• When shopping for health insurance plans as an individual, you have options. Listed below are the most common types of health insurance. If you need help understanding what you qualify for or which option will work the best for your situation, reach out to one of our dedicated, local advisors.  The Affordable Care Act Health …

  • Understand Your Health Insurance It is important to understand how health insurance works so that you can make the best decision for yourself and your family. Reading through a list of technical terms can still be confusing, so we have included an infographic to help you understand the basics.  There are five terms that everyone …

  • Choosing the Right Plan When enrolling in Medicare, you have choices to enhance your plan. You can keep original Medicare, add a Medicare Supplement, or enroll in a Medicare Advantage plan. Original Medicare has no max out of pocket limits. So if you have a $100,000 medical bill, you may pay up to 20% or …

  • How to Enroll in Medicare Many people wonder how to enroll in Medicare. Enrolling in Medicare is simple – your cards will be automatically mailed out to you three months before you turn 65, or in the 25th month you receive disability benefits. If you are not automatically enrolled in original Medicare, you can also …

  • Medicare is the United States’ health insurance program for people age 65 and older, have disabilities, or have permanent renal failure. Here is a brief breakdown of the different parts of Medicare and what they cover. Give us a call or schedule a time to talk to one of our advisors if you are feeling …

  • The following article was originally published on Investopedia, and it reviews the most common causes of bankruptcy. Medical expenses is the top reason for bankruptcy in America. In the event of a large medical claim due to a hospitalization or accident there are many expenses that will not be covered by your health insurance including …

  • This article was originally published on SmartAboutMoney. Contact one of our advisors for more information about disability insurance. Why You Need Disability Insurance Disability insurance provides a source of income to people who are unable to work due to an accident or illness. Remember that your earning power is one of your greatest financial assets. …

  • Having a baby changes everything. If you’re thinking about starting a family soon, there’s lots to consider. Even if you aren’t a parent yet, life insurance shouldn’t be on the backburner. With a growing family, it’s important to understand the ins and outs of life insurance. Here’s what you need to know.  The Cost of …

  • Is your employer provided life insurance coverage enough?  Many companies offer life insurance as an employee benefit, but these policies may only provide a fraction of the coverage you actually need.  Spoiler: It’s probably not enough Employer-sponsored policies typically offer coverage that is about 1-2X your annual salary. However, financial experts recommend having coverage that …

  • Own a home? You might need life insurance.  Owning a home can be one of the largest financial obligations you may have in life. If something unexpected happened to you, your mortgage could quickly become unaffordable for your partner, or any co-signers. That’s why life insurance is a great idea for many homeowners.  Mortgage debt …