preparing for 2024's open enrollment text overlaying image of a stethoscope

Preparing For 2024’s Open Enrollment

The health insurance Open Enrollment Period (OEP) is coming, and you might feel a little lost. It can be hard to sort through all of the different health insurance options in your area, but you know that you and your family need health insurance to stay healthy. Don’t worry though. You can always work with…

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Vision Insurance: What You Need To Know text overlaying image of a woman reading an eye chart

Vision Insurance: What You Need To Know

If you’re having eye problems, you may wonder, is an ophthalmologist covered by my medical insurance or do I need vision insurance? In short, most ophthalmologists accept both medical and vision insurance, depending on the type of services you need. Vision insurance covers your optical needs, such as annual eye exams, eyeglasses, and contact lenses.…

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Tips For Saving On Health Insurance

Want to spend less on health insurance? You’re not alone! Most of us feel like health care costs go up every year, making it harder and harder to save money. Health insurance is the most expensive part of healthcare for nearly everyone, but if you think that the cost of health insurance is a reason…

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what happens if your life insurance company fails text overlaying image of a fence padlocked shut

What Happens If Your Life Insurance Company Fails?

Businesses can fail, and when they do, their customers are often left wondering what they should do next. The same goes for life insurance companies. Life insurance companies can go out of business, leaving their policyholders with a lot of questions. Mostly about what will happen to the policy they’ve been paying into and how…

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Survivorship Life Insurance – What You Should Know text overlaying image of a paper family cutout

Survivorship Life Insurance – What You Should Know

When it comes to life insurance, married people have two choices, individual policies or joint policies. Most couples buy separate policies for each person. But for some couples it makes more sense to get a single policy that covers both people. Choosing to buy a policy together you can buy a joint policy or a…

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what is a point of service health plan text overlaying image of healthcare blocks

What Is a Point of Service (POS) Health Plan?

Everyone needs health insurance to cover them in case of an emergency or unexpected illnesses. It’s also best to have health insurance for things like checkups and medications that keep you from getting sick in the first place. Unfortunately, there are so many choices in health plans that it can be hard to figure out…

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Free Services With Medicare text overlaying image of a medicare patient and nurse

Free Services With Medicare

If you have Medicare or will soon have it, you probably know what it covers on a basic level. But do you know about the less common perks that come with Medicare coverage? These perks aren’t technically free, since Medicare itself isn’t free. However, many Medicare recipients don’t have to pay anything out of their…

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Does Health Insurance Cover Your Sexual Health? text overlaying image fo a woman being offered different types of birth control

Does Health Insurance Cover Your Sexual Health?

Sexual health is very important. It can change other parts of health and is affected by other parts of health. This includes mental, emotional, and social health as well as physical health. The World Health Organization (WHO) says that sexual health is "fundamental to the overall health and well-being of individuals, couples, and families." Sexual…

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Telehealth Is On The Rise text overlaying image of a phone

Telehealth Is On The Rise

Most of the time, doctors and other health care workers see their patients in person at a place like a doctor's office, clinic, or hospital. However, doctors and nurses can now diagnose, treat, and keep an eye on their patients' care online. Thanks to computers, smartphones, and other new digital technologies. Using technology, telehealth is…

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mental illness and health insurance text overlaying image of flowers falling out of a cutout of a head

Mental Illness and Health Insurance

In the last few years mental illness has steadily become a topic of conversation for many people. We’re seeing people take their mental health more seriously. It’s important to take care of your mental health. In fact, it's just as important as your physical health. Insurers haven't always seen it this way, though. In the…

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Why Annual Physicals Are So Important text overlaying image of a nurse in an exam room

Why Annual Physicals Are So Important

Many people do not see the importance in scheduling an annual physical, especially if they’re in good health. However, regular exams are essential to your continued health no matter what age you are. These exams allow your doctors to monitor your health, make necessary adjustments to your medications, and prevent serious health conditions from developing…

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What To Avoid When Shopping For Business Insurance text over laying image of businessmen shaking hands

What To Avoid When Shopping For Business Insurance

Shopping for insurance for a small business can be difficult and time consuming, especially for new businesses. Your business insurance needs and risks vary a lot more than individual insurance does. Running a business can feel like walking through a trap, where every step could be a mistake. It's easy to spend too much on…

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why is oral hygiene so important? text overlaying image of a fake tooth and dental tools

Why Is Oral Hygiene So Important?

Oral hygiene is actually considered preventative care, just like annual physicals and routine blood work. If you take good care of your teeth and gums, you can stop dental health problems like cavities, gum disease, and even bad breath. Not to mention it helps stop other health issues as well. Oral health is also related…

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making sense of E&O insurance &EPLI text overlaying image of a maze that says liability

Making Sense Of E&O Insurance & EPLI

Risk management is the core of commercial insurance. You know you have to protect your business from lawsuits, like if an employee is injured on company property, as well as from disasters such as fire or theft. However, not all damages are physical and not all claims are made by third parties. There are times…

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ILIT: understanding irrevocable life insurance trust text overlaying image of insurance agent holding a family

ILIT: Understanding Irrevocable Life Insurance Trust

An irrevocable life insurance trust (ILIT) gives you more control over your insurance policy and how your beneficiaries will get the death benefit when you die. A life insurance policy is an investment and an asset. So, it will be part of your estate after you die. Because of this, the death benefit, or proceeds,…

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medicare scams and how to avoid them text overlaying image of a hacker behind a computer

Medicare Scams And How To Avoid Them

Fraudsters can make a lot of money off of Medicare fraud, which poses a big problem for Medicare enrollees and taxpayers alike. If thieves get their hands on your Medicare number, they can be worth a lot of money. With these numbers Medicare can be billed for services that never even happened. Then the thieves…

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Cost Sharing Reductions: Do You Qualify? text overlaying image of a money sack with an arrow pointing down

Cost Sharing Reductions: Do You Qualify?

A cost-sharing reduction is a discount that reduces your deductibles, copayments, and coinsurance. They help reduce your out-of-pocket health care costs. Individuals qualify for health insurance coverage through the ACA Health Insurance Marketplace. Approved individuals receive discounts to assist with their deductibles, copayments (copays), and coinsurance, and to reduce their maximum out-of-pocket expenses for covered…

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Most Common Health Issues for Seniors text overlaying image of a senior talking with her doctor

Most Common Health Issues for Seniors

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…

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