Should You Offer Vision & Dental Insurance To Your Employees? Vision and dental insurance are often seen as add-ons to health insurance, but they can be just as important. Vision and dental insurance can help employees to get the preventive care they need to stay healthy and productive. Additionally, vision and dental insurance can help…
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What Is A Carryover Provision? A carryover provision is a clause in some health insurance plans that allows policyholders to carry over unused deductible payments from one year to the next. This can be helpful for policyholders who have high out-of-pocket medical expenses in one year, as it can help them to meet their deductible…
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Life Insurance In Your Retirement Plan Life insurance is a financial product that pays out a death benefit to the beneficiaries of the policyholder. It is often used to provide financial security for loved ones in the event of the policyholder’s death. However, life insurance can also be used as part of a retirement plan.…
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What Might New York City Not Know About Medicare Advantage Plans? Here are some things that people might not know about Medicare Advantage plans: Medicare Advantage plans are not Medicare. Medicare Advantage plans are private health insurance plans that are offered by insurance companies. These plans must cover all of the services that are covered by…
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Comprehensive Major Medical Benefits Policy Features Comprehensive major medical benefits policy features typically include: Essential health benefits: Covered services must include the ten essential health benefits (EHBs) as defined by the Affordable Care Act (ACA), including hospitalization, outpatient care, preventive care, prescription medication, mental health and addiction counseling, laboratory services, emergency services, pediatric care, maternity and newborn…
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Basic Surgical Expense Coverage Basic surgical expense coverage is a type of health insurance that helps pay for the cost of surgery. It typically covers the surgeon’s fee, as well as the cost of anesthesia and other related services. Basic surgical expense coverage may also cover some of the cost of hospitalization, but it typically…
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Joint Life Policy A joint life insurance policy is a type of life insurance policy that covers two people, typically spouses or domestic partners, under one contract. This type of policy can provide financial security and peace of mind for couples, especially if they have children or other dependents. There are two main types of…
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Gold Health Plan: What It Is and Who Should Get It Gold health plans are one of the four metal levels of health insurance plans offered through the Health Insurance Marketplace. They offer the second-highest level of coverage, after platinum plans. Gold plans typically have higher monthly premiums than lower-metal plans, but they also have…
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How Much Is Group Medical Insurance For Hair Salons in Manhattan The cost of group medical insurance for hair salons in Manhattan can vary depending on a number of factors, including the size of the salon, the number of employees, the age and health of the employees, the types of coverage offered, and the insurance…
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Term Rider A term rider is an add-on to a life insurance policy that provides additional coverage for a specified period of time. Term riders are typically used to increase the death benefit of a policy, but they can also be used to add other benefits, such as a child rider or a guaranteed insurability…
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