The Family & Medical Leave Act (FMLA) is a federal law that allows employees to take time off from work because of their own serious medical condition; to care for a spouse, a parent, or a child; or for certain military family leave. Click here to...
Buying & Renewing Health Insurance Coverage Open enrollment to buy health insurance coverage through your State Health Insurance Marketplace closed on February 15, 2015. However, many people are unaware that they will have to pay a penalty on their taxes if they do not have health insurance...
“Hey! Watch your….head” Ouch! “Careful…the floor is ….wet…” Oops! Accidents happen all the time even when we are in the best of health and on top of our game. Nationally, accidents account for 45 million emergency room visits per year. Hopefully most of us have a health insurance...
“Only insure what you cannot afford to lose…” “The best insurance is one you never have to use...
Do you need health insurance for next year? The open enrollment period has begun and if you want your coverage to begin on January 1, 2015 you must sign-up by Monday, December 15, 2014. Confused on how to get started? The links below have all of...
We know that health insurance can be overwhelming and stressful. But it doesn’t have to be. The Patient Protection and Affordable Care Act (ACA) includes changes to make it easier to shop for, and purchase, insurance. As we approach the second open enrollment period (November 15,...
Cancer rights attorney and advocate, Joanna Morales, shares her advice for managing the financial impact and questions that accompany a cancer diagnosis. Most cancer survivors are unaware of their rights and the resources available to assist them through the vast maze of legal, employment, and...
On January 1, 2014, many of the new provisions of the Patient Protection and Affordable Care Act (ACA) went into effect. One of the largest changes is that insurance providers can no longer engage in a process called medical underwriting. Medical underwriting was when insurance...
Before the Affordable Care Act, people with Medicare Part D coverage, often fell into a coverage gap, where they would have to pay thousands of dollars out of their own pocket to get the prescriptions drugs they need. A standard Medicare Part D plan works like...
Imagine choosing a health insurance plan, through your employer, the Health Insurance Marketplace, or even directly from an insurance company. You pay your monthly premium and then you go to the pharmacy to fill your very expensive prescription, only to be told that your insurance...