It’s the start of little league baseball season, and time to start those DIY home improvement projects. Things are starting to happen in the great out-of-doors as the temperatures start to rise. With those outdoor activities come a lot more opportunities for the unexpected trip to the emergency room. No one likes to think it…
Just a week before the deadline, the push is on to sign up for the Affordable Care Act, also known as Obamacare. There are a number of reasons people are waiting, but not having healthcare coverage when you need it because you don’t think you can afford it, isn’t a good reason to let the…
That’s the problem with most insurance programs. They don’t cover everything. With employee sponsored health insurance programs, there are either high deductibles and lower co-pays, or lower deductibles with higher co-pays. There are often few or no options for employer sponsored critical illness, accident or long term disability; and what if you are hospitalized? The…
“I thought if I bought a Term Life policy, only my beneficiaries would receive the benefits.” What if you’d been paying into your life insurance policy for 20 years or more and suddenly became ill and unable to work? You’ve paid premiums into the thousands or even hundreds of thousands of dollars, and yet, you…
“During 2013 my COBRA Healthcare Plan was manageable, but January 1st my premiums triple and the deductible/co-pays are exorbitant. I am still unemployed and don’t know what to do. What are my options?” There are a number of changes coming in 2014, including changes to the levels at which the Federal Government is funding Medicaid.…
“My family doesn’t have a lot of doctor visits, and we’re fairly healthy. How do I know which plan to choose?” There are four tiers of healthcare coverage to choose from, and a few other considerations. Michigan is not part of the nation-wide exchange program, but we still have the same options as far as…