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Ah… the allure of vacation. A time to relax, recharge, and enjoy the fruits of your labor. Unfortunately, accidents can happen anywhere: a twisted ankle during a hike, food poisoning at a resort buffet, or a car accident in a foreign country. Instead of tropical umbrellas in your drink you might find yourself in a [...]

Good nutrition is foundational to overall health. Yet, for years, visits with registered dietitians were treated as out-of-pocket luxuries. That’s starting to change. As chronic diseases like diabetes, obesity, and hypertension drive up health care costs, more insurers are recognizing the value of nutrition counseling as a preventive and therapeutic tool. But does your health [...]

If you're self-employed, you already wear a lot of hats: CEO, accountant, marketer, and everything in between. One of the biggest responsibilities that falls squarely on your shoulders is securing health insurance for yourself. Without access to an employer-sponsored plan, understanding your options becomes essential for both your personal well-being and your financial future. Why [...]

Susan scheduled what she thought would be a routine outpatient procedure, an endoscopy recommended by her doctor. She confirmed the hospital was in-network, verified coverage with her health insurer, and even paid the expected copay in advance. But a month later, she received a bill for over $1,400 from an out-of-network anesthesiologist she had never [...]

As a parent, sending your child off to college means you're already thinking about tuition, dorms, textbooks, and meal plans. But what about their health insurance coverage? Whether they're headed across the state or across the country, one question often goes overlooked: will they still be protected under your plan? The answer is far from [...]

Mental health is no longer a fringe topic in health care; it’s front and center. With rising awareness and demand for services, more people are asking: Does my health insurance cover mental health care? The answer is yes, but how much is covered, and in what ways, can vary significantly depending on your plan. The [...]

Term life insurance is one of the most cost-effective ways to financially protect your loved ones during your working years. It offers a guaranteed death benefit for a set period, usually 10, 20, or 30 years. But what happens if you’re still alive when that term ends? The short answer: nothing happens, automatically. If you outlive [...]

When it comes to managing your out-of-pocket health care and dependent care expenses, you may be overlooking one of the most effective tools available: the Flexible Spending Account (FSA). This employer-sponsored benefit allows you to set aside pre-tax dollars for qualifying expenses, saving you hundreds, or even thousands of dollars each year when used strategically. A [...]

As more Americans age into Medicare, the choices between Medicare Advantage and Medicare Supplement (Medigap) plans have become increasingly important. And this is not just for patients, but for doctors as well. While both types of plans offer coverage to Medicare beneficiaries, many physicians favor patients who carry Medicare Supplement plans over those enrolled in [...]

Summer road trips often mean loading up your vehicle with extra gear. Bicycles on a hitch rack, kayaks strapped to roof rails, and storage bins filled with vacation essentials are just a few extracurricular items your vehicle might be tasked with hauling to your next destination. But if something happens to those items while you're [...]