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Dental Insurance 101
TOP TIP FOR DENTAL INSURANCE: Decide on your need for insurance based on your dental needs If you do not have many dental problems and go in for the occasional cleaning, check-up, and minor work, it is likely that a plan will not be beneficial for you. DETNAL...
Vision Insurance
Last week I talked about the pros and cons of having dental insurance. Vision insurance is a little bit different story. Usually, I find that people have vision insurance through an employer or have standalone vision coverage through VSP or I Met, which are probably...
Dental Insurance
I've talked about dental insurance a lot in the past. But again, I had a call this week for someone who has multiple family members and needs orthodontics. Orthodontics is expensive, usually between $6,000 and $8,000 per person for the course of treatment, and dental...
Out-Of-Pocket
This week, I thought I would give some clarification on deductibles co-pays, and out-of-pocket maximums. I had a client call me this week that did not understand why they were receiving bills, and why their deductible was not met this year. This particular client had...
PLANNING
I’ve been talking a lot lately about planning and being prepared. One area of life & health insurance that requires preparation is COBRA. So I do want to touch a little bit more on COBRA and Medicare. PLANNING, PLANNING, PLANNING. Moving on to Medicare? If you're...
Self-Employed
SELF-EMPLOYED TOP TIPS: Plan ahead – research before you need to leave your employer’s coverage Use a broker like myself (people trying to sell products will leave you with less-than-optimal plans) Know your options: ACA, Market Place, and private plan options Discuss...
Prescription Costs
Top takeaways: ALWAYS check the costs of your prescriptions Shop around! Look at generic options Check HSARx for name-brand options So this week, I want to talk a little bit about prescriptions and their costs. What most people do not realize is that all pharmacies...
Life-Changing
This week, I want to talk about insurance and life-changing events. What a lot of people do not consider when they're going to have a life change event is how their health insurance is going to be affected. What do I mean by this? If you work for an employer, and...
Sleep Time
Last week I talked about exercise and circulation, and how important it is to get your body moving. We looked at how helpful morning walks are but also touched on the benefit of evening walks. Today is all about SLEEP! Piggy-backing on the fact that evening walks can...
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