Most working Americans are insured through their employers. You will most certainly lose your health insurance when you lose your job. So, let’s look at what are the possibilities to get health insurance. OPTION 1: COBRA You may keep the same insurance plan with your company by paying the full premium. This is usually an.. read more →

There is no separation between the mind and body. They are two layers of your overall health. Your state of mind reflects through your body, and what you do every day also impacts your mental fitness. They have such a strong relationship that whenever one has a problem, the other is affected. Because of that,.. read more →

Of concerns about aging and retirement, running out of money is the top overall worry for middle and upper-middle-income Americans, while suffering an illness or disability that would require chronic care is 3rd on the list. Even though it’s not their top issue, the vast majority of consumers are concerned about suffering a chronic condition.. read more →

Workplace stress was already a severe problem before COVID19 hit, with 83% of employees telling the American Institute of Stress in 2019 that they suffer from work-related stress.  But with more people working from home, researchers say they expect to see work-related stress become even more prevalent, as the boundaries between work and home life.. read more →

Having healthcare coverage protects you and your family from unexpected medical costs.  Many need healthcare coverage options during this uncertain and challenging time. If you lost employer group medical coverage, you might qualify for Special Enrollment (SEP) to enroll in an ACA/Marketplace qualified medical plan which covers pre-existing conditions, exams and medications.  However, premiums may.. read more →

Life Insurance is one of those things many people try to get around buying someday, but for various reasons just hasn’t done it yet.  In most cases, the best buy would be Level Term Life Insurance.  It’s fairly easy to get until around age 70, depending on your overall health situation.  Once you get into.. read more →

Although most people become eligible for Medicare when they turn 65, medicare eligibility is also triggered for people under age 65 once a person has been receiving disability benefits for 24 months, or has ALD or end-stage renal disease. read more →

In most areas of the nation, Medicare recipients can choose Original Medicare or a Medicare Advantage plan. Original Medicare is provided directly by the federal government, which includes Medicare Parts A and B and can be supplemented with a Medigap plan. Private insurance companies administer Medicare Advantage at a low affordable cost. While it consists.. read more →