You went through the Healthcare.gov Marketplace, called your AC Financial Adviser and bought your healthcare coverage, but is that all you need? When it comes down to it, paying deductibles and coinsurance payments can be overwhelming. Then throw in even a one day hospital stay, with an average cost of $1,200 to $2,200 or an…
What if you could tailor your insurance policy so that at the end of a certain period of time you could get a refund of your premiums paid, tax free? Not just with certain life insurance policies, but with other policies, you can purchase Return of Premium Riders that allow you to take a refund…
New Year’s is just around the corner, and every year people tend to think about resolutions having to do with weight loss, fitness and other life changes. Instead of making a change that lasts only a few days or weeks, why not start looking at a change that can make a difference in your quality…
Fifteen years ago when my father-in-law had heart bypass surgery, I should have realized I was looking into a crystal ball. As my husband and I paced the waiting room, waited for the surgery to be over and then entered the cardiac intensive care unit afterward, the thought crossed my mind briefly that this…
When my children were little, in lieu of gifts at Christmas or birthday time, their grandparents invested in their future. When it came time for them to enroll in college the funds they’d invested in a life insurance policy had earned enough cash value to help get my children started on their way. Whole life…
For the last week or so I’ve been receiving email and text messages about open enrollment for Health Care. Between November 15 and December 15 we have the opportunity to make changes to our health care plans for the 2015 coverage year. You might be wondering why you’d want to change? Perhaps the health care…
Everyone knows that we recuperate better in our own homes. There are familiar sounds, smells and the people who come to visit or stay help us to heal when we aren’t feeling the stress of a cramped nursing or rehabilitation facility. That said, the cost of hiring a private duty caregiver can be prohibitive and…
In the last few weeks I heard of two very young men who left behind their families very suddenly; one of whom I knew personally. One day they were watching their children compete in sporting events and the next they were gone. The circumstances in both instances were similar enough, I thought they were the same people,…
Over the last decade the cost of a hospital stay has continued to rise, and there doesn’t seem to be any sign it will be slowing down soon. Depending on the hospital, length-of-stay and the illness you’re being treated for, you could be left with out-of-pocket costs that leave you with little or no savings.…
A friend of mine has a good friend who has skyrocketing healthcare costs because of a catastrophic illness. She’s hosting fundraising events to help her out, but even those will only help so much. In the end, her friend will be left with tens of thousands of dollars in bills to be paid. The sad…