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...
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 ...
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 ...
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,...
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’...
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 ...
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...
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...
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...
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 ...
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...
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 ...
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 ...
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...
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...
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...
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...
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 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 ...
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 ...
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...
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...
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...
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...
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/iAjLAfFym2oStarting 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_LEo0voojAHMO, 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. [caption id="attachment_540...
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/sxn18pmCpmcHealth 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/WoDIdoOSWx0Having 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 ...
There are different ways that diseases can be transmitted between people. Some can travel through the air and can infect anyone who breathes it in. These diseases are called airborne diseases. Airborn...
Medicare processes millions of claims each year, and some of them get denied. There can be any number of reasons why claims are denied, ranging from issues with billing codes to not meeting eligibilit...
2020 will bring more health insurance options for people in counties that have previously had few choices. This fall open enrollment period, people shopping in the ACA Marketplace will find about 60% ...
When we pay for health insurance, we want to know that our money is going where it should be going. Contributing to premiums can be expensive, and until recently, we’ve had to trust that insurance c...
Most small business owners will tell you that owning your own business is well worth the effort. However, they will also tell you that it’s no walk in the park. Many people don’t understand the wo...
https://youtu.be/3DUsIqmhBkMCommercial insurance is all about managing risk. You know that you need to protect your business against lawsuits, for example if someone injures themselves on company ...
The number of cases and deaths from coronavirus continued to climb this week, with new confirmed cases surging to around 200,000 a day. Because of the rapid increase in new cases, a draft government r...
If you run a small business, odds are you’re on a tight budget. But you’re still looking to recruit and keep the best employees. So you may have to make choices when it comes to the compensation y...
https://youtu.be/5BYvXfAZb0ILooking out for your employees’ health can mean looking out for your bottom line. You’ve probably heard how huge companies like Google and Microsoft offer unbelieva...
Nutrition experts suggest that seniors eat more fresh fruits and vegetables, with most recommending 5 or more servings a day. Making produce the main building-block of your snacks and meals is a smart...
Enrolling in Medicare can be overwhelming. In addition to all of the new terms that you will need to learn, you will also need to learn about what is covered and how much you will pay for different se...
Climate change is one of the biggest threats facing our world today. While some celebrities have made themselves the faces of the climate change movement, there are many unsung heroes working everyday...
The coronavirus pandemic continues to affect the United States, with confirmed cases passing 1 million and deaths passing the 60,000 mark. This week, however, brought intensified talk about reopening ...
Americans are some of the most stressed-out people in the world. A whopping 55% of Americans report high stress levels, compared to the global average of 35%. Many people have adopted a “busy is bes...
Celery juice is today’s latest fitness trend. Fitness bloggers and celebrities are raving about this “miracle juice,” and are taking over instagram with artfully displayed glasses of grass-gre...
Most recently, if you’d gone looking for Terence Lester, you’d have found him on the streets of Atlanta, setting up portable hand washing stations. These sinks, which are sanitized and refilled ea...
Coral reefs are home to 25% of the ocean’s marine life. These fragile ecosystems are actually living creatures and are being irreparably damaged at an alarming rate. Over 35% of the world’s reefs ...
When many seniors enroll in Medicare , they find that the cost of Part B bills are more than they expected them to be. Luckily, there are a lot of options for Medicare Supplement Plans to help with th...
Got cabin fever? Bored being stuck with your family all day? We get it, but being quarantined with kids does not mean you have to suffer. While it can be challenging to find things to do around the ho...
With 62,603 deaths in America from the Coronavirus as of April 30th, it doesn’t feel as if the situation in our country is improving. However, the stay-at-home orders and social distancing measures ...
You have probably noticed throughout your life that taxes are being taken from your paycheck, most notably FICA (Federal Insurance Contributions Act). The FICA tax is what you pay towards Social Secur...
Are you over 65, working, and on your employer’s insurance? Are you looking into enrolling in Medicare as well? You can have both employer-based health insurance and Medicare at the same time, as lo...
As a business owner, much of the work falls on your shoulders. From employee supervision to navigating the customer experience, you’re doing a lot for other people every day. It can become hard to k...
The cost of health care continues to rise every year, making it harder for many people to afford their medical bills. Data collected over the years shows that doctor visits for people under 65 years o...
Though some still find it controversial, medical marijuana is now legal in 33 states and the District of Columbia. Doctors may prescribe it for the treatment of (or relief of symptoms of) conditions...
https://youtu.be/XgFQFasGdHISome people are unaware of all the tax deductions available to them, and might be missing out on great tax-savings opportunities. Remember, the more you can deduct, t...
The time has come and you have decided that you want to part ways with your health insurance plan. But can you actually cancel your policy? To answer the question, yes and no. You can cancel your heal...
Spring is a time to refresh, and what better place to start than your home? Here are 10 spring cleaning projects you can do with just 10 minutes of free time. So turn on some music, open the windows t...
