Celebrating Native American Heritage Month
Posted: November 1, 2021
In 1990, President George H.W. Bush established November as Native American Heritage Month. The rich traditions, cultures, and histories of the Native people deserve to be understood, celebrated, and honored throughout the country. During this month, we should all focus on creating a more positive experience for Native peoples by gaining a deeper understanding of their cultures and ways of life. Rich and Diverse Cultures:...
Should Your Business Offer an HRA or HSA?
Posted: October 28, 2021
HRAs and HSAs are two very popular, tax-advantaged healthcare savings plans. These plans differ in several ways, including who is eligible to participate, where contributions come from, and what kind of health plans can be combined with them. Before deciding which one is better for your company, it is important to understand what these plans are, what benefits they provide, and the key differences between...
Standard vs. Hybrid Life Insurance: Which Is Better?
Posted: October 22, 2021
Standard life insurance has a single purpose – to provide death benefits to your beneficiaries. Hybrid life insurance combines long-term care insurance and life insurance in a single policy. If you become disabled and unable to live independently, it covers the costs of your care, at home or in a facility. It will not cover medical expenses, such as doctor visits, surgical procedures, or prescription...
Tips for Avoiding Medicare Fraud and Abuse
Posted: October 21, 2021
Medicare fraud is committed when someone knowingly deceives Medicare to get payment or a higher payment than the healthcare provider is entitled to receive. Medicare abuse occurs with practices resulting in unnecessary costs for Medicare. Examples include overcharging for supplies or services, misusing billing codes, or billing for unnecessary services. Medicare fraud and abuse are more common than you may think. Fraud schemes can range...
A Savvy Business Owner’s Checklist for Cyber Insurance Coverage
Posted: October 19, 2021
Any business that uses computer technology today has to deal with cyber risk. Ransomware attacks are on the rise, and small and medium businesses are being targeted more than ever. With the shift to more people working from home in 2020, cybercriminals are taking advantage of the opportunity to exploit remote workers. Cyber insurance may be essential for a business of any size. The following...
