Top Factors that Affect your Health Insurance Costs

With Covid-19 lingering over us, the fear and rise in cases has really shone a light on the importance of health insurance and pre-existing conditions. Previously, health insurance companies were able to use a lot of information about you to determine the costs of your monthly premium. Now, thanks to the ACA, health insurance companies […]

Term Life Insurance vs. Whole Life Insurance — Which One is Right for You?

Term Life Insurance, also known as pure life insurance, is a type of life insurance that guarantees payment of a stated death benefit if the covered person dies during a specified term. If the insured dies during the time period specified in the policy and the policy is active or in force, a death benefit […]

TransAmerica Leaves the LTC Market

So long. Farewell. Auf Wiedersehen. Goodbye! Some of you may have already heard, but TransAmerica is leaving the Long Term Care Insurance market. This large holding company offers life and supplemental insurance as well as retirement services. As of recently, TransAmerica announced its departure from Long Term Insurance due to challenging market environments. While this […]

Supplemental Insurance — Do you need it?

No one wants to think about the dreaded possibility of a detrimental diagnosis like cancer or another critical illness, however, planning ahead with supplemental insurance can ease your mind. Critical Illness Insurance can not only be the supplemental coverage for your rainy day fund, it can also pay you cash for a qualifying serious illness. […]

2021 Special Enrollment Period Runs Now Thru May 15th

The Covid-19 pandemic national emergency has presented unprecedented challenges for millions of Americans and as a result, are uninsured or underinsured and still need affordable health care. President Biden issued an Executive Order providing a Special Enrollment Period (SEP) for individuals and families to apply and enroll in the coverage they need. From February 15th, […]

Understanding Health Insurance Changes for 2021

Healthcare reform is always a topic of conversation, now more than ever, so if you’re confused on what will happen with your coverage in 2021, you’re not alone! We are here to help you understand what to expect in terms of health insurance this year. ACA has not been repealed or replaced, and lawsuit doesn’t […]

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What’s Ahead For Health Care Under Biden

Enacted a decade ago, the Affordable Care Act (ACA), is serving as the framework in the new direction of health care policy. President Joe Biden plans to work quickly with Congress in January to dramatically increase health care protections and offer Americans universal coverage and lower health care costs. Biden will revisit many policies of […]

Health and Wellness Trends with Preventive Care

The wellness industry has been steadily growing now for quite some time and usually, certain trends take off.  But since the Covid-19 pandemic wreaked havoc in our lives, the wellness industry has completely shifted and preventative treatments have now taken the lead. Virtual Wellness Online, at-home wellness has seen a much needed increase over the last […]

What To Do About Your Short Term Medical Plan in 2021

Our fingers are still crossed — okay let’s face it, we’re knocking on wood, throwing a little salt over our shoulder, basically any superstitious act to ensure 2021 is a better year than 2020.  So far…it’s too soon to tell. When regulation changes, short term medical plans will be affected most, which is why it’s crucial to plan […]