Having indoor plants can bring life and color to a room. Plants help improve air quality and can boost productivity, focus, and attitude. But what to do if you’re horticulturally challenged? Luckily...
As of April 14, total global deaths from Coronavirus have surpassed 100,000, with the U.S. accounting for about 31,000. Also on April 14, President Trump decided to halt funding to the World Health Or...
https://youtu.be/mzTRq0mTAXMSo you’re a small business and want to offer your employees some sort of healthcare coverage? Bravo! You’ve made the easy decision to take care of your employees, b...
Silver or gold? If given the option, which would you choose? You’d probably be tempted to immediately answer gold. But when it comes to group health insurance, it’s not that easy. It turns out tha...
In honor of World Red Cross Day (5/8) and International Nurse Appreciation Day (5/12), we want to highlight the innumerable benefits and (relatively!) painless process of giving blood. To locate a blo...
Remember just a few short months ago when it was dark by 5pm? In the depths of winter, the days can seem to stretch on forever, and it sometimes feels like crawling into bed immediately after dinner i...
Bone health is not something that people often think about. But they should: our bones support safe and easy movement and protect our internal organs. Bone health becomes even more critical as we age:...
What comes to mind when you hear the term “cafeteria plan”? Lunch! Well, these plans have nothing to do with what’s on the menu. “Cafeteria plan” is the informal name for Section 125 of the ...
According to the CDC, as of April 8, 48 U.S. states and 1 U.S. territory have reported some community spread of the coronavirus. Of these states, New York has the most confirmed cases and has seen 7...
Yoga has many benefits for the mind, body, and soul. It can strengthen muscles and enhance flexibility while also encouraging mindfulness, patience, and acceptance. Yoga comes in many different forms,...
72 million. According to a survey from The Commonwealth Fund, that is the number of working-age Americans who deal with medical debt. In 2019, over half of bankruptcies that were filed in the U.S. wer...
https://youtu.be/luMLucAOgicEvery year, the U.S. suffers on average $8-10 billion dollars in damages from freshwater flooding. Massive storms in August 2016 pushed that number to around $15 billio...
We live in an age of digital connection. Many brands and companies use online marketing strategies to engage with consumers, to market events and sales, and even to manage customer service. For busine...
They’re focused and driven; they’ve been featured on the news and they’ve won the President’s Volunteer Service Award. And they’re not even old enough to vote.
Twins That Did Good
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Many businesses choose to use their brand and reach to positively impact their community. One way they do this is by forming partnerships with local nonprofits. Partnering with organizations that have...
On March 6,2020, Congress signed the Coronavirus Preparedness and Response Supplemental Appropriations Act, which provides emergency relief to the nation during the current COVID-19 health emergency. ...
So you’re living the dream, you are the boss of your own home-based business. You’re not alone. According to the National Bureau of Labor Statistics, a whopping 3 out of 10 homeowners in the U.S. ...
Protecting Americans and their health is a high priority, especially now during the COVID-19 pandemic. In order to help keep Americans safe, major health insurance providers are waiving copayments and...
Health insurance can be quite expensive, leaving individuals and families stressed due to medical costs. Over the years, health insurance rates have been slowly increasing, and this year is unfortun...
As millions of Americans lose their jobs due to the coronavirus crisis, they also find themselves without health insurance coverage. According to a report by FOX Business unemployment claims have hit ...
When people think of the word vaccines, they often think of babies and young kids. While immunizations are important for children, they are just as important for seniors. Older adults should get vacci...
As everyone is now aware, we are currently in the middle of a global pandemic. This week, Italy recorded its lowest death toll since the beginning of the outbreak, but other countries, including the U...
Have you ever hit a roadblock when working on a project, and felt like you just couldn’t work on it for one second longer? For some of us, that’s due to procrastination: feeling like we need to ra...
It is one of the most dreaded words that someone can hear at the doctor’s office: cancer. When facing a diagnosis of this disease, a lot of people's minds will race as they begin to worry about trea...
https://youtu.be/MtLcBhjk19ELosing a job is not easy. You lose the money that paid your bills, and you lose the health insurance that protected you and your family’s health. But you do not have ...
Looking for Medicare quotes? Did you use Medicare’s Plan Finder Tool on their site, Medicare.gov? If so, you could’ve been given the wrong information, which could be costing you hundreds of dolla...
By now most people have heard of Marie Kondo’s method of “sparking joy.” She suggests that in order to declutter and organize your home, you must first pay attention to the details of the object...
Before President Trump was elected, one of his campaign promises to Americans was that he would not touch Medicare or Social Security. He has now proposed a budget plan for Medicare, which he claims w...
“Pandemic” seems to be the word on every one’s lips these days. Recent events, as well as our modern world’s reliance on global travel and trade, have made many think about the risk of illness...
