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Medicare Advantage plans can be very attractive at first glance. Most of them offer very low monthly premiums. There are even many MA plans available with a zero premium.

So, they can be very tempting for people who are in overall good health and who don't expect to consume a lot of health care. But if you do need care, the situation can change, fast.

As the workforce ages and many employers want to keep on baby-boomer staff who have the experience and institutional knowledge that is irreplaceable, one issue that always comes up is how to handle health insurance.

Once your older workers reach the age of eligibility for Medicare, under current law you can help them pay for Part B and D premiums with a Medicare Premium Reimbursement Arrangement. These types of arrangements are legal for only certain sized employers, though. Get the details here.

When you look at the dental options for your employer-sponsored health plan, or if you're just looking at the options available on the market, you may encounter the acronyms DMO and PPO (also known as a PDN), as well as indemnity plan, in the marketing literature.

These terms describe types of dental insurance plans. To pick the best plan for your own needs, you'll need to know how each type is structured, and the advantages and disadvantages of each. This item explains.

Medicare Part D drug plans already cover the trendy weight-loss drug Wegovy for diabetes patients, but Medicare now will also start covering it when prescribed for reducing the risk of heart attacks and strokes.

Wegovy is part of class of drugs called GLP-1s. They were originally developed to treat diabetes, but patients who take the drug typically lose significant amounts of weight. As a result, people have been clamoring for them. Medicare's decision to cover Wegovy for lowering the risk of heart disease and strokes is huge news for the senior community. We've got the scoop.

With tax season upon us your personal information is floating around everywhere and identity thieves are working overtime to steal it. From Social Security numbers to employer and income information, it's an identity theft nightmare waiting to happen.

Don't think it can happen to you? According to Javelin Strategy and Research, 40 million U.S. adults were victims of identity theft in 2022, resulting in $43 billion in losses

The Biden administration has rolled back regulations that allow Americans to stay on short-term health insurance plans for up to three years while still satisfying the Affordable Care Act's individual mandate.

These controversial plans are not full-fledged health plans; they offer limited scope of insurance that caps coverage for many services, and they are not subject to ACA consumer protection rules that bar discrimination and guarantee coverage regardless of pre-existing conditions. Here's what the new rules do.

If you've noticed a lot of employees asking for time off for a "mental health day," you aren't alone.

A recent study found that the number of mental health leave-of-absence requests has grown by a third since the COVID-19 pandemic. And, data from ComPsych, a provider of employee assistance programs, shows that such leave requests have skyrocketed by more than 300% in the past six years. With stress and anxiety piling up for American workers, what's an employer to do?

A recent study found that employers who offer health insurance coverage to their staff had an average return on investment of 47%, meaning that for every $1 an employer spends, it will receive $1.47 in benefits.

The study confirms that offering health coverage does more than meet a basic need for your staff. Employers that offer this coverage are more successful in the competition for talent. So how exactly is that return on investment generated?

If you have accumulated significant cash value within a permanent life insurance policy, congratulations.

Thanks to the tremendous tax advantages that Congress has given to provide for incentives for families to protect themselves with life insurance, and to the protection aspect itself, a life policy is a great place to keep money. This item looks at some of the most common options for dealing with your policy's cash value.

According to a study conducted by the Society of Actuaries, paying for long-term care and inflation were the two main concerns of individuals who were nearing retirement or those who had recently retired.

The study's purpose was to identify financial decisions and resource management habits for pre-retirees and retirees. The survey found that the majority of pre-retirees were unprepared for the future. 

As summer approaches, many families with children will buy trampolines or bring one out from winter storage so the kids and their friends - and maybe even parents - can bounce to their hearts' delight.

But while they are fun, they can also be dangerous, with 100,000 Americans seeking emergency-room treatment for trampoline-related injuries a year, according to the U. S. Consumer Product Safety Commission. This means you have a potential liability should a guest be injured playing on a trampoline.

With the California commercial property and homeowner's insurance markets increasingly stressed with fewer and fewer insurers willing to write policies in the Golden State, the insurance commissioner has floated a plan aimed at easing the crisis.

The main thrust of the proposal is to make it easier for insurers to get their rate-hike requests approved, efforts that have been stifled due to regulations that have been on the books since the early 1990s. This is part of a multi-pronged plan aimed at fixing the distressed property insurance market in California.