Do I Need Health Insurance Between Jobs? Losing health insurance when you leave a job can be a major setback. Without insurance, you may have to pay for your own medical care, which can be expensive. You may also have to pay for prescription drugs and other health-related expenses. So, do you need insurance between…
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5 Things You Need to Know Before Getting Flood Insurance It has been almost over a decade since Hurricane Sandy, a.k.a. Superstorm Sandy hit our area at around 8pm local time on October 29, 2012. It remains one of the most destructive, deadly, and costly natural catastrophes in U.S. history. Believe it or not flooding…
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How to Maximize Your Long-Term Care Insurance LTC can help pay for the cost of care if you need help with activities of daily living (ADLs) such as bathing, dressing, eating, or using the toilet. It can also help pay for the cost of long-term care in a nursing home or assisted living facility. However,…
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Borrowing Against Life Insurance With a Life Insurance Loan A life insurance loan is a loan that is secured by the cash value of a life insurance policy. This means that the insurance company will use the cash value of your policy as collateral for the loan. If you default on the loan, the insurance…
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Income protection is a long-term insurance policy that makes sure you get a regular income until you retire or are able to return to work. Types of Income Protection: Here are some of the most common types of income protection insurance: Short-term income protection: This type of insurance provides coverage for a shorter period of time,…
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Best Health Insurance Carriers in New York Health insurance is an essential aspect of maintaining one’s overall health and wellness. It is especially crucial for individuals living in the state of New York, where the cost of medical care is one of the highest in the country. With so many health insurance options available, it…
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Difference Between Medicare Advantage & Medicare Supplement Plans Medicare Advantage plans (also known as “Part C”) and Medicare Supplement plans (also known as “Medigap”) are both options for individuals who are enrolled in Original Medicare (Part A and Part B). Medicare Advantage plans are offered by private insurance companies and provide an alternative way to…
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Sole Proprietor Health Insurance As a sole proprietor, you are your own boss and you are responsible for your own health insurance. There are a few different options available to you, including: Individual health insurance: This is the most common option for sole proprietors. You can purchase a plan directly from an insurance company or through…
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Understanding Medicare: A Comprehensive Guide to Current Plans and Common Questions Are you approaching retirement age and wondering what your healthcare options are? Look no further than Medicare, the federal insurance program that provides coverage for millions of Americans over the age of 65. There are several different Medicare plans to choose from, each with…
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The Different Types of Group Health Insurance When you’re searching for a group health insurance plan for your business, you need to know which ones benefit you the most. While one may look good at first glance, there may be conditions that make it less than ideal. Before you decide on a plan, know which…
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