April showers bring… May allergies. Spring is my favorite season by far, but unfortunately the joy I find in blooming flowers and budding trees is marred by the runny noses, burning eyes, and other ...
https://youtu.be/tpb2P6osirgEver work with a company and feel like they are doing the bare minimum? We have been there, which is why EZ.Insure goes out of our way to make sure our customers come f...
https://youtu.be/AdiuEzau6rINothing is worse than having to constantly search for insurance plans on different sites. All the back and forth is not only time consuming, but it can be frustrating. ...
https://youtu.be/Sf-UH1h32twTelemarketers. The continuous, pesky monsters that call at all times of the day asking if you are in need of assistance. Generally they start calling right around the t...
https://youtu.be/tU2SNlpJr8sInsurance is a complex thing. When the time comes to pick the best plan, you want to make sure you know that you chose the one that meets your needs and budget. Doing t...
Previously, if Americans did not have health insurance, they would face a penalty, or tax, called the individual mandate penalty. Thanks to the Tax Cuts and Jobs Act, the penalty no longer exists. How...
Have you ever gotten the feeling that there isn’t much good left in the world? Or that there’s nothing you can do to make a difference and you don’t have enough to offer? Well, Adam Theroux, fou...
https://youtu.be/UmCe0ytrmaoIf you offer health insurance to your employees, it can be costly, but luckily there is a silver lining- the small business health care tax credit! One of the provision...
Many people wonder if Humana and Medicare are the same. Simply put, no. Medicare is a government administered health insurance program, and Humana is one of the largest private insurance companies. Pe...
If you are turning 65 soon you might be looking for information on your Medicare eligibility, and what exactly having Medicare means. Medicare provides insurance to seniors under plans known as Part...
Group health plan, and group health insurance plan. These two words are used interchangeably, because they are almost the same thing. Almost. There are some key differences between the two. One is act...
Approximately 1 in 5 older adults suffer from a mental disorder. Declining health issues bring on these kinds of challenges that require medical attention. It is important to know if the services that...
There are many terms in health insurance that you need to understand. Some include deductibles, premiums, copays, and coinsurance. A lot of people confuse copay and coinsurance and think that when the...
Cigna, and small startup insurance company Oscar are teaming to begin offering small business health insurance options that are fully insured. The plans will be branded as Cigna + Oscar, and both comp...
https://youtu.be/8t1gXzOXWoQNothing beats being your own boss! If you are self-employed, then you are probably wondering about your health insurance options. Don’t worry, you do not have to brea...
Medical costs in the U.S. are high, which is why a lot of employees look for a job that offers health insurance. Over 88% of people consider health insurance benefits when choosing a job. For companie...
There are an array of health insurance plans to choose from, and it can be difficult to choose the one that meets your exact needs and budget. If you are healthy, then considering a catastrophic healt...
When dealing with an illness or disability that leads to the assistance of durable medical equipment such as an adjustable bed. Questions come up, mainly how much they are, and if the costs of these b...
If you are enrolling in your employer’s health insurance, you might have some questions regarding which kind of plan to choose. Your employer might offer a high deductible plan, in which you can sig...
Accidents happen. If an employee gets hurt at work, not only can you lose a lot of money in a lawsuit, but you can lose your business as well. The best way to protect yourself is with a Workers’ Com...
Medical life alert systems were created to help older adults in the unfortunate event of a fall, or a medical emergency. Generally, these alert devices are worn around the neck or on the wrist, so tha...
https://youtu.be/s0eSB-CQ9ywWhen a person is eligible for benefits under two health insurance plans, it is called Coordination of Benefits. Suppose you start a new job, but do not want to necessar...
Intermittent fasting has become a popular trend over the past couple of years. Why? Well it has so many benefits, such as helping shed extra pounds, improving health, and helping you live longer! Cont...
Too much of anything can be a bad thing, even something that's good for you like water! We are told by doctors and nutritionists that we should be drinking at least 8 cups of water a day. This has bee...
As you age, being fit is more important than ever in order to stay healthy, and enhance your overall quality of life. Going to the gym is beneficial in order to build muscle and hop on the treadmill t...
After having sex with someone new, whether you use protection or not, sometimes your mind will begin to think and fear the possibility of an STI. STIs such as chlamydia, HPV, herpes, and gonorrhea are...
Did you know that a balanced pH level of a vagina is between 3.8 and 4.5? When pH levels are not in this range, bacteria can thrive, and cause different infections, such as a urinary tract infection, ...
In the past, when you would have surgery, you were most likely to spend a couple of days recovering in the hospital. As medicine advanced, people are now able to have their gallbladder removed and be ...
Choosing a health insurance company and plan can be complicated, and very time consuming. Companies and the plans they offer vary state by state. When it is time to start researching companies and pla...
Medicare normally kicks in when you turn 65. You can enroll 3 months before you turn 65, the month you turn 65, and three months after the month you turn 65. While it is mandatory to enroll when you t...
