Health and Disability Protection
- Catastrophic Health Insurance, HMOs, PPOs, Health Savings Accounts - there is a lot to understand. What options are right for you? Our Health section gives you the basics on what they are and how to use them
- How Does Catastrophic Health Insurance Work? - Catastrophic health insurance is a/k/a a high-deductible health plan. It allows you to pay for what you need versus to what you might need. These plans are usually better suited for younger, healthier people less likely to need health care services.
- Health Savings Accounts - A Health Savings Account has lower overall health care costs consumers pay while increasing their control and flexibility over health care choices.
- HMO vs. PPO Health Insurance Plans - Decide whether an HMO or a PPO plan works better for you. PPO plans have more flexibility regarding which doctor you choose and HMO plans will give you a network of approved providers in which you must choose from.
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- What happens if you are laid up and can't work? It could be a disaster for you and your family. Get the basics on Disability Insurance, what it is, how it works and what to look for.
- Disability Insurance - Use this calculator to determine how much disability insurance you may need to cover expenses if you are unable to work due to illness or injury.
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- People are living longer. The question isn't "if we will need long term care", but when will we need it? Learn why we need it and how it works.
- The Need for Long Term Care - Long term care is care provided to anyone who, as a result of an illness or injury, requires assistance in performing any number of the activities of daily living.
- How Long Term Care Insurance Works? - Long Term Care Insurance is designed to cover the expenses incurred for skilled or unskilled care provided in a nursing home setting, an assisted living facility or through home care.
- Long Term Care Calculator - Long term care is needed by those who can't perform the basic tasks required to take care of themselves. This calculator can help you determine if you are financially prepared for this impending expense.
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This website and the articles contained within are provided as a free service to you and for general informational purposes only. Information on this website is not intended to provide legal, accounting, tax or other advice. Please consult your attorney, accountant, or financial or other advisor with regard to your individual situation. We also make no warranty or representation regarding, and do not endorse, any linked websites or the information appearing there.
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