You enjoy an active lifestyle, which includes frequent travel, winter destinations, hiking and pickleball with your closest friends, and frequent connections with your family.
You are an expert in your field and have created your own company to consult others. You have freedoms outside of the corporate world but are also fully responsible for your family’s financial well-being.
Whether you are a retail, hospitality, or seasonal worker, you are making your path with hourly work, perhaps with tips to help fuel your savings for dream luxuries like travel or a new place to live.
You might own your home and work part-time, but your finances are a nuanced picture of lifetime savings coupled with ongoing expenses, especially medical bills, as you wait for Medicare eligibility.
You love being your own boss. You have the freedom to do what you enjoy every day, and fulfill your personal work goals. Yet freelancers and contractors still need financial protection from the unexpected.
Having employer-sponsored healthcare benefits isn’t what it used to be. You have deductibles and copays, plus your monthly premium costs. There’s an incredible need for additional coverage to help pay for these out-of-pocket responsibilities.
One Simple, Very Important Health Insurance Phrase People Don’t Know About
What are metal plans? The Affordable Care Act (ACA) introduced “metal plans”—Bronze, Silver, Gold, and Platinum—to help consumers compare coverage options based on the level of cost-sharing they offer. Each plan covers a set percentage, meaning policyholders are responsible for paying a portion of all healthcare costs out-of-pocket. Understanding the cost balance and the annual […]
6 Nov, 2024
How Supplemental Insurance Can Complement ACA Plans
FlexBenefits supplemental insurance products are designed to go hand-in-hand with Affordable Care Act (ACA) plans FlexBenefits works by providing additional financial protections for individuals who may still face significant out-of-pocket medical expenses. Although ACA plans offer essential health benefits and protect against major medical costs, there are still upfront high deductibles, copays, and coinsurance, which […]
25 Oct, 2024
Why FlexBenefits?
By Brian Dow, President When asked why we created FlexBenefits, the answer is clear: to address the growing burden of out-of-pocket expenses faced by many individuals in various health plans. This issue is not limited to the individual ACA market but extends to the Medicare Advantage market and the small group markets. Deductibles continue to […]
15 Aug, 2024