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Not every service or expense is covered under Medicare Part A or Part B. And sometimes the patient and Medicare administrators can disagree over whether an expense should be covered. If Medicare denies you a claim under Parts A or B (hospital coverage or doctor's office coverage, respectively), you have the right to appeal. But you need to know the process. 

Millions of Medicare beneficiaries who rely on continuous glucose monitors and insulin pumps to manage diabetes could face significant changes in how they obtain and pay for these devices starting Jan. 1, 2028.

For beneficiaries who rely on these devices to manage their diabetes, the changes could mean having to switch suppliers, potentially losing access to their preferred equipment and paying a monthly rental fee instead of owning their devices. If you use one of these devices, you'll want to read this.

The Centers for Medicare & Medicaid Services recently reminded Medicare Advantage enrollees of their rights if their insurer discontinues their plan at the end of 2026, including special enrollment opportunities and protections for purchasing Medicare Supplement insurance.

The guidance comes as some insurers are withdrawing Medicare Advantage plans from certain markets or reducing their service areas for 2027. Here are your options if you are notified that your plan is being discontinued.

Life insurance is designed to provide financial protection for the people you care about most. But even if you have adequate coverage, an outdated beneficiary designation could mean the death benefit won't go to the person you intended.

When you purchase a life insurance policy, you name one or more beneficiaries who will receive the proceeds after your death. Those choices may make sense at the time, but relationships, family circumstances and financial priorities can change.

One of the perennial hassles in the agricultural sector is getting trucks or tractors stuck in the mud, dirt or snow.

Unfortunately, during these times workers stand a greater chance of getting injured, or worse. But you can avoid the chances of that happening by training your workers in safe towing practices when dislodging a stuck vehicle.

One way people in or near retirement try to reduce their overall tax bills is to engage in a Roth IRA conversion, which essentially moves funds from a 401(k) or an individual retirement account into a Roth IRA.

Doing so can provide significant tax advantages, including tax-free withdrawals in retirement. However, you generally owe income tax on the portion you convert that hasn't already been taxed, so timing matters. Here's how to get it right.

As health plan deductibles, copays and coinsurance continue increasing, many people face staggering out-of-pocket costs if they have a health scare that requires emergency room treatment or hospitalization.

If you get health insurance through your employer or purchase a plan on the Affordable Care Act Marketplace, you are likely feeling the effects of these higher costs. Studies have found again and again that many Americans would be in dire financial straits if they experienced a serious health emergency. What would you do if you were suddenly starting at a massive hospital bill?

Buyers of long-term care insurance often focus on just the coverage basics, such as the level of daily benefits, length of coverage and under what conditions the policy will pay a claim.

While these basics form the chassis of the policy, long-term care policies offer a host of other options that may prove beneficial to the policyholder. Take a look at these features.

A study by the International Communications Research found  that more than 55% of working adults would not be able to cover their living expenses if they became disabled and could not work for more than a year. 

Slightly more than 10% of the survey's participants believed that they may become disabled at some point. Unfortunately, most  people did not understand the full financial impact should they become disabled. 

As the holiday season approaches, many businesses are preparing to deck their halls with festive lights, Christmas trees and other decorations.

But these displays can introduce workplace hazards that employers may not encounter during the rest of the year. From electrical fires and overloaded circuits to trips and falls, holiday decorations can put employees and office visitors at risk. They can also create compliance issues under OSHA regulations and local fire codes.

Life changes quickly and your insurance coverage needs to keep pace. Whether you've welcomed a new child, remodeled your home or purchased expensive jewelry, these changes can affect how much coverage you need.

That's why it's important to review your homeowner's, auto and other personal insurance policies at least once a year — preferably two to three months before they renew. An annual review with us can help identify gaps in coverage, determine whether your policy limits are adequate and uncover potential savings.

Home insurance companies are increasingly using drones, satellites and aircraft-mounted cameras to inspect properties for hazards, aging roofs and other conditions that could lead to costly claims.

The technology allows insurers to examine thousands of properties without sending inspectors to each home. Artificial intelligence can analyze the images, identify potential problems and assign risk scores that may influence underwriting decisions. Here's a look at this growing practice and the steps you can take if your insurer flags a risk on your property.