Open enrollment is done not just for your health. It is a time when everyone covered in the group health insurance plan can make changes in their coverage. There are so many options (e. g. PPOs, HMOs, etc.) that it is better administratively to do things in a given period. That way, the HR staff […]
Read MoreWe are going through some interesting times. The coronavirus has effectively placed the United States economy in a lockdown with workers sent home to avoid infection. It is hard to say when things are going to get back to normal, although President Trump is pushing for business to get back on track by Easter. We […]
Read MoreHealth insurance is a major concern for any sensible adult. It means the cost of medical treatment is shared between you and the insurance company. A look at a health insurance policy will tell anyone that health insurance companies pick up the lion’s share of any expense. Coverage is a benefit worth having, but is […]
Read MoreMany people evaluate health insurance costs by how much they pay for their premiums. However, if you want to lower your health insurance costs, understanding your deductible is more important than your premium. A deductible is an amount you need to spend on your health insurance until your coverage begins. After you pay your deductible, […]
Read MoreIf you lose your job, you don’t need to give up your job-based health insurance – at least not right away. The Consolidated Omnibus Budget Reconciliation Act of 1985 (COBRA) allows employees and their dependents to temporarily maintain their employer-sponsored health insurance benefits after leaving a job. While the opportunity to continue your current coverage […]
Read MoreEver wonder why your premium increases every year or why health insurance is so expensive for some people and less for others? The answer is in how health insurers calculate the monthly premiums. Before signing up for a health insurance plan, it’s important to understand the factors affecting the price of your insurance premium and […]
Read MoreIn today’s gig economy, self-employment is becoming more attractive for people seeking more freedom and flexibility in their jobs. While self-employment offers a number of advantages, one major drawback to leaving your corporate job is health insurance coverage. The majority of Americans obtain health insurance coverage through their employer. Self-employed individuals are on their own […]
Read MoreIf you want to buy a car, you can purchase one whenever the mood strikes you. Health insurance doesn’t work the same way. If you want health insurance, you can only sign up or make changes during an open enrollment period. You have to wait until next year’s open enrollment unless you are eligible for […]
Read MoreHealth insurance is a popular topic in our country. People talk about how expensive it is and politicians share their ideas on how to lower the costs. The discussions usually focus on one question – whether public health insurance or private health insurance is the best option to bring down the exorbitant cost of healthcare? […]
Read MoreThese are times that will try everyone’s souls. The coronavirus pandemic is causing the government to take drastic actions and people are being quarantined all over the country. Employers are temporarily furloughing their workforces to reduce the risk of spreading the virus. It means that millions of people in the United States are going to […]
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