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As we head into the second month of 2018, companies have already begun the arduous task of submitting budgets and finding ways to cut costs for the new year. One of the most effective ways to combat increasing health care costs for companies is to move to a Self-Funded insurance plan. By paying for claims out-of-pocket instead … Continued
Most health insurance plans cover emergency treatment, hospital stays and medical exams. If you are injured in an accident, your health insurance plan might not pay for all the incurred medical expenses. Supplemental accident insurance coverage pays cash benefits for illnesses or injuries caused by an accident, including fractures and physical therapy. The coverage is … Continued
We spend a lot of time talking about how couples, families and businesses can protect their financial futures with life insurance. But what about if you are single—do you need life insurance, too? There are those people who have no children, no one depending on their income, no ongoing financial obligations and sufficient cash to … Continued
As a parent, perhaps you’ve been able to check the critical financial boxes for your family. You’ve established emergency funds, secured life and disability insurance, and are on track with your retirement goals. You may wonder, is there anything else I could be doing to help my children? This can be the time for parents … Continued
There are several primary differences between life insurance and accidental death insurance. Accidental death insurance is actually accidental death and dismemberment, which will pay you money for loss of limbs, although not always for the full policy amount. While life insurance will typically cover all instances of death, accidental death and dismemberment insurance is extremely … Continued
Family health insurance is a policy that helps cover the cost of medical treatment. It may be used to cover treatment for illnesses, therapy, preventive care, prescription medicines etc. The coverage received depends on the specific policy. There are many types of family health insurance and costs vary for each type. Overall Average Cost According … Continued
Overview Secondary health insurance is a type of policy that is used to cover medical expenses that have not been covered by your primary insurance plan. Typically, a person will have secondary medical insurance by being covered as a dependent under another family member’s plan. Secondary health insurance is usually optional and can provide several … Continued