Choosing the right health insurance plan can be a daunting task, especially with the variety of options available in California. Health Maintenance Organization (HMO), Preferred Provider Organization (PPO), and Exclusive Provider Organization (EPO) plans each offer unique benefits and limitations.Understanding the differences between these plans can help you make an informed decision that best suits your healthcare needs. In this guide, we’ll explore the key features, advantages, and drawbacks of HMO, PPO, and EPO plans, focusing on what’s available in California. What is an HMO Plan?
Health Maintenance Organization (HMO) plans are known for their cost-effectiveness and structured network of healthcare providers. These plans require members...
Notice Pertains To Those Living in Fairfield, Litchfield and New Haven Counties
HARTFORD, CT – Governor Ned Lamont today is reminding homeowners, renters, and businessowners in Fairfield County, Litchfield County, and New Haven County that there are two weeks left to apply for federal disaster assistance to support recovery for uninsured or underinsured property damage experienced during the August 18, 2024, historic rainfall and severe floods.
The deadline to apply for assistance from the Federal Emergency Management Agency (FEMA) and the U.S. Small Business Administration (SBA) is Tuesday, November 19, 2024. This assistance is made possible by the major disaster declaration President Joe Biden approved in September for the three...
Health insurance plans each have their own rules, benefits and drawbacks. These can be tricky enough to work out when you're buying health insurance for just yourself, but when you're looking for a plan to provide employee benefits, a...
China’s National Financial Regulatory Administration (NFRA), the financial industry regulatory agency under the State Council of the People’s Republic, is continuing to promote Hong Kong as a venue for insurers and reinsurers to sponsor catastrophe bonds.Speaking at a conference...
According to Fitch Ratings, the proposal from the Australian Prudential Regulation Authority (APRA) to remove the requirement for reinsurance arrangements to have a reinstatement...
US primary insurer Allstate has reported that its pre-tax catastrophe losses for the third-quarter of 2024 reached $1.7 billion, with $630 million of that...
As winter approaches, builders and contractors face unique challenges regarding construction sites. The cold temperatures, snow, and ice can put your project at risk....
While many businesses and individuals have been impacted due to the required measures taken slow the progression of the COVID-19, small businesses are facing a unique set of struggles during this time. With many businesses being ordered to shut...
A strong benefits package is critical to your company's ability to thrive in the market. When you hire a health insurance broker, you are hiring an intermediary between your company and the insurance provider. How you spend your company's...
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Global specialty insurance and reinsurance managing general agent Rokstone has announced a new partnership with parametric specialist NormanMax, that will see the MGA offering...
More than $112 billion was lost to retail shrinkage in a recent year, according to the National Retail Federation (NRF). Retail loss, or “shrinkage”...
According to Fitch Ratings, the proposal from the Australian Prudential Regulation Authority (APRA) to remove the requirement for reinsurance arrangements to have a reinstatement...
Employees make your business work and help you achieve organisational goals. Over recent decades, there have been significant developments in the number of businesses...
When you turn 65 years old, or if special circumstances apply, you are eligible to apply for Medicare coverage.
Along with Medicare Part A, Part B is one of the most important parts of original Medicare. Because Part A...
Last Updated on July 31, 2024 by adminDid you know that Boshers Insurance do more than provide high-quality insurance for Holiday Home owners? We also support The 2 Minute Foundation, a charity whose vision is to clean up the...
The start of fall brings a lot of welcome things: a new school year, cooler temps and changing leaves.
You may not notice it right away, but your daily commute is affected by the shorter days and changing weather, too....
Florida, the land of sun-kissed beaches and vibrant sunsets, is also facing a formidable storm – a crisis brewing within its home insurance market. Homeowners across the state are grappling with skyrocketing premiums, non-renewals, and limited policy options, leaving...
Life insurance can be a valuable part of your business plans.
We recognize and expect changes in the economy, but the uncertainty of those changes calls us to be vigilant in our business continuation...
Last Updated on March 17, 2021 by adminTemporarily Closed Holiday Letting Properties – Updated 17th March 2021We appreciate the significant impact that government measures to control the spread of the coronavirus is having on all businesses, not least self-catering...
Last Updated on January 17, 2022 by adminGenuine small holiday letting businesses in England to be protected by closure of second home tax loopholeOwners of second homes in England who abuse a tax loophole by claiming their often-empty properties...