The federal government designed a tool to help seniors navigate through all their possible Medicare choices. This was created for them to be able to choose their best option. There have been some bugs...
https://youtu.be/FXWGff0VoaoThe time has come, and you find yourself in need of a new insurance plan. A sense of anxiety sets in, and you slowly become overwhelmed with researching. When shopping ...
Medicare is a federal health insurance program for people who are 65 and older. Medicare works within a network of doctors to provide beneficiaries, like yourself, with proper care. However, sometimes...
https://youtu.be/rAku2_Vc9ZwIf you get sick or have an accident, then it’s finally time to ask for assistance from your health insurance company. It’s important to file your claim the right wa...
In the past, when a person had hemophilia, it meant they had a very short life expectancy, around 20-30 years. Thanks to research, over the past 7 decades, the life expectancy has increased almost 10-...
https://youtu.be/vjFj1Irq4j8 You worked hard to create your business, building it from the ground up, research, elbow grease, and, of course, capital.A simple mistake can happen, and ...
Medicare and Medicaid are two government-run health care programs. The two programs sound similar, but they are far from it. They serve different people, and are both operated and funded by different ...
Searching for the perfect plan can take a long time, and sometimes the search is never-ending. After some time, or due to time constraints, people will just settle with something to end the frustratio...
If you want to increase longevity, research suggests optimism could be the cheat code. A new study finds that people who are optimistic and have a cheerful outlook on life are more likely to live abou...
https://youtu.be/C90QrwZ0FaQHealth insurance is complex. With a variety of coverage options offered by dozens of insurance companies, shopping for a new policy can go from a chore to overwhelming ...
When the fall open enrollment begins, it’s time to think about different insurance options that will best suit your budget and needs. You might choose to enroll in a health savings account (HSA) or ...
When you sign up for a health insurance plan, there are fees that accompany the policy. These fees are premiums, copays, and deductibles. While copays aren’t cheap, the deductible and monthly premiu...
Bowel movements are a regular part of healthy digestion, it is the way our body removes waste. After you eat a meal, your body will take the vitamins and nutrients from the food, and then get rid of t...
Insurance is a huge part of our daily lives, and when you get a new plan you are flooded with forms and contracts. But do you really know what all the forms are and what they mean? One form, the most ...
Small business owners know the value of covering their employees. After all, everyone gets sick at some point. If you support your team’s wellness, you make a stronger team.You might also see th...
https://youtu.be/bxJy0HWNuDoIf you’re purchasing or renewing group health coverage, then you’ll need a comprehensive look at what changes are coming in 2020. The ACA is updated every year, so ...
As a small business owner, you might find yourself in a situation where canceling your policy is the best solution. This comes from a variety of reasons: you have a better policy offer elsewhere, chan...
https://youtu.be/8TUBkG2mAEUSo, you’ve successfully got your business up and running, you got all of your finances in check, and now you’ve searched for a quote with EZ.Insure’s quote engine...
https://youtu.be/HecKw0Z8l7AYour doctor is one of the most important people in your life, so choosing the right primary care physician (PCP) is a big decision. The doctor, and by extension the cli...
In your circulatory system, blood pressure is the force of blood moving through your veins. It carries oxygen-rich cells to all parts of your body.When you get your blood pressure checked, they...
A new transparency rule is coming, pushed forward by the current administration. It is focused on your health insurance, and how much information is revealed to you.With health insurance, you defi...
Once you sign up for a health insurance plan, you are immediately expected to start monthly premium payments. Then, if you incur medical expenses such as lab work, you are expected to pay these expens...
Intermittent fasting is a hot trend. Going 16-18 hours a day without consuming any calories does not sound that easy, but it can be. Recent studies show that there are long-term benefits to intermitte...
It’s no secret that the internet is changing the way society interacts. This goes from social media affecting our relationships and the way we view each other, to the rising rates of cybercrime on t...
If you have Medicare, you probably already know that you aren’t covered for dental or vision under the program. That is unless you purchase additional coverage through Advantage or standalone polici...
Despite pushes for change in Congress, it looks like the ACA is still at the top of the list for people. With solid medical benefits and cheaper premiums, this controversial program will keep people c...
Worker’s compensation works to provide security for both the employer and employee, and it’s mandatory for this reason. With the average claim costing about $40,000, it only makes sense that emplo...
The business world is filled with lawsuits nowadays, and protecting yourself is a key skill for staying afloat. The average lawsuit a small business faces (across the country) can be in the tens of th...
When you are in the market for health insurance, you will come across two popular terms: PPO and HMO. Health Maintenance Organization(HMO) and Preferred Provider Organization(PPO). These are two of th...
A dress that you can wear to a wedding, the office, and running errands? Yes, please! It fits everyone, and every occasion!After doing some research, we have found the dress--the perfect garment t...
