As you age, you’ll start to face new health problems, and old ones become harder to treat. Thankfully, according to the Center for Disease Control and Prevention (CDC), seniors today can expect to live longer and healthier than ever before. That doesn’t mean you don’t have to be careful with your health though. Taking steps […]
Medical underwriting is a process health insurance companies use to decide how risky you are to insure and how much your premium should be. If you’re eligible for Medicare and want to also add a Medicare Supplement Plan to your Original Medicare coverage, the private insurance company you choose may require you to go through […]
There are several factors that determine life insurance costs within a plan. The cost of a policy can be based on how long you are expected to live as well as your risk category. The three most common risk classifications are preferred, standard, and substandard. The Standard risk class is typically the starting point for […]
Life insurance can be hard to understand, so it can be frustrating to try and figure out all the terms and legal jargon that go with it. But you need to know what each of these terms mean, especially when choosing a life insurance plan. Knowing these terms, or at least having this cheat sheet […]
Original Medicare is the federal insurance program that provides guaranteed healthcare coverage for people 65 and older, as well as younger people who qualify due to a disability. It was created to ensure healthcare coverage and financial stability for our nation’s older and more vulnerable populations. Medicare itself has four parts: Part A, Part B, […]
Turning 65 means that you’ll be able to enroll in Medicare, the federal government’s healthcare program for older adults and those with disabilities and take advantage of all of the benefits it has to offer. However, there is a lot you need to know about Medicare Part B. So, you can get the most out […]
