Copayments versus Deductibles

What is the difference between a copay and a deductible? A copayment (copay for short) is the fixed amount ($20, for example) that you pay for a covered health care service. The remaining balance that you do not pay the doctor is covered by your insurance company. A...

Covering My Employees with Small Group Insurance

How many employees can I cover with small group insurance for my business? Typically, two to 49 employees can be covered in a small group. A large group would cover 50 to unlimited employees. Many small business owners choose to offer their employees a comprehensive...

Supplemental Accident Insurance = Added Protection

How much supplemental accident insurance do I really need? You need to get enough to cover the cost of your current healthcare policy’s deductible. Accident insurance, also known as supplemental accident insurance or personal accident insurance, is designed to...

Calculating Your Life Insurance Needs

How much life insurance is enough for my family? Every person has different coverage needs. Overall, you want enough to create a legacy for your family. The most common way people calculate the amount of insurance is to buy what they can afford! Some insurance...

Considering Term Life Insurance

My employer provides me some life insurance coverage. But, I want more coverage. I’ve heard term life insurance is an affordable option. What are my term life insurance options? Term Life insurance is the most basic and normally the most affordable life...

Healthcare Coverage: Deadline Missed

I live in Louisiana and I missed the healthcare coverage sign-up deadline. What options do I have for Louisiana healthcare? Even though open enrollment for 2019 coverage in Louisiana and Texas ended on December 15, 2018, you as a resident can enroll in private-based...