The future is now. We’re researching virtual reality, nanobots for health, and can even talk to coma patients without the use of invasive surgery. With all these advancements, our world is going t...
https://youtu.be/b0ill1okyWMCompetition between insurance companies is fierce. While some offer tempting deals, hooked discounts, or otherwise, others will make unfounded claims that they’re the...
Medicare provides seniors with the necessary care they need. However, this is not the case when it comes to dental coverage. People 60 years old, and older often face dental issues. At least 20% of th...
https://youtu.be/c1RKVXLr0BEDo you know about Health Savings Accounts (HSAs)? According to surveys, about half of Americans have no idea what they are, or what to use them for. This situation isn...
Imagine opening up a hospital bill for last month’s procedure, and it’s way more than you expected. You don’t understand why it is so high, especially since it was within your network coverage. ...
Getting older means dealing with things like menopause, gray hairs, and wrinkles. As we age, our skin loses elasticity and collagen. The loss of these two proteins causes the skin to look saggy and le...
A new year means new rates. This is especially true for health insurance, and more so in the state of Pennsylvania. The ACA Marketplace individual plan costs are going up for PA next year by 4%, accor...
https://youtu.be/YG5LYZJlb7oWhen it comes to health insurance, people typically hold off on getting it until they need it. Health insurance can be quite expensive, which is why many healthy people...
Bone broth or liquid gold?Drinking bone broth offers many health benefits. Want a better digestive system? Drink some bone broth. Something to help ease the joint pain? Drink bone broth! When adde...
With all the recent catastrophes (and just plain old inflation), we’ve been watching insurance costs rise across the board. Higher deductibles are something even low-risk individuals are seeing. Unf...
Like most businesses, the insurance world can’t avoid stepping on any toes, especially when it comes to “campaign contributions,” a sticky subject in and of itself. The concept is simple enough....
Governor Charlie Baker of Massachusetts ordered a new probe into the health insurance market. Under executive order 589, the new Merged Market Advisory Council will gather and verify information about...
When you start a new job, you might be offered group health insurance. Employer health insurance is usually cheaper than an individual plan, which is why an attractive benefits plan is such a big deal...
Health insurance doesn’t cover everything--a bitter pill to swallow considering how expensive it is. While we can’t control which services are covered (or how much to pay for them), we can underst...
https://youtu.be/sAbWkHTcDj0The moment you go online, websites collect your information. This is especially true when you volunteer it for applications. It’s almost unavoidable when you want to ...
https://youtu.be/j9F7UH3MpYgThe time has come to research insurance plans, whether Medicare, health, group, or commercial insurance. There is a ton of information on each type, and so many differe...
With all of the recent talk and debates about “Medicare For All”, President Trump has decided to take action. In October, Trump signed an executive order while visiting Florida, pertaining to the ...
Studies answer this question with a tentative “for now.”Group health is the best option for the majority of Americans, with over 100 million covered. People list insurance coverage as a top pr...
https://youtu.be/oj0OJidfCDsWhen it comes to getting insurance, all companies are the same right? Wrong. When we started EZ.Insure, we were sick and tired of watching people struggle with other co...
If you live in the Seattle area, you might have seen that Group Health Cooperative (GHC) is under investigation. The nonprofit health insurance company allegedly took advantage of Medicare’s system,...
Hot flashes. Mood changes. Chills. Slowed metabolism. And worst of all, vaginal dryness. These are just some of the symptoms that accompany menopause.When the time comes, menopause will be a new p...
Everyone’s worst nightmare is losing their home. As you get older, you might find yourself needing extra care, thus moving into a nursing care facility. These facilities are not cheap, and you will ...
When getting a Group health insurance policy companies understand that people are going to sign up for what they need now, and employees’ needs can often change. Maybe there is a new baby on the w...
Group health insurance plans are necessary, but paying high premiums is a pain. 2018 saw an average yearly payment of $5,711 for an employer. However, there are ways to reduce the amount you pay f...
[caption id="attachment_3768" align="alignright" width="262"] Many traditions celebrate differently, so why not try something new this season?[/caption]We’ve all heard of a “Yu...
Many people think that HIV and AIDS are the same things, using the two words interchangeably. While they are connected, they are two distinct illnesses. [caption id="attachment_3787" al...
Open enrollment is defined as a period of time when an employee join your group health plan or make changes to their existing policy. If you have a Group Health policy, which you should if your busi...
Both Medicare and Commercial Insurance have their strengths when it comes to coverage. In this time of debate over insurance and its costs, it’s more important than ever to know the differences be...
Picture this: you’re on a date with someone--finally, after weeks of texting and phone calls. The date goes well, and you guys hook up. Then, bam! Just when you thought you were ...
Influenza is back again--and the CDC (Center for Disease Control and Prevention) has sky-high estimates for this year. During the 2018-2019 flu season, up to 647,000 people were hospitalized and 61,...
Christmas is the most wonderful time of the year, to some. To others, especially lonely seniors, it is a very depressing time. Some seniors exist in the “assisted living” environment; they canno...
