While it sounded like a good plan to have health care reform on the go by Labor Day, the deadline came and went. What’s next? Next is what the House chooses to do when they sit in September. Some of the ridiculous issues raised over the summer months have up and gone away, but others remain that will likely be a great deal more contentious and have greater ramifications. The leading issue seems to be […]

Medicare parts A and B provide complete protection or comprehensive coverage. Many Americans believe the combination offers complete protection. This isn’t the case. While many people have both parts A and B of Medicare, they are making a mistake by thinking that they have complete protection. What they have is comprehensive coverage, but this is not the same thing as complete protection. If you go back a bit in history, Medicare has never covered outpatient […]

Buying family health insurance in Illinois isn’t that difficult if you follow a few guidelines. One of the first things to consider is having every family member on a separate policy. While that idea might go against the grain, there is a very good reason for it. It’s a proven fact that some insurance carriers have actually cancelled a whole family’s health insurance coverage because of something that might be wrong with just “one” dependent. […]

To get life insurance there is a routine that has to be followed before one qualifies. It only makes sense that to obtain life insurance the company will want to know as much as possible about the person applying. Knowing as much as possible, of course, usually means a health exam done by a doctor or paramedic, lots of forms to fill out, the routine blood tests, urine tests and saliva tests, not to mention […]

Florida health insurance that is tailored specifically for an individual’s life only makes good common sense. If it wasn’t suitable, why would someone bother to buy it? It’s no secret that Florida health insurance is essential. It is also no secret that it has the potential to be expensive, which accounts for the rising number of uninsured in the state. Recently, the government and a handful of non-profit organizations have started to wade into the […]

Now and then people get into conversations about life insurance, what it does and how much they have, but does anyone really “get” what life insurance is all about? In a nutshell, life insurance gives money to a listed beneficiary (friend, spouse, family member) if the person who holds the policy dies. In most cases, people buy life insurance to cover their final expenses such as the funeral and burial and to provide income to […]

The twenty first century calls for innovative changes in health care across the country. Americans are now able to take advantage of a Health Savings Account, something just a little different than traditional health care insurance. Concerned health care consumers are able to opt for paying current expenses and save for future qualified medical/retiree health expenses on a tax-free basis by buying Illinois HSAs – Health Savings Accounts. These are much better than doctor’s office […]

Life expectancy for Americans is higher than ever – almost 78 years. On the other side of the coin, the death rate has dropped dramatically to 760.3 deaths per 100,000 people. If one sits down and does some math with the life expectancy and lower death rates, the first thing that comes to mind is that if people are living longer and dying less, they will need to have more money to do that. In […]

There are ways to make sure life insurance proceeds don’t become a part of your estate. First of all, if you are in a position to buy additional life insurance, meaning more than what you currently have, not only will you likely save money on the premiums, but you will have the opportunity to put that policy (or policies) into an irrevocable trust. The main reason for doing that is to make sure the proceeds […]

The boom in health care is just around the corner. Not a boom in services, but the day when the health system sees thousands of senior baby boomers entering the health insurance market. If you happen to be selling health insurance, the fact that thousands of new customers will be hitting the market soon will make your day. Baby boomers are poised on the leading edge of being eligible for Medicare in huge numbers, and […]