You’ve likely heard the word “dependents” in regard to your taxes or your insurance benefits. But who is typically considered a dependent? Dependents eligible for coverage in benefits plans usually…
You’re not feeling well, or you have a chronic problem you can’t shake. How do you know what doctor to see? Can you visit your primary care physician for every…
Urgent Care Centers are quickly becoming a staple of modern communities. You can find them easily and quickly just by driving around town. But there are a few things to…
Prescription medication, whether for an illness or a chronic need, is an important part of your medical insurance benefits. But some levels of medication cost more, and these types are…
Accidental Death and Dismemberment insurance, known as AD&D in the insurance world, can be confusing. Typically, this benefit is a provision that covers unintentional death and/or dismemberment. Dismemberment, however, can…
It’s important to be prepared in case you ever get seriously sick or injured, and thinking about it can be tough. But while the subject is nerve-wracking, being out of…
If you get hurt or sick and need to miss work, what are your options to keep up with your bills? Short-Term Disability (STD) benefits provide financial support to replace…
Life is unpredictable — you never know what might happen. So it’s better to be safe than sorry, and accident insurance can help give you that peace of mind. What…
Talking about death and finances is awkward. However, these important conversations can help avoid heartache and stress later down the road. For example, it’s important to talk about who will…
With the amount of personal information circulating today, identity theft has become a concern for many people. If your Social Security number, bank account, or credit card information falls into…
We’re all looking for ways to simplify our lives. Consider the time and money that can be saved by using a mail-order pharmacy, pharmacies that ship your prescriptions to you…
Without its employees, a company can’t do much. So today, many employers are offering different ways to show how much they value their employees. One way they do this is…
The kids are out of the house, but are they off your insurance? Whether kids leave on their own or are taken off insurance at age 26, change is on…
Becoming a parent is an exciting time. When your child is born, you want to spend as much time with him or her as possible. But though maternity leave is…
Many employers offer Employee Assistance Programs (EAPs) as an additional support option for employees and their families. EAPs help address those needs through free and confidential assessments. Issues EAPs can…
Do you wear glasses or contacts? If so, chances are you’ve thought about LASIK. LASIK (laser-assisted in situ keratomileusis) is the most common form of laser eye surgery used to…
When you’re sick, the last thing you want to do is get out of bed and head to the doctor’s office. And if you get sick suddenly, there’s no guarantee…
In today’s increasingly independent world, a movement is underway to shift healthcare spending power to the consumer. However, it can be difficult to determine what you will pay for a…
Ready to quit smoking, but not sure where to start? Joining a tobacco cessation program could be the help you need. Studies show that using tobacco cessation technologies and programs…
You’ve probably heard that it’s better to go to an in-network doctor, but what exactly does that mean? How can you tell if your doctor is part of your insurance’s…
When your family is growing, there’s a lot on your mind. Don’t forget insurance coverage during pregnancy. Pregnancy and childbirth care are covered by all Health Insurance Marketplace and Medicaid…
When the time comes to choose the health care benefits that are best for you and your family, you’ll undoubtedly be presented with a multitude of options. We all hope,…
Many of us consider our pets to be part of the family and, just like any other family member, our furry friends are bound to have some medical expenses from…
Good nutrition and exercise habits both have a significant impact when it comes to your health, but don’t neglect your preventive and diagnostic care appointments. Whether you’re dealing with a…
Each of us has unique DNA. Obviously, this affects our physical characteristics, but it’s also key to our health. To tap into that knowledge, consider hyper-personalized healthcare — optimizing medical…
Planning on traveling outside the country? Many insurance plans don’t extend coverage for accidents or illnesses outside the United States. In the event of a medical emergency or evacuation, travel…
Healthcare cost transparency is the ability of the patient to discover how much a particular medical service or treatment costs, preferably before receiving the service or treatment. In practice, the…
Thinking about quitting smoking? Your health insurance plan may be able to help. The Affordable Care Act (ACA) and other federal regulations require almost all health insurance plans to cover…
According to the U.S. Department of Health and Human Services, someone turning age 65 today has almost a 70% chance of needing some type of long-term care services and supports in their…
With corporate wellness programs on the rise, biometric screenings are more popular than ever. And when employees are living healthy, taking preventative measures to keep disease at bay and are…
Pregnant or thinking about becoming pregnant? Prenatal care, which is covered at 100% by most insurance plans, is key. Regular visits to an OB/GYN for physical exams, ultrasounds and blood…
A deductible is the amount you pay for covered health care services before your insurance plan starts to pay. For example, with a $1,500 deductible you pay the first $1,500…
A growing number of companies offer Workplace Transportation Accounts (also known as a Commuter Savings Accounts or Commuter Expense Reimbursement Accounts). These accounts offer employees the opportunity to contribute pre-tax…
Most people make changes to their health insurance plans during their company’s annual enrollment period, which is typically in the fall. But did you know that you could also make…
It’s a rare few who emerge from childhood with naturally straight teeth. For everyone else, a trip to the orthodontist is in the cards. That perfect smile, though, doesn’t come…
In order to rein in rising healthcare costs, many companies are now offering company wellness plans to complement company provided-medical insurance. These wellness plans can look very different at various…