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How Does Gap Insurance Work?

What you need to know about gap health insurance

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For many, navigating all the different insurance needed can be an uphill battle. And often, as a result, we don’t look into all of our options when it comes to coverage. However, gap insurance is worth an extra look. So, what is gap insurance, and is it insurance coverage you should consider?Gap ...
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How does Supplemental Health Insurance Work?

Supplemental Health Insurance 101

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Have you considered the possibility of a medical diagnosis or injury that will cost more than your health insurance will pay? For example, a fall in inclement weather, a cooking accident, or a diagnosis that leads to months of treatment can set you back both physically and financially. As the costs ...
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How to Select the Right Insurance Package

Things to Know Before You Pick a Health Insurance Plan

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Health Insurance can be complex, and picking the wrong insurance package can be costly. Choose the right insurance package with the right medical benefits for your family based on these few guidelines, and you will feel more confident about your selection!First, take a deep dive into your family’s ...
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How to Read Your Benefits Package

Health insurance packages overwhelming?

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Health insurance packages can be confusing and overwhelming to understand. There are hundreds of healthcare plans out there, and they each have a range of features that may differ from one to the next. Therefore, you will want to know what types of care your policy covers and the costs along each ...
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How to lower health insurance costs

Reduce your health insurance cost

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We all know that in the U.S., it is practically essential to have a health insurance plan in order to get adequate healthcare when necessary. However, just because you have access to a health insurance plan doesn’t mean that you’re getting the best deal, or the cheapest plan. With rising health ...
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How to Work With an Independent Health Insurance Company

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Let’s face it, seeking insurance is probably not on your list of fun things to do, yet it’s something everyone needs and is an essential part of life. If your employer doesn’t offer you health insurance or you’re self employed you may be in search of purchasing your own health insurance through an ...
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How to Get the Best Small Business Insurance

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Health coverage is a serious decision for small business owners. You need to review a number of factors thoroughly before making a selection, including costs to the business owner, employee healthcare costs, and which healthcare services are covered. You may want to seek advice from a licensed ...
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What is Open Enrollment?

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Open enrollment is an amount of time every year when you have the opportunity to sign up for health insurance. If you don't use this time to sign up for health insurance during the open enrollment, you likely won’t be able to sign up for health insurance until the next open enrollment period, ...
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Benefits of Blue Cross and Blue Shield of Illinois

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With all of the challenges that the healthcare industry brings, Blue Cross and Blue Shield of Illinois continues to rise to the occasion, enabling new discoveries and continuing to be evolved. Here is some background on this leading healthcare provider and some of the benefits. BCBSIL is one of the ...
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What is Short Term Disability?

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If you were not able to work for a few months or became disabled could you afford your living expenses? Most people do not have enough savings to support themselves beyond a month or two, if at all. Studies have shown most people are not prepared to protect their lifestyle and finances in case of a ...
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Common Health Insurance Terms You Need to Know

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Unless you work in the healthcare or insurance industry, understanding all the different terminology associated with a health insurance plan can go from confusing to overwhelming. What’s the difference between Medicare and Medicare Supplement? Are deductibles the same thing as copayments? What does ...
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Medicare Advantage vs. Medicare Supplement

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Medicare Advantage plans allow you to get Medicare Part A and Part B benefits through a private insurance company that contracts with Medicare. Most Medicare Advantage plans include prescription drug benefits, and some may include benefits such as dental services or membership to gyms.When you are ...
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What You Need to Know About A Health Savings Account

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When you’re enrolling in your health insurance, you may see new acronyms, such as HSA, or Health Savings Account. It’s popular for health insurance providers to provide you with a health savings account and can be a great way to save up for medical expenses.  What is a Health Savings Account?An HSA ...
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