If you are like me, then talking dirty can lead to some cringe-worthy moments. It’s no secret that “dirty talk” is one part of sex that most people, well, talk about.I get it--it’s a...
The holiday season means time for celebrating with those closest to you. Whichever definition you choose, this usually means family--and family stress.Family can be many things and if the mo...
Hearing loss affects one-third of people over the age of 65, and two-thirds of those over 70. Many people who deal with hearing loss refuse a hearing aid, even when their insurance helps pay for it....
You would think with the rise of Human Papillomavirus(HPV) cases, the number of vaccinations would also rise. Unfortunately, this isn’t the case. HPV is the most common STI because people don’t ...
What better time for selflessness than the holidays? And nothing says “selfless” like volunteering. Volunteering can greatly impact your community and make a difference. Not only do you help oth...
Big changes are coming for Medicare next year, affecting your coverage and wallet. Medicare Supplement plans C and F will disappear. Part B premiums and deductibles will rise. And for the first ti...
Climate change has been a hot button issue for a while now, and the debate is only getting worse. While NASA scientists are still working on the culprit, recent disasters have been a direct influenc...
https://youtu.be/rDb9mw2iNXs
If you sell products or provide services, you need professional liability. Your business can only benefit from this coverage. Here, we’ll take a look at what...
“Yesterday, December 7, 1941—a date which will live in infamy—the United States of America was suddenly and deliberately attacked by naval and air forces of the Empire of Japan.” --Franklin ...
When you think of Thanksgiving, many things come to mind, generally turkey, mac and cheese, mashed potatoes, gravy, and green bean casserole to name a few. Very few think of veganism or any sort of Th...
Following the recent democratic debates, Mayor of South Bend, IN, Pete Buttigieg has sparked conversations lately. The democratic debate found disagreements and controversy revolving around healthca...
There was confusion and misinformation regarding the 3-day rule for skilled nursing facility coverage. In order to get the 100 days of skilled nursing coverage from Medicare, the mandate states a bene...
A little bit of kindness goes a long way, even something as simple as a smile. November 13 is World Kindness Day, while you are not obligated to do some large generous act, or even participate at all ...
When a person is diagnosed with lung cancer, the first question asked is “were they a smoker?” The reason is that most people believe you only get lung cancer from smoking cigarettes. Whereas the ...
It is more common for retired seniors to work. Almost 27% of people aged 65-74 are in the workforce, and the projected stats are rising. Some seek extra money, while others do it to pass the time. Whe...
Veganism is slowly taking over the country, and not because it is a “fad.” The countless health benefits it provides have people sharing their stories, and encouraging others to give it a try. Man...
Insurers were given a pass in 2019 by Congress regarding their annual health insurance tax. The reason was that the government was concerned about consumers’ out-of-pocket costs. However, if the ACA...
When people think of an epileptic seizure, they imagine a person convulsing on the ground. This is normally what occurs, but for older adults, that is not the case. Older adults experience seizures su...
Are you satisfied with your current group health policy? Whether you are or not, Senate Bill 86 is going to shake things up. As a business owner, you need to stay up to date with what new legislation ...
The number of people with diabetes has risen from 108 million to 422 million in only 35 years, and the rate of increase is getting worse. Diabetes affects the body’s ability to produce or use insuli...
Fall is here, and scented candles are back on the mantle--unless you’re like me and burn them year-round. While they’re beautiful and fragrant, many candles run upwards of $25. Don’t feel like d...
Chronic obstructive pulmonary disease, COPD, is common with almost 12 million people in the U.S. diagnosed every year. Of those adults who are diagnosed, about 120,000 die from it annually. COPD inclu...
You could be trending on Twitter with #GoingGlobal. International expansion is a bold move for any entrepreneur, but also an incredibly exciting one. It can bring so much to the table.[caption id="a...
Sex is an act that comes in many forms. There is vanilla sex, kinky sex, fetishes, BDSM, and so much more. People learn about sex at a fairly young age, and their knowledge expands as they get older b...
Happy America Recycles Day! November 15th comes around once a year as a reminder to reduce our waste by reusing what we have. Our[caption id="attachment_3531" align="alignright" width="264"] Doesn't...
For American men, prostate cancer is the second most common cancer, and the second most deadly. It is worse for African American men compared to Caucasian men, and any other men of color. There are tr...
It’s Men’s Health Awareness Month, and guess what--a majority of men don’t prioritize their health. As a man working on this, I’ve found this problem stems from a low prioritization of...
In the U.S., 1 in 10 births is premature. Full-term pregnancies last from 39 to 40 weeks. “Preterm labor” is when labor begins earlier than 37 weeks of pregnancy, and can lead to premature birth. ...
No one wants to pay more for insurance, but it is our unfortunate reality. Commercial insurance rates are rising, meaning higher premiums across the board for many businesses. Coverage affected ranges...
https://youtu.be/GOMlt8CKyOQNot convinced small business coverage is worth it? Find out why we think it is.
