmental con...
Multiple researchers and weather organizations are predicting a more than usually active hurricane season this year. According to noted forecasters at Colorado State University, we could see 16 named ...
Retirement. A simple word that has so much meaning to it. You have been working your whole life looking forward to the day you no longer have to work. Now that the time has finally come, you can begin...
Take a look around you - what do you see? Maybe you see friends and neighbors chatting outside, a flourishing garden, a beautiful sunset, or a clear blue sky. Our sense of sight is one of the things t...
Businesses in some parts of the country are finally up and running again, but things aren’t going smoothly. Some states are seeing the beginning of a second wave of the coronavirus, and the U.S. has...
Most of us are walking around with some pretty powerful cameras right in our pockets. The camera capacities on iPhones have improved greatly in the last few years, so much so that they can almost comp...
Workers’ compensation insurance is designed to financially protect both you and your employees in case an accident or injury occurs on the job. It’s not just a good idea to have workers’ comp, i...
High deductible health plans are rising in popularity, with more companies offering them and even more people purchasing them individually. These plans definitely have benefits, like their lower premi...
The Covid-19 pandemic has changed the way industries function and reshaped our economic landscape - possibly for years to come. Thousands of businesses have been impacted by stay-at-home orders, and s...
Did you know that 56% of employees would prefer health insurance over an increase in pay? Offering health insurance also means recruiting the best candidate for a job - most job seekers will not look ...
Health insurance is expensive. And frustrating. Especially if you’re someone who is self-employed and does not have any employees. Until recently, if you were in this boat, then you were stuck getti...
The Medicare for All debate is full of disagreements between politicians in regards to it’s future. Some Democrats advocate for the single-payer healthcare system that would eliminate private health...
When it comes to choosing a way to provide healthcare coverage for your employees, there are a lot of letters that get thrown around: HDHP, HSA, HRA, ICHRA, QSEHRA, and SHOP. Even if you’re not tota...
States all over the country have begun transitioning to the yellow phase, allowing businesses to reopen. With businesses opening people are finally able to return to work resulting in a drop in unempl...
In the dog days of summer, the last thing you want to do is come home and cook dinner. Sweating next to a hot stove, or having the oven turn the house into an inferno can seem like a very unappealing ...
Providing healthcare for employees is expensive, and, as an employer, you take on most of the cost. In fact, employers pay an average of 82% of the cost of employees’ premiums, which can add up fast...
We live in a culture that glorifies being busy and taking on as many tasks as possible. Multitasking is not just a way to get a few things done, it is considered a valuable skill to be listed on resum...
If you’re about to turn 65, then you have a lot to look forward to, including finally being able to take advantage of the Medicare benefits that you’ve worked so long for. You probably already kno...
The relationship you have with your doctor is an extremely important one. If you have established a great relationship with your doctor, then consider yourself lucky. Unfortunately though, not all doc...
Although many had hoped that the coronavirus crisis would begin to improve as summer approached, the CDC is predicting otherwise, and is forecasting more deaths for June. However, some states have alr...
If you are unhappy with your current health insurance policy, then it might be time to shop for a different plan. But can you purchase a new plan at any time? Yes, and no. For marketplace plans, once ...
Picture it: a glistening pool reflecting a clear blue sky, a warm, sun-soaked towel, and a glass of ice cold lemonade. Spending time by the pool is a great way to pass the hours on a summer day. It’...
This year it was out with the old and in with the new for Medicare. Out went Medicare Supplement Plan F and High Deductible Plan F, but in came High Deductible Plan G.
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Now that you are 65 and enrolled in Medicare, you might find that you want a Medicare Supplement Plan to pay for the coverage gaps in Original Medicare. The first thing you need to do when deciding on...
You’re not starting any ordinary small business. You’re building a startup. Your goal is to grow and, in order to do this, you not only need a solid business plan, but also protection for everythi...
It’s summertime, and for many of us that means hot, lazy days, dripping popsicles, and epic meltdowns when it comes time to tackle summer homework packets and reading lists. This is the plight of so...
No responsible business owner should ever be without workers comp coverage. You are required to protect your employees against the financial losses that can come from a workplace injury, as well as to...
The summer solstice, which falls this year on June 20th, marks the beginning of the summer season. This day is also the longest of the year, giving us around 15 hours of daylight. With the return of t...
President Trump notes ‘very sad milestone’ after U.S. coronavirus death toll surpasses 100,000- the highest number of any country. Parts of all 50 states have begun to reopen in phases, causing a ...
With warmer weather comes more opportunities to bask in the sun. Remember, though, that it’s important to protect your skin while soaking up that vitamin D. This is especially true for older adults....
We’ve come a long way in a short time towards protecting the rights of the LGBTQ+ community. In the last decade we’ve seen states outlawing conversion therapy for minors, banning biased coverage e...
https://youtu.be/sxn18pmCpmc
Health insurance plans are complicated, and it can be hard to understand the ins and outs of what each plan has to offer. One of the things that you need to look at whe...
When you enroll in Medicare, you might find there are things you don’t love about it, like the out-of-pocket expenses of Part B or the lack of dental, vision, and prescription coverage. However, des...
There are any number of opinions on which diets are best to follow. Some people believe that a vegan lifestyle is necessary for optimal health, while others think a caveman’s diet fulfills our omniv...
If your business is run out of an office, a shop, or any other physical location, then you already have property insurance to protect yourself against the unexpected, right? Fire or theft are very rea...
No matter what kind of business you run, cybercrime is always a threat. But there are some very scary statistics surrounding cybercrime attacks in regards to small businesses: according to the 2018 Ve...
https://youtu.be/WoDIdoOSWx0
Having health insurance is the best way to help keep healthcare costs manageable. When you are signed up for a health insurance plan, you have the peace of knowing that...
The coronavirus crisis continued in our country this week, but the focus of many people’s attention was the battle over when to reopen states and businesses. The federal stay-at-home order expired a...
We live in an age of digital connection. Many companies use online marketing strategies to engage with consumers, promote events and sales, and manage customer service. For business owners, an active ...
