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Let’s be realistic. If you have an adequate investment and pension portfolio; if you have made provisions for your health care costs; if you have no one relying on you for financial support, maybe, just maybe you can afford to retire. Did you know that a healthy 65-year-old man has a life expectancy of 87 … Continued
Adding a spouse to your existing health insurance policy can become necessary after marriage, job loss, or change of employment. Typically, changes to a policy may be made only once a year during a period typically known as “open enrollment.” According to the National Association of Insurance Commissioners, changes may be made at any point … Continued
The addition of a stepchild to your family brings a variety of rewards and challenges. The task of adding your stepchild to your health insurance should be a relatively easy process. The addition of the stepchild might have occurred after a marriage or with a change in custody. According to Insurance Lawyers, most health insurance … Continued
Quantitative research guides health care decision makers with statistics–numerical data collected from measurements or observation that describe the characteristics of specific population samples. Descriptive statistics summarize the utility, efficacy and costs of medical goods and services. Increasingly, health care organizations employ statistical analysis to measure their performance outcomes. Hospitals and other large provider service organizations … Continued
According to the Internal Revenue Service (IRS), no permission or authorization to set up either an FSA or HSA account is required. Both accounts are intended to help provide you with financial assistance regarding medical care costs. An FSA (flexible spending account) is set up by your employer. An HSA (health savings account) is held … Continued
Insurance has become the method by which most Americans have their health-care costs paid. By paying a regular monthly bill for health insurance, the cost of expected health care events is spread out into even payments and the cost of major unexpected medical incidents is absorbed by insurance. Lack of health insurance can have a … Continued
It’s not surprising that 2017 stands to be the year many will have an experience to share using a Telemedicine or a Virtual Doctor service. With current market trends, government regulations, and changing economic demands, it’s fast becoming a more popular alternative to traditional healthcare visits. And, as healthcare costs continue to rise and there … Continued
Voluntary Benefits are Supplementary Benefits in addition to the core benefits package that the employee can choose to add.
If you think your retirement is going to look like your parents’ or grandparents’ retirement, think again. Here are three things you should be considering: 1. The Bank of Mom and Dad won’t always be open. There are two sides to this. If you’re currently supporting your adult children, you’re not alone. According to a … Continued
It would be nice to believe that health-care cost increases were a temporary phenomenon. Unfortunately, that’s not the case. The cost of medical care has outpaced inflation for the past 20 years, and predictions are that medical and long-term care costs will continue to escalate into the future. The decisions we make as to how … Continued