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Wiley Long's Articles in Insurance

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Businesses Can Use Health Savings Accounts To Save Learn how Health Savings Accounts can provide individuals, businesses, and families with an affordable way to pay for healthcare expenses while also decreasing participants' annual tax burdens. There are many advantages to opening a Health Savings Account for a business, including tax reductions that correlate to the Health Savings Account contribution amounts and tax-deferred savings growth within those accounts. Fully Covering Medicare Gap Using Medicare Supplement Insurance About 44 million Americans are participating in the Medicare program. However, unless these participants have Medicare Supplement insurance or additional coverage plans, they may not be as fully covered as they think. Medicare participants need to be aware of Medicare coverage gaps that may affect them and their loved ones. Solutions for Affordable Health Insurance Millions of Americans who lost their jobs during the recession are currently getting financial assistance from the federal government through the American Recovery and Reinvestment Act (ARRA), which funds 65 percent of unemployed workers' COBRA health insurance premiums. However, this program is only slated to last for up to nine months. The Best Medicare Supplement Part D Plan for You Medicare Supplement Part D plans are the section of the Medicare program that helps Medicare subscribers pay for their prescription medications. It is recommended that all Medicare participants enroll in a Medicare Supplement Part D plan, even if they do not take any medications. There are several different types of Medicare Supplement Part D plans available, including Medicare Advantage, prescription drug-only, and fall-back plans. New Standards for Medgap Insurance Many Medicare subscribers choose to purchase supplemental insurance policies in order to cover the cost of health-related expenses that are not already covered by Medicare. The federal government has recently adopted standards for Medicare supplement insurance that helps to make the policies more streamlined and easy to understand for subscribers. High Deductible Health Insurance Can Help Individuals Stay in Control of Their Healthcare Spending The rising cost of healthcare, combined with the U.S. government promise to make healthcare more affordable, is causing concern amongst many economists and healthcare analysts who study the efficacy of nationalized healthcare programs. Learn how Health Savings Accounts will help individuals with their healthcare spending and access to care, and help avoid a nationalized healthcare system. Learn How to Sign Up for Medigap Insurance During the Open Enrollment Period Learn about the Open Enrollment period for Medicare Supplement insurance policies, the pitfalls to avoid, the best plans to apply for, and when you need to apply to avoid higher fees and being declined. How to Use a Medicare Advantage Plan Learn about Medicare Advantage plans and how to use them along with your Medicare insurance. Learn how to fill the gaps on your Medicare plan, how to get the best Medicare Prescription Drug options, and the different Medicare Advantage plan types available to you. Using Your Health Savings Account to Pay for Dental Expenses Thousands of people now have HSA-qualified health insurance plans, yet many are not taking advantage of the money-saving benefits of a Health Savings Account. Learn how to use your Health Savings Account to cover all you dental expenses and save thousands on your dental bills. HRA Plans for Small Business Owners With group health insurance rates continuing to rise, more small business owners are turning to Health Reimbursement Arrangements (HRAs) as a way to help their employees obtain health insurance. With this type of arrangement, the business reimburses employees for the cost of their individual health insurance plans, instead of offering a group plan.