Author Archives: Admin

Homeowners insurance typically covers losses related to fires up to the policy’s dollar limits, including property damage and rebuilding costs minus any applicable deductible payments from your insurer. Prepare for an insurance claim the best way possible by taking photographs and listing items before disaster strikes; this will enable you to negotiate an equitable settlement […]

Health Savings Accounts (HSAs) have seen exponential growth over recent years and can serve as an excellent tool for both managing healthcare costs and long-term financial planning. HSAs are tax-advantaged accounts designed for individuals enrolled in high-deductible health plans (HDHPs). HSAs help you save money for qualified medical expenses like deductibles, copayments and coinsurance premiums. […]

If you plan on leaving your home vacant for an extended period, vacant home insurance should be considered. Without someone living there to monitor things regularly, minor issues could go undetected and cause significant damage. Vacant home policies can be purchased both individually or as an add-on to an existing homeowners insurance policy, and will […]

Whole life insurance provides an assured death benefit regardless of when or if you die, unlike term life policies. Furthermore, its cash value accumulates tax efficiently to facilitate any withdrawals or loans3 made during its life span. Financial professionals can assist in helping to determine if this policy type is the appropriate choice for you. […]

In 2018, the federal government repealed its individual mandate penalty for lack of health insurance, though some states still enforce laws mandating coverage or face fines. At present, five states (California, Connecticut, Massachusetts, New Jersey and Vermont), plus the District of Columbia require residents to have health insurance or face penalties when filing taxes. Each […]

Management of a dental practice can be complex. Dentists often become overwhelmed with tasks like scheduling, patient calls and credentialing their insurance plans. Many dentists may be unaware that they can negotiate their PPO insurance fees for higher reimbursement rates, yet how should one go about doing so? Arm yourself with data and be ready […]

Health insurance premiums are one of the costliest benefits employers offer their employees. In 2021, on average, employers covered 83% of an employee’s self-only premiums and 73% for family coverage. To help employees manage these costs more easily, some employers provide them with a stipend to cover out-of-pocket expenses. Here is how it works:. Premiums […]

Car insurance rates can fluctuate based on a variety of outside influences, including at-fault accidents and making multiple claims. Your location, adding drivers or increasing coverage may also cause your rates to change. One way to reduce car insurance premiums is to raise the deductibles, but make sure it remains an amount you can comfortably […]

Blue Cross or Aetna insurers hold Medicare contracts with each county in which they operate, providing at least one benefit package and often more. These contracts establish plan revenues and profits through risk-adjustment mechanisms. These plans combine your Part A, B and, if applicable, D Medicare coverage into one plan and comply with Medicare rules […]

There can be various reasons for canceling marketplace health insurance policies, from starting a new job to becoming eligible for Medicare; certain steps must be taken in order to make sure your coverage ends properly. Be mindful that cancellations will take effect 14 days later. Make a note of all confirmation numbers, tickets purchased, and […]