Make yourself visible no matter the time of day.
The pandemic, rising fuel prices and climate change concerns – along with improved battery technology and e-bike options – have combined to create a...
Whether you’re planning an international vacation or taking the kids to see their grandparents, here’s how to book the best possible tripby Nicole Dieker October 30, 2023 | Money
The holidays are nearly upon us, which means it might...
Just as you would before any important purchase, do some research before buying insurance.
Many people research expensive purchases like homes, cars, or gadgets to make sure they get the best value for their...
How to handle common money fights before they ruin your relationshipby Nicole Dieker October 28, 2023 | Money
If you and your partner fight about money, you’re not alone. And if most of your money squabbles are about financial...
Sharing a meal from the grill is a great way to kick off the summer this holiday weekend.
Memorial Day traditionally marks the beginning of summer: time to grill on the patio, take the...
Last Updated on June 11, 2024 by adminFull length, written fire risk assessments, covering all aspects of fire safety, have become a legal requirement for properties offering sleeping accommodation to paying guests from the 1st October 2023. This means...
Health insurance plans each have their own rules, benefits and drawbacks. These can be tricky enough to work out when you're buying health insurance for just yourself, but when you're looking for a plan to provide employee benefits, a...
China’s National Financial Regulatory Administration (NFRA), the financial industry regulatory agency under the State Council of the People’s Republic, is continuing to promote Hong Kong as a venue for insurers and reinsurers to sponsor catastrophe bonds.Speaking at a conference...
At 45, attorney Peter Zatir attributed the fatigue he was feeling to middle age. Add to that a busy law practice and five active kids—the youngest just a year old—and it’s easy to see how he could have written...
Valerie King was not a believer. When she transitioned from her medical residency to practicing as an emergency room physician, she didn’t think she needed disability insurance. “I could never envision a life without working,” she says. Her insurance...
As we celebrate National Immunization Awareness Month in August, it is crucial to recognize the significant impact of vaccines in preventing diseases among adults aged fifty and older. The Adult Vaccine Access Coalition reveals that the United States allocates...
Highlights
Cost containment in healthcare is a significant concern for small and midsized companies.
Many SMBs are discovering the advantages of transitioning from a fully funded to a self-funded insurance plan.
Self-insured (or self-funded) insurance provides financial control, data transparency, flexible plan...
Spring/2023
Final expense insurance, also known as burial insurance, is a type of insurance policy designed to cover the costs associated with a person’s funeral and burial expenses.
This type of insurance is typically purchased by older adults who want to...
Home » Accident & Health Insurance – Do You Need One Or Both?
It’s hard to know what you’re going to need in this life to mitigate the risk (like accident and health insurance) and know that no matter what...
Health insurance plans each have their own rules, benefits and drawbacks. These can be tricky enough to work out when you're buying health insurance for just yourself, but when you're looking for a plan to provide employee benefits, a...
China’s National Financial Regulatory Administration (NFRA), the financial industry regulatory agency under the State Council of the People’s Republic, is continuing to promote Hong Kong as a venue for insurers and reinsurers to sponsor catastrophe bonds.Speaking at a conference...
Working out the type of business insurance your organisation requires can seem like a minefield at first. There are many factors to consider and you may not be sure of exactly what you need to include in your insurance...
Health insurance providers send claimants an explanation of benefits for every medical claim they process. These statements break down medical providers' charges, the percentage insurers cover, and the claimants' contributions. What Does an Explanation of Benefits Include?
The EOB...
Lockton Re, the independent reinsurance broker is working with risk modelling and data analytics specialist Verisk to develop new index and parametric triggered risk transfer solutions for climate and weather effects on agriculture.Lockton Re will use Verisk’s agricultural risk...
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Even though many academics are sounding the alarm over the housing affordability crisis in the United States, the affordability problem continues to intensify. Recently, researchers at Freddie Mac increased their 2018 housing shortage estimation by 52% to...
July is UV Safety Awareness Month. As we bask in the warmth of the summer sun, it's crucial to remember the potential dangers that come with excessive exposure to UV rays. While the sunshine brings us joy and vitamin...
Highlights
A medical captive as part of a self-funding arrangement is a non-traditional health insurance approach that benefits advisors and their clients.
Advising companies in a medical captive can help you deepen relationships with clients and set you apart as a...