1. It’s Cake.
As a business owner, your greatest currency is time. So the last thi...
How to Deal with Business Burnout
Picture Kate, our neighborhood baker. Kate unlocks her bakery and walks inside--but there’s an awkward feeling in her chest. She lacks motivation, feels fatigued, a...
If you are a fan of the Golden Girls, then you know that having good friends keeps you going. According to research, this is especially true for “SuperAgers.” SuperAgers are people in their 80s or...
It is a fact that insurance policies have loopholes in them. One loophole is theft exclusion, and it affects most commercial insurance policies, even if the words “theft exclusion” are not present...
Long-distance relationships require a lot of patience and work. Not being able to physically touch the person you love is not easy. Many times it can be extremely hard, but studies show that couples w...
What’s that in the sky? Is it a bird? Is it a plane?[caption id="attachment_3515" align="alignleft" width="237"] Drones are fun, but they can get us into trouble. Like any company vehicle, make su...
Balancing your exercises, counting calories, and staying on track can be overwhelming. It is also time-consuming, which is why people often give up on their fitness plan and goals. Thanks to technolog...
It’s the summer of 2006. I’m in the shower.I decide to give myself a breast exam after learning about it in school.“What is this? Is this a lump?”Panic sets in.It is a lump and pretty ...
Some days are just rough, and can be both hectic and stressful. We’ve all been there; you snooze your alarm one too many times and end up late for work. Worse yet, there is traffic on the way, and y...
Many women find it hard to achieve orgasm. Because of this, some women fake an orgasm when they are with their partner. In fact, a 2010 study found that over 50% of women reported “faking it” duri...
Manipulation is hard to spot and practiced manipulators prey on your good intentions. It is especially hard for people to recognize it when they are in a romantic relationship. Manipulators will twist...
Medicare does not typically cover acupuncture or chiropractic care for seniors. If you do decide to take any of these treatments, then you will be responsible for 100% of the costs. With the price tag...
“The Talk.”The one talk that every parent dreads having with their child: sex. Too many parents do not know when the appropriate age is to start sexual education. The more curious your kids are,...
While it isn’t Christmas or Halloween, we can still appreciate Make a Difference Day, a national day set aside for observing togetherness. Every fourth Saturday in October is dedicated to this idea....
Coffee is one of the most popular drinks in the world and has been for a while. It gives you a boost when you first wake up, the smell is satisfying, and it tastes delicious. In the past, negative asp...
Do you know the funeral industry lies? Death is something ultimately brushed under the rug, especially the care we take to remove it from our daily lives. We rarely see bodies in any public place, unl...
By now, you have most likely have heard of people sending pictures of their feet for money. It might seem odd to some people, but for those on the receiving end of those pictures, it is invigorating. ...
Seeking for advice for your new business? EZ.Insure provides not only ease with insurance, but also these simple guides. Reading them should arm you with the knowledge you’ll need to navigate the bu...
For some people, Halloween is the best day of the year. It is filled with horror movies, spooky decorations, costumes, and plenty of candy. The bountiful candy is delicious, but it is important to pra...
You might think that working from home means you do not need freelance commercial insurance, but that couldn’t be further from the truth. Even though you work for yourself and might not be in a ‘t...
Almost every parent with an extremely energetic child has thought it: is my child just super energetic, or do they have Attention Deficit Hyperactivity Disorder(ADHD)? The number of children diagnosed...
With the current health reimbursement arrangements, the new HRA changes might be welcomed, especially if you're saving money this year. It can be hard to keep your employees covered, especially for sm...
Finding love at any age can be difficult, but the older you get, the more difficult it becomes. Whether you have faced the loss of your spouse, or divorce, getting back out there is not easy. You may ...
Starting a garden? You must start composting. The best thing you can do is provide a rich, nutritious soil for your plants. Anything you grow will come out healthier, more vibrant, and in the case of ...
Suicide is often associated with young people, but it is in fact much more common among seniors. The suicide risk increases with age, and is unfortunately hard to estimate the exact number due to “s...
Millions of women with polycystic ovary syndrome do not know they have it. The reason is that the signs and symptoms are considered normal issues among women, so it is overlooked. Skipping a period or...
AFib, known as Atrial Fibrillation, is an irregular heartbeat that can lead to stroke, heart failure, blood clots, and other heart issues. Almost 3 million Americans live with AFib. The condition is g...
Cannabis, also known as medical marijuana, has been growing in popularity and is even being legalized in numerous states around the U.S. Cannabidiol, or CBD oil, is the non-psychoactive chemical found...
Finding a cure for Alzheimer’s has been a battle for scientists and researchers for years. Researchers even created a game that people can play to help detect early stages of Alzheimer’s. There ha...
Beautiful skin can make anyone feel like royalty. Yet for some, a solid skin care routine is hard to manage. We all want to minimize fines lines and clear up acne. But are the most expensive skincare ...
