Not Having Dental and Health Insurance: Big Mistake

Not Having Dental and Health Insurance: Big Mistake

Having individual health insurance plans and dental insurance plans should be at the top of every American adult’s priority list. There are all kinds of important decisions that need to be made throughout a person’s adult life, but taking care of both dental and overall health (as well as your family’s) should be above everything else. Sadly, there are still millions of Americans who don’t have even basic forms of coverage. Whether it’s by your own accord or due to extenuating circumstances, you must be confident that your dental and medical needs are taken care of. Hopefully this guide will help you at least understand the importance of having these […]

4 Mistakes Employers Make Pertaining to Employee Benefit Packages

4 Mistakes Employers Make Pertaining to Employee Benefit Packages

Employee benefit packages need to be of the highest quality in order to ensure that employees across an organization are not only being taken care of and treated properly but are happy with their employers. Unhappy employees typically translate into unproductive workdays, workweeks, and even years. Only two in five Americans under the age of 65 years old have employer-based healthcare coverage. It’s essential for an organization at any level to offer quality employee benefits and avoid mistakes that will decrease company morale and potentially ruin a business. Here are some of the most common mistakes made pertaining to employee benefit packages and health care plans: Not keeping track of […]

Business Travel Accident Insurance

Business Travel Accident Insurance

If your employees travel on business, it is imperative that you provide them with Accident insurance protection. Business Travel Coverage –  covers injury resulting from an accident which occurs anywhere in the world during a Business Trip, including (a) an injury resulting from an accident which occurs while an insured is a passenger on, boarding, or alighting from a Civil Aircraft or Military Transport Aircraft; or (b) Injury resulting from being struck by an aircraft. Business Trip means a bona fide trip: a) while on assignment or at the direction of the Policyholder for the purpose of furthering the business of the Policyholder; b) which begins when a person leaves his or her residence or place of regular employment, whichever […]

A Simple Outline Of Medicare and Medicare Supplement Insurance

A Simple Outline Of Medicare and Medicare Supplement Insurance

For those approaching retirement age, understanding the healthcare insurance options available for seniors is very important. While Medicare is designed for this specific age group, there are some gaps in the coverage that should be vetted when making final healthcare decisions. Before you can do that though, you first have to understand what Medicare is. Medicare Medicare is an insurance program that is government-run. It provides health insurance for people who fit into one of the following categories: People over the age of 65 Some people under the age of 65 but with predetermined conditions People with permanent kidney failure Medicare Supplement Insurance (Medigap) Medicare supplement insurance, also known as […]

Short Term Disability Insurance Coverage Could Soon Be Altered Following Legislative Changes

Short Term Disability Insurance Coverage Could Soon Be Altered Following Legislative Changes

There are constant changes in the health insurance industry and insurance providers, organizations, and individuals have to prepare for these major changes. Health insurance plans might be stable for years, and then after a single legislative decision, be completely different. Short term disability insurance, specifically, is important to monitor because there are currently 53 million Americans living with a disability and many more require short term disability insurance for various reasons. According to FED Week, a new form of legislation offered in the House represents the latest in a serious of attempts to improve the short term disability coverage for federal employees. Since the majority of current insurance plans are filled […]

Post-Open Enrollment: Avoid Healthcare Issues

Open enrollment is coming to an end for health insurance plans. The entire healthcare industry is witnessing some major changes and there are millions of people who are unsure about what’s to come. It’s important to stay in contact with your insurance company as much as you can so you can better understand your health care plans, what happened to open enrollment, and whether or not you should consider supplemental insurance plans. Though 10,000 Americans (ages 65 and up) enroll in Medicare health insurance plans for the first time every day, all that could soon change and there are still plenty of uncertainties within the health sector. “The government is […]

Major Changes Coming to the Health Care Industry

Health insurance plans are extremely important for everyone. Without quality health care plans, individuals are at risk of not only coming down with serious health ailments, but also of getting into major financial trouble because they can’t afford quality care. Of course, in the ongoing war for talent, high quality health care benefits are essential, which is why so many companies prioritize health care plans for their workers. However, there are some significant changes coming to health care insurance industry, causing many health care officials, insurance companies, and millions of Americans to anxiously await 2018. In fact, this uncertainty is one of the only constants in the industry. As 2017 […]

What Happens If I Don’t Have Health Insurance?

If you’re uninsured and living in South Dakota, it’s important that you contact a reputable Sioux Falls insurance company and get covered. No one should go through adulthood without being insured. If you’re not covered, not only will you be constantly terrified of being injured or becoming ill, but you’ll also face plenty of financial penalties as well. As a result, many people wonder, “What happens if I don’t have health insurance?” According to the U.S. Centers for Disease Control and Prevention (CDC), in 2016, there were approximately 28.6 million people without healthcare insurance in the United States. Though the healthcare sector is extremely complicated, purchasing healthcare coverage is often much […]

What Is NOT Covered By Short and Long Term Disability Insurance?

Disability insurance providers are essential for nearly every industry. Without disability insurance, employees would be at risk of losing out on hours, work, and benefits in an unfair way. According to the Bureau of Labor Statistics, roughly 85% of full-time workers and 19% of all part-time workers (within the private sector) had access to some kind of medical care benefits (as of March 2017). It’s important to know, however, what exactly is not covered by both short and long term disability insurance. Here are some businesses that do not qualify to offer individual or group disability insurance policies: Fishing, hunting, and trapping companies Gambling establishments Professional sports teams Massage parlors Trucking companies hauling […]

FAQs: Understanding The Many Medigap Insurance Policies

Every single day, nearly 10,000 Americans who are 65 years of age or older enroll in Medicare for the very first time. However, because classic Medicare doesn’t cover some very important medical expenses, there is a great need for supplemental health care plans. Nicknamed “Medigap insurance,” these supplemental plans help thousands of seniors pay for necessary medical expenses that they would struggle to afford otherwise. If you’re exploring the many types of Medigap insurance policies for the first time, here are some frequently asked questions that will help you understand Medigap insurance. How many Medigap insurance plans are there? The current plans are Plan A, Plan B, Plan C, Plan […]