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Monthly Archives: April 2013

What Does Medicare Cover?

What Does Medicare Cover?

What Is Medicare? Medicare is the federal health insurance program for elderly persons and certain disabled individuals. In 1965, Medicare was enacted to provide a “safety net” of health-care coverage for qualifying individuals. Medicare is packaged in two major parts. Part A is hospital insurance protection. It covers hospitalization, some hospice care, and a limited […]

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Am I Prepared for Long-Term-Care Expenses?

Am I Prepared for Long-Term-Care Expenses?

In general, Americans are not sufficiently prepared to pay for long-term care. Many of them go through their lives simply hoping that they won’t ever need it. Unfortunately, in the event that you or a loved one does need long-term care, hope won’t be enough to protect you from potential financial ruin. Also, the odds […]

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What Is the Difference Between an HMO and a PPO?

What Is the Difference Between an HMO and a PPO?

Selecting health insurance is often one of the most important decisions you will make. Health maintenance organizations (HMOs) and preferred provider organizations (PPOs) are types of managed health-care plans and can cost much less than comprehensive individual policies. Through the use of managed care, HMOs and PPOs are able to reduce the costs of hospitals […]

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How Can I Extend My Liability Coverage?

How Can I Extend My Liability Coverage?

In this litigious society, no one is immune from potential lawsuits. Anyone with significant assets might need protection from the devastating effects of a liability lawsuit. Elected officials and members of boards may be especially vulnerable. It’s not uncommon for plaintiffs to name everyone involved in an incident who has any perceived authority, responsibility, or […]

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What Types of Health Coverage Are Available?

What Types of Health Coverage Are Available?

Rising health-care costs have driven the demand for, and the price of, medical insurance sky-high. The availability of group coverage through employment has helped many Americans face such costs. However, people who are not currently covered by their employers have few affordable sources for group coverage. If you are not covered at work, inquire about […]

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