What Is A Premium Tax Credit? text overlaying image of a tax professional

What Is A Premium Tax Credit?

A premium tax credit is a form of financial assistance designed to make health insurance more affordable for individuals and families with moderate incomes. Especially those purchasing coverage through the Health Insurance Marketplace established by the Affordable Care Act (ACA). This article aims to demystify the concept of premium tax credits, clarifying who qualifies for…

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Your Guide To Coinsurance text overlaying image of a compass

Your Guide To Coinsurance

Navigating the world of insurance can often feel like traversing a labyrinth of complex terms and concepts. Among these, coinsurance stands out as a crucial element, yet it often remains shrouded in confusion. This guide is crafted to demystify coinsurance, offering a clear and comprehensive understanding tailored for those new to the concept. [zip_submit_form prefix="Compare"…

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Short Term vs Traditional Health Insurance text overlaying image of a woman deciding

Short Term vs Traditional Health Insurance

People often find themselves at a crossroads when it comes to health insurance, trying to figure out which choices will best meet their specific needs. A short-term health insurance plan has fewer benefits than a major medical plan that meets all of the standards set by the Affordable Care Act (ACA). However, it is still…

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Creating A Safer Workplace text overlaying image of a work hat and dafety cone

Creating A Safer Workplace

A serious injury at work can have a big effect on you and your business. It’s more common than you might think. So far in 2023, employers have reported 4.26 million non-fatal workplace injuries. Even though that seems like a lot, the number of work injuries has been steadily decreasing. That’s because more and more…

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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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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 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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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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Is Stress Covered By Workers' Compensation? text overlaying image of a workers stressed out

Is Stress Covered By Workers’ Compensation?

When most people think about workers' compensation, the first thing that comes to their mind is an employee who has sustained some kind of physical injury while on the job. This injury could have been caused by falling from a high position, being crushed by equipment, or even losing a finger in an accident involving…

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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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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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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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how self-funded health plans work text overlaying image of a piggy bank and stethoscope

How Self-Funded Health Plans Work

Employers who want to give their employees health care perks can choose between a fully insured health plan and a self-funded health plan. Even though the two approaches have a lot in common, they are also very different. Each has its own pros and cons. A fully-insured group health plan is one where the company…

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What Is an Exclusive Provider Organization? text overlaying an image of someone picking up a health block

What Is an Exclusive Provider Organization?

Like a Health Maintenance Organization (HMO), An Exclusive Provider Organization (EPO) health insurance plan only lets you see doctors and go to hospitals in its network. One good thing about the EPO health plans is that you usually don’t need a referral to see a specialist. This speeds up the process if you know what…

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Workers' Compensation For The Self-Employed text overlaying image of a self-employed woman in a cast looking at her policy

Workers’ Compensation For The Self-Employed

Although workers’ compensation is generally for employers to have for their employees it also covers you if you’re self-employed, such as an independent contractor. Just because you work for yourself doesn’t always mean workers’ compensation is optional for you. Almost every state requires that companies give workers' compensation insurance to their employees. Each state has…

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What is Medicare Silverscript? text overlaying image of a medication bottle with pills spilling out of it

What is Medicare Silverscript?

Even if you have Medicare Parts A and B coverage, you may still need extra coverage for your prescription drugs. So, like a lot of people with Medicare, you might be looking at Medicare Part D, especially Medicare Silverscript, which is the cheapest way to cover prescription drugs on the market. It's not surprising that…

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Employer Tax Advantages From HSAs text overlaying image of tax paperwork with a calculator

Employer Tax Advantages From HSAs

It's no secret that health savings accounts (HSAs) offer numerous tax benefits. These tax savings are one of the primary reasons why HSAs are gaining traction in the market. However, while HSA participation continues to increase at a rapid pace, the majority of the attention when it comes to HSA tax benefits is focused on…

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Tips To Maximize Your Health Insurance Plan text overlaying image of building blocks showing money going to different points

Tips To Maximize Your Health Insurance Plan

The average person in the United States spends about $3,400 a year on health insurance. If you're going to spend a lot of money on health insurance, you should make sure you're getting the most out of it. You’re already paying for the benefits so why not use them and get your money’s worth. To…

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