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COBRA Changes - Premium Reduction Under the American Recovery and Reinvestment Act of 2009

New COBRA Changes Reduce Premiums by 65%
The latest stimulus package, also referred to as the American Recovery and Reinvestment Act of 2009 has included a provision that will reduce the COBRA health coverage premiums by 65% for those who qualify. With job losses mounting and many individuals relying on health insurance through their employer, this [...]

Comparing Deductible, Co-Pay, and Co-insurance When Looking at Your Health Insurance Benefit Options

If you’re covered by a health plan, you’ve probably encountered the words deductible, co-pay, and co-insurance a number of times when examining your bills, paying your doctor for a visit, or simply looking at the benefits package from your employer. These terms can be a bit confusing, and with all of the limits, maximums, and [...]

Protect Yourself from Catastrophic Loss With the Often Overlooked Umbrella Policy

What happens when you are sued for more than your basic homeowners or auto insurance policy covers and are found liable? Well, for most people, it would mean liquidating unprotected assets in order to satisfy the judgment. This may mean garnished wages, selling property, and possibly losing some of your investments. This is certainly a [...]

5 Quick Homeowners Insurance Tips That Can Save You Money and Your Home

Your home is likely your most valuable asset–make sure it is properly protected. While insurance agents will help determine the kind of coverage you can buy, it is ultimately your responsibility to know what the policy covers. And remember, insurance agents are salesmen and typically work on commission. This isn’t a bad thing, but be [...]