Health & Life Insurance Insights for Texas

Feverish and Frantic? ER or Urgent Care?

It’s smart to have a plan before something goes wrong. If you’ve had an accident or have concerning medical symptoms, this guide can help you know when to choose the emergency department and when urgent care might better meet your needs…

5 Hacks for Staying Active in Winter

Winter can be a challenging time either to keep up your workout routine or to start a new one. Shorter days and colder weather make outside exercise less enticing, not to mention needing to fight the urge to stay cozy on your couch. Need a little help to get moving? Here are five strategies to consider for your workout routine in the winter…

Debunking Popular Life Insurance Myths

Whether you have a life insurance policy or are considering one, you’ve likely been thinking about your loved ones. Making informed decisions about your coverage now could make a big difference to them after you’re gone…

Essential Retirement Saving Tips

Whatever career stage you’re in, it’s wise to save and invest 10%-20% of your pay for retirement. You’re never too young or too old to do something to make your future more comfortable. Here are five of the easiest things you can do to boost your retirement savings…

FSA vs. HSA: Which is Right for You?

You’ve probably heard of an FSA, or flexible spending arrangement, and an HSA, or health savings account. Both allow you to set aside pretax dollars for future health care expenses, but each has different rules. Here’s a basic overview of FSAs and HSAs that may help you decide whether to…

Should You Have Long-Term Care Insurance?

When you’re young, buying long-term care insurance may seem unnecessary—and it generally is. But, in 2021, according to the American Association for Long-Term Care Insurance, people who bought a long-term care policy at age 65 had a 50% chance of using it. Do you know how long-term care insurance could protect you?..

Life Insurance is for Young Adults, Too

If you think you don’t need to apply for life insurance in your 20s and 30s, you might want to reconsider. Buying a policy as a young adult has several benefits worth taking advantage of, even if you’re single or don’t have children…

Understand How Coinsurance Affects You

Have you ever received a medical bill or benefit statement and been confused by the terminology? Most of us have, and it can be frustrating to not understand what you owe and why. For instance, if you’re unsure what coinsurance is, here’s what you should know…

Answers to Your Medicaid Questions

Almost 92 million people were insured through Medicaid as of November 2022, but the government estimates that about 15 million may lose coverage as the COVID-19 public health emergency ends. If you’re concerned about losing your healthcare coverage with this change…

Regular Meditation Can Benefit You

Meditation is an ancient tradition that helps focus on your thoughts, body or objects around you in order to gain peace and awareness. Many people meditate to improve their sleep or alleviate stress and anxiety in their daily lives. But what types are most beneficial…

High Blood Pressure: Best Foods to Eat

Hypertension, or high blood pressure, affects almost half of U.S. adults. However, only about 24 percent of them are controlling it, according to the Centers for Disease Control. If you have high blood pressure, you may have already considered dietary changes to manage it more effectively…

Healthy Tips to Take Care of Your Eyes

Using the same eyeballs everyday, it can be difficult to understand when things are getting worse. Vision slowly blurs over time, or peripheral sight disappears, gradually closing in on you year after year. But you’re not alone. Approximately 2.2 billion people have some kind of vision impairment, according to the World Health Organization…

Don’t Skip Your Preventive Health Care

Life is unpredictable: Marathoners can fall ill with respiratory viruses, and nonsmokers can still get cancer. But do those outcomes mean you shouldn’t bother with preventive care?That shouldn’t be the takeaway. Many people get physical and mental health benefits from taking control of their well-being where possible…

5 Common Options for Life Insurance

How much do you know about life insurance? Whether you already have life insurance or are thinking about getting it, understanding the different types can help you pick the right policy. Here’s a brief explanation of five common kinds of life insurance and why someone might choose each one…

What to Know About Plants and Your Health

Here’s a fun experiment to start the new year: Get a few houseplants and see if they make you feel better. There’s plenty of anecdotal evidence — and some weak scientific evidence — that indoor greenery may improve your mental and physical health…

Group Short-Term & Long-Term Disability Insurance

Group Short-Term and Long-Term Disability Insurance

If one of your employees became unable to work due to illness or injury, would they be able to cope with every day expenses? Employer-provided Short and Long-Term Disability insurance is a valuable benefit that can provide peace of mind to your employees…

Medicare Annual Election Period

It’s that time again, the Medicare Annual Election Period. This period, also known as the Annual Election Period (AEP0, occurs every year beginning October 15th. During the Initial Enrollment Period (IEP), you can choose to enroll in Original Medicare or a Medicare Advantage plan…

Updating Family Health & Life Insurance

If your family is growing, you’ve probably realized that it’s time to update your health and life insurance. Not sure what to change or how to do it? Here’s what you need to know…

3 Ways to Lower Your Holiday Stress

Many people experience anxiety, especially during the holidays. While eliminating all seasonal stressors isn’t likely, there may be ways you can minimize and manage them. Here are three ideas to help you get through the holiday season with minimal stress…

Insurance for Small Business Owners

Small business owners, contractors and freelancers usually make all the major decisions for their businesses — and often do all of the work, too. The success of their companies and continuity of their income depend heavily on one person’s well-being – this is a significant risk…

Tips to Help You Plan for Retirement

It’s tempting to delay retirement planning. After all, you may feel anxious about it or wonder how to begin. Check out these tips to start preparing for retirement and regain your peace of mind…

How Life Insurance Death Benefits Work

Although not everyone has life insurance, all life insurance policies have death benefits. But what exactly is a death benefit, and how do death benefits work?..

Life Insurance Medical Exams Explained

If you’re considering buying life insurance, you may have already learned that many policies require a medical exam. However, do you know why they’re needed or what’s involved in getting one?..

What Makes a Good Work Wellness Program?

Most employers understand that their workers’ health can impact job performance. This may be why many organizations offer wellness programs to help employees remain healthy and productive…

How to Save Money on Your Prescriptions

Paying for prescription medications can take a big bite out of your budget, especially if you purchase them consistently or have a chronic health issue requiring medication. However in many cases, there are ways to help lower prescription prices or at least reduce the amount you pay…

Cash Value Life Insurance: How it Works

Nobody likes to think about their mortality. Yet, about two-thirds of people with life insurance say they feel financially secure, according to a study by the Life Insurance Marketing and Research Association (LIMRA). Policies offer important benefits like..

How to Decide When to Go to Urgent Care

Urgent care centers provide fast, noncritical health care on a walk-in basis. A visit is generally around the same price or slightly more than a clinic visit but far cheaper than a trip to the emergency room…

Should Older Adults Get Life Insurance?

Older adults who don’t already have life insurance may think it’s too late to qualify for a policy — or question whether or not they really need it. Here are a few reasons why a life insurance policy is still a smart idea for older adults…

CBD Products: Possible Health Benefits

CBD, or cannabidiol, is an extract derived from cannabis plants. CBD contains little to no tetrahydrocannabinol (THC), the chemical that produces a high. But could CBD safely offer health benefits you may not know about?..

How to Find a Primary Care Physician

Finding a primary care physician to manage your health care needs is important — and you need to feel comfortable enough to trust their judgment. If you’re searching for a new doctor, try these ideas to make the process easier, faster and less stressful…

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