Head lice are common among children aged 3-11. These pesky mites are everywhere, and it does not matter the demographic, whether rich or poor. It even infests the cleanest of heads, which they actuall...
[caption id="attachment_3228" align="alignright" width="205"] The rate of STIs has been steadily increasing in recent years. This is probably due to the fact that people avoid the topic.[/caption]In...
Insurance costs can surprise you, and purchasing policies for your company can run into stormy waters. With a good understanding of the costs and ways to save money, you can sail your company’s ship...
Sometimes during sex, things do not go as planned. A condom can break, or you might realize you forgot to take your birth control. This is where anxiety sets in. Luckily, there is an over-the-counter,...
Suicide has been a hot topic due to the continual rise every year. The suicide rate rose in all the states between 1999 and 2016, except for Nevada, and continues to climb every year since. Suicide ha...
Imagine looking over your expenses from the year, and you calculate not only no refund, but you owe a hefty sum. Your small business is doing well, but not well enough that it can take a heavy tax hit...
The time has come. You made it to 26 with health insurance coverage through your parents. But now your birthday is approaching and are getting kicked off your parent's health insurance plan. You...
Cybercrime is any crime committed on the internet or using a computer. The definition extends to stolen personal data, credit card fraud, and other forms of identity theft or scams. With our economy b...
September 8 is Grandparents Day, and you are probably wondering what kind of gift would show how special they are to you. Buying a gift for your grandparents can be tough, especially when they have ex...
How often do you think about your heart health? It’s not something we see on television, yet heart disease remains our number one killer.[caption id="attachment_3209" align="alignright" width="34...
The prostate is about the size of a walnut and wraps around the tube that carries urine out of the bladder in men. It grows larger, the older you get, but if it gets too large, then health issues can ...
This Constitution Day, let’s celebrate our founding document by discussing how we can better it. If you read through all the articles and amendments, you notice that the majority of its words explai...
You sit at a gathering, and you hear your favorite song come on. You scoot around in your chair, resisting the urge to get up and dance because you are either hesitant to get hurt, or feel embarrassed...
Fall Prevention Day is September 23rd, so now is the perfect time to start the conversation about tips to prevent falls, especially for seniors. Falls happen to everyone, no matter what your age is, b...
Stuck in traffic after a long day of work? No motivation to go to the gym? Well, do not lose hope. Virtual reality gyms are popping up, as well as stations in gyms, and virtual reality exercise games ...
We can’t tell you where to live, but if you’re looking into starting a business somewhere, it may be wise to look into the average insurance rate for each state. The average premium can give you t...
Getting older can bring on challenges with one’s mental and physical state. Friends and loved ones may not come as often to visit, and you can become lonely, and depressed. One way to battle lonelin...
If you have noticed recent stomach issues, such as nausea, reduced appetite, and abdominal pain, then you might be dealing with gastroparesis. The word ‘gastro’ means stomach, and the word ‘pare...
You stand there in the mirror, picking out the negative things about your post-baby body: loose skin here, stretch marks there, and cellulite everywhere. You reminisce about the body you had before ha...
America is currently in a love/hate relationship with food and our fitness goals. There is a tremendous amount of apps out there in regards to weight control. With the volume of nutrition programs, di...
When President Trump took office, one of his campaign promises was to get rid of Obamacare also known as the Affordable Care Act (ACA), and replace it with new health care. Trump delivered on this cam...
Acupuncture has been used as a form of alternative medicine in China for centuries. It has many benefits, and has been said to cure ailments in the body, including sexual ones. There are pressure poin...
Experts know that marketing is an online world now, also known as SMM (Social Media Marketing.) No tool has a tighter grasp on the minds of our people than social media. These sites are Facebook, Twit...
After retirement, some seniors decide to embark on a new challenge: moving. You may want to relocate to a warmer place that is more “senior friendly.” A lot goes into planning when moving, and it ...
Education is an important life goal; you can always go back to school! It doesn’t have to be age-specific. As long as you have a plan, and want to learn, you can return whenever you want. The benefi...
I hear the kid’s bedroom door open, so my eyes open as well.I look at the clock, it is 2 a.m. I hear little footsteps go down the stairs as I stare at the ceiling. Next thing ...
If you had chicken pox when you were younger, then you are at a high risk of getting shingles when you are older. Shingles typically occur in people 50 and older, and can be extremely painful. New res...
Do you know everything you need to know about Worker’s Compensation? It’s not a subject many people discuss at the dinner table, but it’s incredibly important to have when running a business in ...
Every 65 seconds, someone in the United States develops Alzheimer’s. This degenerative brain disease is the 6th leading cause of death in the United States, and almost 6 million Americans are living...
Unfortunately, the sad reality is that criminals target seniors seen as weak, easy prey. A U.S. Department of Justice report noted that between 2003 and 2013, 93 percent of all crimes against people o...
