More Sun, More Fun, More Accidents?

August 25, 2016

Don’t let an accidental injury break up your good time. With the summer months upon us and children out of school, now is the time for outdoor fun, including swimming, traveling, barbequing and more. However, summer months can also bring more »

Change in Life = Change in Insurance?

February 18, 2016

Most of us have experienced some kind of major change in our employment. These kinds of big changes are sometimes expected, sometimes they’re not. It’s important to understand that a job change may mean you’re eligible to make changes to more »

The End (of Open Enrollment) is Near!

January 29, 2016

The Affordable Care Act, or what many refer to as Obamacare, has drastically changed the health insurance industry. Among the most notable changes are guaranteed acceptance regardless of pre-existing conditions, the founding of the federal and state marketplaces, help paying more »

When Major Medical Coverage Just Isn’t Enough

July 9, 2015

If forced to right now, could you write a check for $43,546? Even with bronze level health insurance, the cost of a heart attack for a 40 year old is still an eye watering $29,030 in medical expenses like deductibles more »

Life Insurance: It’s Not a Luxury

May 1, 2015

Life insurance isn’t a luxury your family can do without. Why don’t you have life insurance? When asked, more than 50 percent of American adults listed cost as the main reason they had yet to purchase life insurance. Did you more »

Did You Miss the Open Enrollment Period?

March 12, 2015

You Still Have Options Although you may have missed the open enrollment period, the time established by the government during which most Americans may make health insurance purchases, you don’t have to go without coverage. Short-term medical can be an more »

Time is Running Out

February 6, 2015

Did you know the open enrollment period for 2015 ends on February 15th? If you’ve yet to purchase insurance that meets the new requirements of the Affordable Care Act (ACA), not only could you be forced to go the remainder more »

Open Enrollment Is Here

November 26, 2014

Get Coverage during the Open Enrollment Period As you may be aware, the open enrollment period created by The Affordable Care Act began on November 15, 2014 and ends on February 15, 2015. This is the only time during the more »

Common Insurance Terms

November 20, 2014

What is the difference between co-insurance and co-payment? On occasion, these terms have been used interchangeably. However, it is preferable to define the two terms differently, despite their similarity of purpose. Under a copayment or “Doctor copay” provision, the insured more »

Insurance 101

How Insurance Works A health insurance policy is simply a contract between an insurance company and an individual. The type and amount of health care costs that will be covered by the health insurance company are specified in advance, in more »