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Long Term Care Crisis- Are You Covered? What You Need to Know

Prudential Insurance recently announced that they would no longer be writing individual long-term care policies. Their move follows that of Met Life Insurance, who also decided to no longer write these...

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How to Plan for Social Security and Medicare

By FY 2021, the OMB ( Office of Management and Budget) projects that these two programs will rise to 39% of total spending.  If we maintain this rate our country will not be able to invest in defense,...

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Hidden costs of the Healthcare “Affordability” Act

The implementation of Obamacare has resulted in many physician groups being bought out by their local hospitals.  One of the factors driving this transition is that hospitals have greater negotiating...

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New Health Insurance Exchanges

The health insurance exchanges as designed by the ACA (Affordable Care Act aka Obamacare) will be open for business October 1.st  Consumers who are uninsured, self-employed, or who own small businesses...

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How to Navigate Your Doctor Bills

“My sister had a colonoscopy, which she was due for. The first one she did have diarrhea so they ended up coding it a diagnostic. Now she has to pay the full amount due to her high deductible. Can my...

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Medicare Open Enrollment Begins October 15th.  Here is what you need to know.

Open enrollment for Medicare in 2015 runs from October 15th to December 7th.  During this time, Medicare enrollees have the opportunity to make changes to their coverage.  They can change from Original...

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