You're getting ready to turn 65, and are set to apply for Medicare. But wait—is that the only insurance you need? Medigap is a supplemental policy that covers some of the costs that Medicare Part A and Part B don't. It may pay for (or help you to pay for) deductibles, copays, and coinsurance. Before you buy a policy, take a look at what you need to know about this supplemental insurance.
Though autumn brings gorgeous leaves, fun events, and great times with friends, it also ushers in cold and flu season. If you are feeling under the weather, it can be tricky trying to figure out if you need to see a doctor. You don't want to waste your time or the doctor's time, and it is frustrating having to pay a co-pay for a visit that wasn't necessary. Understand what signs and symptoms warrant an immediate visit or call to the doctor's office.
For the last year, the court system in the United States has dealt with a steady stream of cases regarding the status of drivers who work for the new ride-sharing services. At issue is whether these drivers are classified independent contractors or actual employees. Several states, including California and Utah, have determined that drivers are employees and not independent contractors. However, the ride share parent companies are fighting these decisions. The companies assert that due to the autonomy and freedom of the drivers and the way they accept and are compensated for assignments, drivers are independent contractors.
If your company is looking for a way to offer additional benefits to your employees without adding any costs to your business's bottom line, then you will be happy to learn that this is possible by starting a voluntary benefits program.
Voluntary benefits are paid for by your workers and are appreciated by employees because they offer access to group rates that are often much cheaper than trying to obtain the same coverage as an individual.
The Affordable Care Act requires that all Americans have health insurance or pay a fine when it is time to file taxes. You may be looking for alternatives that reduce the cost and allow you to avoid the fine. One option people consider is a medical share program, instead of insurance. Learn about how this works and whether it is a good alternative to health insurance.
What Is a Medical Share Program?
