Choosing the Right Plan When enrolling in Medicare, you have choices to enhance your plan. You can keep original Medicare, add a Medicare Supplement, or enroll in a Medicare Advantage plan. Original Medicare has no max out of pocket limits. So if you have a $100,000 medical bill, you may pay up to 20% or …
How to Enroll in Medicare Many people wonder how to enroll in Medicare. Enrolling in Medicare is simple – your cards will be automatically mailed out to you three months before you turn 65, or in the 25th month you receive disability benefits. If you are not automatically enrolled in original Medicare, you can also …
Medicare is the United States’ health insurance program for people age 65 and older, have disabilities, or have permanent renal failure. Here is a brief breakdown of the different parts of Medicare and what they cover. Give us a call or schedule a time to talk to one of our advisors if you are feeling …
The following article was originally published on Investopedia, and it reviews the most common causes of bankruptcy. Medical expenses is the top reason for bankruptcy in America. In the event of a large medical claim due to a hospitalization or accident there are many expenses that will not be covered by your health insurance including …
This article was originally published on SmartAboutMoney. Contact one of our advisors for more information about disability insurance. Why You Need Disability Insurance Disability insurance provides a source of income to people who are unable to work due to an accident or illness. Remember that your earning power is one of your greatest financial assets. …
Having a baby changes everything. If you’re thinking about starting a family soon, there’s lots to consider. Even if you aren’t a parent yet, life insurance shouldn’t be on the backburner. With a growing family, it’s important to understand the ins and outs of life insurance. Here’s what you need to know. The Cost of …
Is your employer provided life insurance coverage enough? Many companies offer life insurance as an employee benefit, but these policies may only provide a fraction of the coverage you actually need. Spoiler: It’s probably not enough Employer-sponsored policies typically offer coverage that is about 1-2X your annual salary. However, financial experts recommend having coverage that …
Own a home? You might need life insurance. Owning a home can be one of the largest financial obligations you may have in life. If something unexpected happened to you, your mortgage could quickly become unaffordable for your partner, or any co-signers. That’s why life insurance is a great idea for many homeowners. Mortgage debt …
The Complete Guide to Employee Benefits Introduction In this guide, you’ll learn key strategies for structuring your employee health benefits, important cost containment strategies your company can implement to reduce your claims and renewal rates, the most desired employee benefits, and the average annual cost for offering top benefits. Offering quality benefits to your employees …
Cost Containment Solutions Rate increases are driven by demographics, medical inflation, but mostly from claims. We have multiple avenues for containing your claims costs. We have strategies you can use to contain costs, but to a degree, rising healthcare costs can be out of your control. With our employee groups who have taken advantage of …
