Can I Update My Medigap During Open Enrollment?
Rules for Changing Your Medigap Plan During Medicare Open Enrollment The annual Medicare Open Enrollment period creates opportunities for Medicare beneficiaries to evaluate their coverage. However, many individuals remain unclear about whether they can change their...
Unbundling Healthcare Cost Savings: Inside Roundstone’s Preferred Bundle
Highlights Benefits advisors can help clients reduce healthcare spending by up to 34% with Roundstone’s preferred bundle solution. The preferred bundle combines Bywater TPA, Cigna network, and select PBMs to maximize cost control. Recent internal data shows...
Is Long Term Care Life Insurance Right for You?
Did you know that 70 PERCENT of people over age 65 will need long term care? And there’s a 91 PERCENT chance that either you or your spouse will need long term care…at some point. That’s why there is Long Term Care Insurance. Since the early 1970s, Long Term Care...
Freezing Your Credit: What It Means and Why You Should Consider It
Identity theft and fraud are growing concerns, and one of the best ways to protect yourself is by freezing your credit. This simple yet powerful step can help safeguard your financial future, but many people are unsure about how it works or whether it's the right move...
What is an Independent Health Insurance Broker?
How Independent Health Insurance Brokers Simplify Your Coverage Options Navigating the complexities of health insurance poses challenges for individuals, families, and businesses. The abundance of plan options, variations in coverage, and evolving regulations make...
Captive Insurance vs. Self-Insurance
Highlights Group captive insurance is a type of self-insurance. Participants share risk with other members. A group captive can make self-funded insurance more accessible to a small or midsize companies. Both options can provide greater control over healthcare costs....
Do Auto Body Shops Report Damage to Insurance?
The process of reporting damage and filing a claim usually begins with a vehicle owner, however there are some cases when an auto body shop will directly communicate with your car insurance company. In this article, we’ll address: When body shops communicate with your...
The Importance of Clear Headlights for Safe Driving
Headlights are one of the most important safety features on your vehicle. They help ensure you can see the road clearly at night, in bad weather, and during low-visibility conditions. However, over time, headlights can become cloudy, dim, or misaligned, reducing their...
Decoding Out-of-Pocket Maximums: A Key to Smarter Health Insurance Choices
How Health Insurance Brokers Can Impact Your Out-of-Pocket Maximums Costs Navigating health insurance alone can feel overwhelming, especially when evaluating how out-of-pocket maximums influence overall costs. These limits are important when determining the financial...
Critical Illness Insurance. It’s Needed More Often Than You Think.
Do you know anyone who has suffered from cancer, a heart attack or a stroke? The answer is almost certainly “yes.” Consider these statistics: Every 34 seconds, someone in the U.S. will suffer from a coronary event Every 24 seconds, someone in the U.S. is diagnosed...