If you’re like the millions of small-business owners across the country concerned about health insurance, you’re probably a bit confused and concerned about the ever- changing laws and seemingly never ending increase in cost. If you’re deciding whether or not to offer your employees insurance in 2014, here are a few suggestions to consider.
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Can you afford to go without health insurance coverage? Paying out of pocket for services, replacements and accidents is often too expensive to be an option. Health insurance is expensive, too, but it reduces your out-of-pocket expenses by thousands of dollars. Here are some tips to help you find the best health insurance coverage to fit your budget:
Medicare supplements are growing in popularity these days. But what exactly is a Medicare supplement and is it right for you? Sold by private insurance companies, a Medicare supplement plan (often referred to as Medigap) can help an individual with health care costs not covered by Medicare. These plans can be a tremendous help to individuals on a fixed income. It is also reassuring to know that most standard Medigap policies are renewable even if you have health issues. As long as you continue to pay the premium, you’ll be covered.
One of the most common questions an insurance agent is asked is, “Do I need life insurance?” The most common answer to that question is, “It depends.” There are many things to consider before deciding what is right for you and your family.
Do you have children? Many families depend on two incomes to make ends meet. If one parent dies, it is imperative that a life insurance policy is in place to protect the financial future of the family. Even if one spouse does not work outside the home, they contribute a great deal to the family’s lifestyle. Single parents have the entire burden of their family’s financial security on their shoulders. If a single parent dies, there may be no one else to provide for the children. |