Category Archives: Finance Guide

If you need an insurance policy to protect your property and belongings, blanket insurance could be one option worth exploring. Home and business owners alike can take advantage of this form of protection for multiple properties or assets under one roof, saving both time and money with this comprehensive protection option. Coverage for multiple properties […]

Short-term health plans do not need to cover preexisting conditions; rather, they are medically underwritten, meaning insurers can reject applicants with preexisting conditions and do not meet coverage standards established under the Affordable Care Act (ACA). They typically do not cover maternity care, mental health services or prescription drugs and require you to reapply at […]

Blue Cross and Blue Shield provides individual health plans, family health plans, dental/vision coverage as well as Medicare/ Medicaid solutions. In addition, we also offer long term care and disability solutions. The 34 independent, locally run BCBS companies comprising the Federation are committed to serving you, which explains why so many choose them every year. […]

Industries such as overnight delivery, home healthcare and ridesharing are increasingly opting for independent contractor models; therefore Occupational Accident insurance provides an ideal way of protecting 1099/independent contractor workers at lower premiums than Workers’ Compensation policies. Contrasting with workers’ comp, this unique form of coverage provides medical/dental, accidental death and dismemberment benefits, disability income protection […]

Your health insurance card likely sits comfortably in your wallet until you or a healthcare provider needs it, yet its contents should not be neglected; once received, take time to review them immediately. Your insurance card should contain your policy number (also referred to as member or subscriber ID). This code indicates which benefits are […]

Many Medicare Advantage plans provide gym memberships as part of their Silver&Fit or SilverSneakers programs; speak to a licensed agent for more information about this benefit. Policyholders seeking gym reimbursement through Cigna must first compile any relevant documentation such as gym receipts or membership contracts before filling out and submitting a wellness claim form directly […]

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. […]