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Insurance Blog

Please read our blog about a wide variety of insurance topics. Please feel free to ask us any questions.

Beginner’s Guide to Buy/Sell Protection

It is important to plan for the future of a business, but life can be unpredictable. A buy/sell protection plan is designed to help keep your business secure if the unexpected should occur.  What Is a Buy/Sell Agreement? A buy/sell agreement is a contract between business partners, stipulating how a partner’s interest in the business will be reassigned if that partner dies or leaves the...

Replacing or Updating Your Medicare Beneficiary Card

Your Medicare card is a sensitive, personal record that should be kept in a safe place at all times. But life happens, and sometimes Medicare cards get lost, stolen, or damaged. Life circumstances can also change, such as your name or address, and a Medicare card may need to be updated. How do you go about replacing or updating your Medicare beneficiary card? Continuing reading...

What Does Commercial Umbrella Insurance Cover?

Your business is protected by your business insurance – but is it enough? A commercial umbrella insurance policy provides coverage when a claim exceeds the limits of your other policies. This type of policy is typically quite affordable and offers a critical level of protection against losses from substantial claims or lawsuits.  Do You Need Commercial Umbrella Insurance? A liability claim filed against your business...

Your Guide to Using HSA/FSA Funds for Family Members

An HSA (health savings account) or FSA (flexible spending account) has many benefits. These accounts are used to pay out-of-pocket healthcare costs. To establish an HSA, you must have coverage with a high-deductible health insurance plan. The funds you put in the account are not taxed and will roll over into the next year if there is unused money at the end of the year....

Traveling Outside the U.S. with Medicare: What You Need to Know

Medicare will not pay for healthcare outside the U.S., except under specific rare circumstances. That means in most cases, you are not covered anywhere other than the 50 states, the District of Columbia, the U.S. Virgin Islands, Puerto Rico, American Samoa, the Northern Mariana Island, and Guam.  Under What Circumstances Will Medicare Pay for Healthcare Outside the U.S.? There are only three situations in which...