Does Medicare Cover Genetic Testing? text overlaying image of a dna strand

Does Medicare Cover Genetic Testing?

The Centers for Medicare and Medicaid (CMS) has begun covering genetic sequencing in 2018. It began when the FDA approved FoundationOne CDx, a test that can detect over 300 types of gene mutations. While Medicare does cover genetic testing to help detect possible health conditions it only covers a few types of genetic testing, and…

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How Your Group Health Premiums Are Calculated text overlaying image of a ben and calculator on a white table

How Your Group Health Premiums Are Calculated

Factors like age or tobacco use can significantly affect your premiums. Find out more of what affects your group health coverage.

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How Tobacco Use Affects Health Insurance text overlaying image of a cigarette

How Tobacco Use Affects Health Insurance

Insurance companies can’t change your premiums based on your medical history or turn you down for any pre-existing conditions. However, they can change your premiums based on other things, such as whether or not you smoke. If you regularly smoke, vape, or even chew tobacco, your health insurance can cost up to 50% more. Companies…

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The Importance of Your Child's Dental Health text overlaying image of a little girl holding a toothbrush and toothpaste

The Importance of Your Child’s Dental Health

Kids and adults actually have a lot of the same dental issues, but since kids' teeth are still growing, they are more likely to have problems. If you don't treat tooth problems early, they can get worse and cause their adult teeth to come out of place. If kids of any age don't take good…

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Professional VS Ordinary Negligence text overlaying image of a person under stress

Professional VS Ordinary Negligence

Any business can make mistakes, but companies that offer industry specific expert services or consulting are more vulnerable to negligence claims when they make a mistake. If your company gets sued due to a mistake or misleading information, it could hurt both your reputation and your bottom line. Negligence suits are one of the most…

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Medicare Annual Enrollment Period (AEP) FAQ text overlaying image of building blocks with faq written on them.

Medicare Annual Enrollment Period (AEP) FAQ

If this is your first year participating in the Medicare Annual Enrollment Period (AEP), you may be confused about what you need to do. Getting the information you need is crucial if you want to make sure your Medicare plan is ready for the upcoming year. You could lose hundreds of dollars if you don't…

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What Is An Assigned Risk Plan? text overlaying image of a bunch of hands holding pieces of a puzzle

What Is An Assigned Risk Pool?

An assigned risk plan is a workers compensation plan set up by the state for businesses that cannot get a workers compensation plan from a ‘regular’ insurer. Plans with an assigned risk are also known as the leftover market or the assigned risk pool. This safety net is the last option for employers who don't…

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How ESRD and ALS Affect Medicare text overlaying image of a senior and younger persons hands holding

How ESRD and ALS Affect Medicare

When you think of Medicare you likely think of the health insurance system designed for people over 65, but there are some cases where younger people are also on Medicare. Some people with disabilities who are younger than 65 can get Medicare. These people must have been getting disability payments from Social Security for at…

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What Are Part B Excess Charges? text overlaying image of someone writing medicare on a whiteboard

What Are Part B Excess Charges?

While shopping for Medicare Supplement Plans you might see something called a Part B excess charge. You’ll specifically see this term in the discontinued Medicare Supplement Plans C and F. Providers who take Medicare usually also take Medicare assignment, which is the amount Medicare will pay for certain services. So, thankfully, excess charges don't happen…

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COBRA: What You Need To Know text overlaying image of cobra written on a wooden table

COBRA: What You Need To Know

Due to recent events, unemployment in the U.S. has reached an all-time high. And because our healthcare system often ties coverage to work, there are a lot of people who could lose their access to healthcare. If you, like many employers, are worried about your workers in these uncertain times. Remember that if you have…

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Variable Life Insurance: When you Need Flexibility text overlaying image of a family covered by an umbrella

Variable Life Insurance: When you Need Flexibility

Looking for the ideal life insurance policy? While you're researching all of these options, you might want to consider one that's often overlooked: variable life insurance. This is a type of whole life insurance policy with a cash value determined by the amount of premiums paid, the policy's fees, and the success of your investments.…

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What Is a Workers' Compensation Audit? text overlaying image of paperwork and a calculator

What Is a Workers’ Compensation Audit?

You know how important it is to have workers' compensation insurance if you run a business. More often than not, you legally have to have this kind of insurance. But workers' compensation is one of the hardest types of business insurance to understand and follow the rules for. Each state has its own rules about…

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HRAs: ICHRA vs QSEHRA text overlaying image of a clipboard showing ichra and qsehra

HRAs: ICHRA vs QSEHRA

You’re not the only one who wants to know what the difference is between an ICHRA and a QSEHRA. This is one of the more common questions business owners ask when they’re trying to decide which benefits to offer their employees. Both plans are health reimbursement accounts (HRAs). They make it possible for you, the…

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Is Alternative Medicine Covered By Health Insurance text overlaying image of a chiropractor

Is Alternative Medicine Covered By Health Insurance

The term "alternative medicine" is now commonly used, but chiropractic care, acupuncture, and therapeutic massage aren't really that alternative today. Many adults and children use complementary and alternative medicine (CAM) to stay healthy and treat serious or long-lasting illnesses, according to the National Center for Complementary and Integrative Health. It's possible that a lot more…

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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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Why Does Open Enrollment Exist? text overlaying a book with a sticky note that says open enrollment

Why Does Open Enrollment Exist?

By now you know that the Open Enrollment is the only time where you can enroll or change your health insurance plan. But what you might not know is why the Open Enrollment Period exists. The short answer is that it prevents adverse selection. Which is when people only buy health insurance when they’re sick…

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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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What Changes Can I Make During The AEP? text overlaying image of a street sign that say change of plan

What Changes Can I Make During The AEP?

The Medicare Annual Enrollment Period (AEP) is a set period of time where you can change your Medicare benefits. Every year, the AEP lasts from October 15 to December 7. If you didn't sign up for a Medicare Advantage plan or a Medicare prescription drug plan when you first became eligible for Medicare (during your…

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