Category Archives: Finance Guide

Errors or overcharges on medical bills are unfortunately commonplace. If you suspect something might be amiss with your bill, begin by asking for an itemized copy and carefully reviewing each charge individually. Keep careful records of every interaction with providers and insurance companies, including names of each person spoken with, telephone numbers used, and an […]

Have two health insurance plans can be advantageous, particularly if they complement each other to reduce overall out-of-pocket expenses and provide peace of mind should one plan be lost. But having two policies also means paying twice the premiums and deductibles and managing double the paperwork. Coordination of Benefits (COB) Coordination of Benefits (COB) is […]

Health insurance can be an integral component of recruiting and retaining top talent, so working with a PEO to offer competitive group health coverage can save time, money and hassle. PEOs create master health insurance plans by pooling employees from different small businesses together and using this leverage to negotiate rates typically reserved for larger […]

If your dependents depend on you for financial support, life insurance can help cover funeral and end-of-life medical costs, estate taxes and any debts. As you age, term policies become less affordable; whole or universal life insurance may be a better solution as these can last until your death without needing medical exams or health […]

Customers’ experiences across other industries has informed their expectations regarding insurance. Customers expect to access and manage their policies using the same channels that they use when shopping for other goods and services. Delivering seamless, multichannel advice is key to building long-term client relationships and expanding business. Here are some strategies brokers can employ in […]

Under current law, you are eligible to remain on your parents’ health insurance plan up until age 26. This rule generally applies to both employer-sponsored plans and those purchased via the Affordable Care Act Marketplace plans, with some notable exceptions. As you approach 26 it is vitally important that you have a plan in place […]

When both spouses work for employers that offer coverage, spousal plans may make sense. When considering the options of merging policies together or not, it’s essential to assess total costs; including monthly premiums, deductibles and copayments/coinsurance premiums/costs. These costs can add up quickly if the deductible is high. Premiums Health insurance can be costly, yet […]

People often assume their auto or credit card policies provide adequate protection when renting a moving truck; unfortunately, this is not always true. Rental truck companies typically provide various protection plans, such as damage waivers, supplemental liability insurance, roadside assistance and cargo coverage. While costs can add up quickly when traveling long distances, such plans […]

Eye care providers now provide online shopping options with FSA and HSA accounts that accept prescription eyewear purchases, often creating a seamless buying experience and optimizing vision insurance savings. Moscot offers an easy 14-day return window (for store credit only) and has a massive selection of premium frames with an FSA-friendly website, providing virtual tool […]

If you are a healthcare professional, hospital, or clinic and wish to join BCBS’ network as an in-network provider, an extensive credentialing process must take place first. DENmaar typically handles this part of the process; step one should include filling out their Provider Onboarding Form. Obtain an NPI Before embarking on the process of joining […]