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Enrolling in Medicare for Baby Boomers

If you are a Baby Boomer, it’s your time! Why?  Until the year 2030, 10,000 people daily will turn 65. Lucky you! When that happens, you will be eligible for MEDICARE. The government’s book on Medicare is more than 100 pages!  And it’s boring.  Below is my condensed version, more like a Reader’s Digest article. What we are reviewing in this article is […]

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“Short-Term” Health Plans – Better Fit for You and Your Family?

Not all health insurance plans are created equal Some health plans are meant to cover you and your small business for a very long time, and others are meant to cover you for short terms, and others only cover limited conditions. However, just like long term plans, there are hidden pitfalls that you might not […]

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5 Strategies Business Owners are Using Today

5 Strategies for Using Life Insurance to Protect Your Business Every day, as a business owner, the decisions you make will affect many people in your orbit.  This will come as a surprise for many, but a valuable tool for you in solving various needs is Life insurance. Most believe when we say life insurance […]

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Obamacare (A.C.A.), Medical Cost-Sharing Plans, and even more…with Help Insure Us

Which Type of Health Plan offers Small Business owners the Best Value? Unless small business owners are receiving subsidies from the government to help pay for your Obamacare plan, some of you are having to pay upwards of $20,000 dollars a year for Obamacare coverage. And you STILL have to meet a deductible before they pay […]

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Must-Know’s When Choosing a Life Insurance Beneficiary

Tips for choosing a life insurance beneficiary Reading Time: 6 minutes Choosing a beneficiary for your life insurance policy is a decision that might not be as easy as you think. A beneficiary receives assets if you die while the policy is still active. But deciding who gets your money isn’t always just a matter […]

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When to Review a Life Insurance Policy

Your life insurance policy can offer assurance and stability for your family should you pass away. But that policy needs to be revised and updated from time to time, especially when a life-changing experience occurs. Review your policy if one of the following events occurs. Having a child Having kids is a lot of responsibility. […]

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Should I Ask for the Cash Price at My Doctor’s Office?

What happens if a PROVIDER joins a provider network such as a CIGNA HMO or PHCS PPO or BC/BS HMO? Answer: The provider has agreed on “negotiated” pricing for patients with a health plan using those networks.   FACT:  Negotiated rates paid by YOUR HEALTH PLAN to doctors are sometimes more than the cash price […]

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Yikes! What she found in her medical records was devastating

First off, understand this. They’re YOUR medical records. Recently, someone applying for one of our health plans learned something that truly shocked her. Written in her records was a diagnosis that she has a debilitating muscle disease – and the doctor never told her! You may have a medical condition listed in your medical records […]

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What is TERM insurance?

TERM LIFE INSURANCE is so-named because it is designed to last a specified period of time – a term. You have a TERM in school.  A politician has a TERM in office. WHOLE LIFE insurance is the opposite of term life. It is designed to last a lifetime.  A great benefit is that it accumulates […]

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