Why your medical insurance isn't always enough

Sadly, few things in life are perfect. Your medical insurance is no exception; even great medical insurance policies can have gaps in coverage that leave policyholders on the hook for high, unexpected medical costs. That’s why voluntary benefits are offered as a solution to help cover those costs. Below are some common examples of how people can receive surprise, costly medical bills and how voluntary benefits can help you avoid them.

Posted on July 16, 2019 in Consumer

Four things you didn't know about accident insurance

Accident insurance sounds straightforward – if you get injured, you can receive benefits to help cover the cost of treatment. However, if you have a policy or are considering purchasing a policy, here are some lesser-known features of accident insurance to be aware of that can help you effectively use your policy. 

Posted on June 27, 2019 in Consumer

Budgeting for life insurance - costs in context

Consider this — if you were to rank your financial priorities, where would life insurance land on that list? All too often, misconceptions about the cost of life insurance deter employees from purchasing coverage that could protect them financially. This is particularly true of young people who tend to prioritize other purchases. In fact, 57 percent of millennials feel that paying for internet, cell phones, or cable is more important than purchasing life insurance.1 In reality, life insurance is likely more affordable than you think and it’s best to be prepared for the unexpected. 

Posted on June 25, 2019 in Consumer Life Insurance

The importance of preventative care

Health and wellness ranks higher on some people’s priority list than it does for others. But, no matter where you fall on the spectrum, it’s beneficial to keep tabs on your overall wellbeing. Practicing preventative care can help you maintain or improve your health as well as avoid major medical problems down the line.  

Posted on June 04, 2019 in Consumer Health & Wellbeing Wellness

Disability Insurance Awareness Month – A closer look at the numbers

Stats can be tricky, which is why context is always important. For example: a number one selling shoe? Sounds, impressive. But a number one selling shoe at a store that only offers one type of shoe? Not so impressive. So, for Disability Insurance Awareness Month, we thought we’d provide a little more context to some of the stats we see when discussing disability insurance to help drive home the importance of protecting your paycheck.

Posted on May 16, 2019 in Consumer Disability insurance Industry

What it means to be offered voluntary benefits by your employer

Studies show that for 62 percent of employees, benefits played a significant role in choosing to work for their company.  When considering a job offer, medical, dental and vision benefits are likely top-of-mind but as the workforce and healthcare changes, so do the benefits employers are offering. Your company may now offer voluntary benefits in addition to their core medical plans such as life insurance, critical illness insurance, accident or disability insurance. Why are they adjusting their plans and what does it mean for you? 

Posted on May 14, 2019 in Consumer

Understanding the medical gap

Have you ever received a shocking medical bill for an expense you thought would be covered by your insurance? If so, you’re not alone. And, if not, it’s important to understand why this sometimes happens so that you can be prepared. Many people find themselves in this situation due to a medical coverage gap they may not have been aware of.  But what do we mean when we reference this “gap” and where does it come from? Here are a few points to help you better understand and avoid this medical coverage gap.

Posted on May 07, 2019 in Consumer Employee Communication Enrollment

5 steps to take after buying life insurance

Purchasing a life insurance policy is an important step in establishing financial security. Which is why, after purchasing life insurance, you should feel good; you’ve done the responsible thing. But, if you just purchased life insurance and you’re uneasy, wondering “Now what?” – don’t worry, you’re not alone. Purchasing life insurance is just the first step in owning a policy that will protect you and your family for the rest of your life. So, now that you have life insurance, here are a few things you should consider doing to make sure you get the most out of your policy. 

Posted on April 16, 2019 in Consumer

Your insurance translation guide

Navigating the insurance world can be a stressful and confusing task. In fact, 1 in 4 employees would rather clean a teenager’s bathroom than perform their open enrollment; it’s no wonder- deciphering insurance lingo can be a real headache. To help you get a better understanding, we have compiled a list of common, but often misunderstood terms that will give you confidence before, during, and after your enrollment.

Posted on March 26, 2019 in Consumer

Tips for healthy eating

As the seasons begin to change and we find ourselves a few months into the new year, now is an excellent time to reflect on our diet and overall health. While you should aim for a well-balanced diet year-round, many people struggle with nutrition and developing healthy eating habits. If you feel that you could afford to improve in this area, try some of these strategies:

Posted on March 12, 2019 in Consumer Wellness

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