Navigating Medicare: What Happens to Your Coverage When You Move?
Posted: September 6, 2025
Whether you are retiring to a sunnier state, downsizing to be closer to family, or simply changing ZIP codes, moving to a new home can bring unexpected challenges, especially when it comes to your Medicare coverage. Different states and even different counties may have variations in plan availability, costs, and networks. Understanding how a move affects your Medicare coverage is crucial to avoiding gaps and...
Weathering the Storm: How Businesses Can Prepare for Natural Disasters
Posted: September 4, 2025
Natural disasters can strike without warning: floods, hurricanes, wildfires, earthquakes, and winter storms are all part of doing business in our unpredictable climate. For business owners, these events aren’t just an inconvenience; they pose a significant financial threat. Without proper preparation and insurance, a single disaster can force a business to close its doors permanently. Is your business ready to weather the storm? Disaster Can...
Back to School, Back on the Road: Auto Insurance Tips for Teen Drivers
Posted: September 2, 2025
For many families in Illinois, the back-to-school season marks a time when teens get behind the wheel for the first time. Whether your teen is getting a permit, a first car, or driving to school events, having the right auto insurance is essential. Find out what every parent and teen driver should know about auto insurance. First Car, First Policy: What You Need to Know...
Legal Compliance: Ensuring Your Group Benefits Align with Regulations
Posted: August 28, 2025
Why Compliance Matters in Group Plans Maintaining legal compliance in your group benefits plan isn’t just a matter of paperwork—it’s essential for protecting both your business and your employees. Failure to comply with applicable regulations can result in significant financial penalties, legal disputes, and erosion of trust among your workforce. Compliance ensures that employees receive fair and lawful access to benefits while shielding employers from...
HMO Health Insurance: Exploring Benefits of Health Maintenance Organizations
Posted: August 25, 2025
The HMO Model: How It Works and Who It Serves Best Health Maintenance Organization (HMO) plans are a popular type of managed care health insurance. They are designed to provide high-quality, coordinated care at a lower cost. HMO plans focus on prevention and efficient treatment by using a network of approved providers. Members are required to select a primary care physician (PCP) who will serve...