Did you know that one in four people will become disabled and potentially face financial hardship at some point during his or her working life? Your ability to earn a living is your most important asset. One of the best ways to protect it is with disability insurance. Contact us to learn more about this […]
Health savings accounts (HSAs) are tax-advantaged savings accounts that can be used to save money for medical expenses. You own the account (not your employer), and any money in the account that is not spent carries over to the next year; there are no “use it or lose it” rules as with other types of […]
Centers for Medicare & Medicaid Services (CMS) announced a new special enrollment period on 28 January 2021 due to the COVID-19 pandemic through exchanges using the HealthCare.gov platform. View the Legal Update video below to learn more. Contact us for further questions.
Open enrollment is something you probably only think about a few times a year. For employees, it might be even less often. That is unfortunate because that means employees may not be maximizing their benefits. That’s why it’s important to touch on benefits throughout the year, ensuring employees are making the most of them. Here […]
In a recent article by Education Week, it was pointed out that there is a larger than normal percentage of students who have been receiving failing grades on their progress reports and report cards. According to the article, the primary reason for this national drop in grades is due to virtual learning. Challenges of Virtual […]
November is Long-Term Care Awareness Month. What is Long-Term Care? It is insurance coverage that protects you when you have a chronic illness and can no longer care for yourself. ADL, or Activities of Daily Living, are the everyday actions that a person needs to be able to perform in order to live independently, including bathing, toileting, dressing, […]
Out-of-network care can be incredibly expensive, but unexpected medical visits can sometimes happen. Here are the typical steps for how out-of-network coverage is provided during a medical visit: Provider – The patient receives treatment and the doctor sends the bill to the insurance company. Bill – The bill for services is presented to the insurance […]
With the rate refresh now effective in 32 states (9/1), one of the most common questions pertains to Partner Discounts and how that will be handled going forward if one partner has an inforce policy, (pre-rate refresh) and the other spouse is applying after the rate refresh. The great news is there is a 6-month transition […]
Mutual of Omaha announced a product refresh last week on its standalone long-term care insurance products – Custom and Secure. These changes will be effective on September 1. Right around the corner! We know that there will be an increase in rates. We do not know what the increase will be and quoting of the […]
Schools are looking for every possible option to open and stay open in a traditional learning environment while keeping their faculty and students safe. How can school administration possibly keep up with the challenges of managing an infectious disease on top of the already important task of daily school activity? I’m Healthy Today Schools is […]