One of the important topics we cover with our clients is Medicare enrollments for persons who are delaying their enrollment. In other words, they don’t enroll when they are qualified for Medicare as they turn 65. Consider this situation: I’ve been the owner of my business, or I’m an executive, or I’m just an employee […]
Pitfalls of Retiring After 65 That You Must Know About Read More »
One of the services we provide for many of our clients is a conversation on insurance as a way of providing future financial security. We’re talking to new moms and dads, young couples that are just starting their families, or families that are expanding. An Important List for New Parents I’m a seasoned veteran with
New Moms and Dads: A Roadmap to Future Financial Security Read More »
One of the areas that we help our clients with is general information about life insurance. It’s a very, very large topic and a term that people have a lot of confusion about. There are a couple of key issues in relation to life insurance that I would like to bring to your attention. The
What You Need to Know at Any Age About Life Insurance Read More »
Today, I want to explain to you how to choose between health savings or flexible spending accounts. The most important thing to know is the main difference between these two accounts. A health savings account is an individually-owned account. That’s your money. Anything you put in there is your money. It goes with you when
Health Savings or Flexible Spending Accounts: How to Choose? Read More »
Today I want to talk about small businesses and whether or not it is time to offer health plan benefits. I sit with a lot of groups that ask, “When do I offer healthcare plan benefits?” This is the question I hear the most.
Small Businesses: Is It Time to Offer Health Plan Benefits? Read More »
Should a new business startup offer health insurance now or later? If I’m a new business owner and I’ve just started my company, I’m sitting down at my table, and I guarantee you there’s a huge pie in front of me. And it’s cut up into a lot of little sections. Those sections include the
New Businesses: Best Way to Set Up Health Insurance Benefits Read More »
Today, I want to talk to you about how to open a Health Savings Account the right way. Not everybody can open an HSA so it’s really important to know if you can or can’t. Setting Up Your Health Savings Account A lot of folks have their benefits through their employer, and one of those
How to Open a Health Savings Account the Right Way Read More »
I’m going to assume the majority of people who are reading this are familiar with the Aflac Duck. The Aflac policy or the Aflac insurance company, is one of the main companies that provide what we call supplemental or ancillary insurance products. These would be products that give you benefits or coverage for specific categories
What Is a Supplemental Insurance Policy and Who Needs It? Read More »
Today, I want to talk about how to get a subsidy for your dependents’ health insurance. A lot of people call me throughout the year when their group insurance is coming up for renewal, and they ask me, “Can I get a lower premium for my wife and children?” Prior to 2023, most of the
How to Get a Subsidy for Your Dependents’ Health Insurance Read More »
Anybody covered under Obamacare or with the Marketplace needs to know about the impact of their health insurance on their tax returns. Your health insurance enrollment is tied directly to your return, and you’re going to need a form from the government called IRS Form 1095-A. Wherever you are, if you’re on the Marketplace, you’ve
Obamacare: What You Need to Know About the 1095-A and Tax Season Read More »
Do you need help enrolling in health, dental, vision, life or other insurance plans? If you live in Missouri or Illinois, contact us for a free consultation.
Call (314) 582-9540 or use the Book a Free Consultation form on this page to get your questions answered by a St. Louis health insurance consultant.
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