Understanding New Group Changes To Creditable Coverage In 2025 As we approach 2025, there are important changes on the horizon for those who receive healthcare coverage through employer-sponsored group plans. One key area that may impact your healthcare decisions is creditable coverage especially if you or your employees are eligible for Medicare. Let’s dive into [...]

Why Indexed Universal Life Insurance Is a Powerful Retirement Planning Tool When planning for retirement, most people think about IRAs, 401(k)s, and annuities. However, one financial product that often flies under the radar is Indexed Universal Life (IUL) insurance. While IUL policies are primarily life insurance products, they offer a range of features that make [...]

Medicare Open Enrollment 2025 Is Here: What You Need To Know Medicare’s Annual Enrollment Period (AEP) for 2025 is upon us! From October 15th to December 7th, this crucial window allows Medicare beneficiaries to review their current coverage, make adjustments, or switch plans for the coming year. Whether you’re new to Medicare or already enrolled, [...]

Navigating Open Enrollment For ACA Health Plans in 2024: What You Need To Know As the year draws to a close, it’s time for individuals and families to focus on securing health insurance for 2024 through the **Affordable Care Act (ACA) Marketplace**. Open Enrollment is your annual opportunity to select a health plan, make changes [...]

Navigating the Changes in Group Health Insurance: What Employers & Employees Need to Know Group health insurance has long been a cornerstone of employee benefits, providing coverage to millions of workers and their families. However, the landscape of group health insurance is constantly evolving, influenced by regulatory changes, market dynamics, technological advancements, and shifting consumer [...]

Navigating the Changes to Part D Prescription Drug Plans in 2025: What You Need to Know As the healthcare landscape continues to evolve, significant changes are on the horizon for Medicare Part D prescription drug plans in 2025. These changes, driven by legislative reforms and policy updates, aim to enhance affordability, increase transparency, and improve [...]

Understanding Universal Indexed Life Insurance: A Comprehensive Guide Life insurance is a critical component of financial planning, offering protection and peace of mind to individuals and their families. Among the various types of life insurance products available, Universal Indexed Life Insurance (UIL) has gained popularity for its unique combination of flexibility, growth potential, and security. [...]

Empowering Your Health Journey: Navigating Healthcare & Insurance With Confidence Boosting Your Wellness Path: Mastering Healthcare & Insurance with Assurance Navigating today’s intricate healthcare and insurance landscape demands a proactive approach to managing your health. By empowering yourself as your best health advocate, you gain the tools to confidently make informed decisions and prioritize your [...]

Social Security's Latest Cost Of Living Adjustment (COLA) Projections How Much Will The COLA Increase In 2023? The Social Security Administration recently announced a cost of living adjustment (COLA) increase to Social Security benefits and Supplemental Security Income (SSI) payments for 2023. Approximately 70 million Americans will find an 8.7% increase in their payments beginning [...]

What Is Medicare Part D & How Does It Work? Understanding The Basics Of Medicare Part D Medicare Part D is an optional Medicare insurance program that provides coverage for prescription medications. You will pay a monthly premium for your Part D coverage, but it can be a beneficial add-on to your other Medicare programs [...]