For over 50 years now, at least 14% of Americans have been unsatisfied with their lives. While some of them seem to have their lives put together, the feeling of dissatisfaction emanates from issues such as following mundane routines every day. For instance, waking up at the same time every day, going to work, being Read More
During the life insurance underwriting process, the insurer requires you to undergo a medical exam to assess the risk of insuring you. If you have an underlying condition such as hypertension, diabetes, or cancer, the insurance provider may deny you coverage due to the high risk, unless your policy is employer-based, according to the U.S. Read More
Sleep is an essential human function that allows the body to rest and for the brain to recharge. When you don’t get adequate hours or quality of sleep, your body doesn’t get the full benefits of a good night’s sleep such as memory consolidation and muscle repair. However, while sleep is vital for your overall Read More
When you go on a trip, you hope that everything will go as per the plan. No one prepares you for eventualities such as a delayed suitcase, a canceled trip, lost luggage, or a sudden fever. While these are pretty normal problems for travelers, being stranded or falling sick overseas without enough finances can be Read More
The year 2020 went down in history as one of the toughest years ever thanks to the COVID-19 pandemic, civil unrest, wildfires, and the tough economic recession, according to a recent article published in the Washington Post. Worse still, 2021 is yet to show any signs of improvement. This means that you may have to Read More
The 2010 Affordable Care Act (ACA) requires health insurance providers to cover preexisting conditions, per the U.S. Department of Health and Human Services (HHS). While this has enabled millions of Americans to access life insurance so far, insurance companies tend to charge higher premiums for those with preexisting conditions due to the high risk involved. Read More
The ongoing coronavirus pandemic has made remote work a necessity for much of the workforce; however, even before the pandemic started, working from home grew in popularity. Thanks to recent technological advancements, many people realized that they didn’t have to spend all day in an office to complete tasks. Many employers are also starting to Read More
If you are a full-time employee, you almost certainly have access to life insurance through your employer. Choosing life insurance through work does give you the opportunity to supplement your employee benefits package; however, it is important to ask yourself if you have enough coverage if you simply rely on the life insurance policy offered Read More
The California Department of Managed Health Care (DMHC) issued guidance reminding health plans that all approved COVID-19 vaccines must be provided without any cost-sharing for health plan enrollees who may receive the vaccine from an in-network or out-of-network provider during the federally declared COVID-19 public health emergency. “As we begin to enter this new phase Read More
After years of being hindered by well-funded interests, Congress has agreed to ban one of the most expensive and frustrating practices in medicine: surprise medical bills. Surprise bills result from an out-of-network provider being compelled to be unexpectedly involved in a patient’s care. Patients who go to a hospital that accepts their insurance may have Read More