How long can my children remain on my insurance plan? A dependent in the State of Florida may remain on your  medical plan up until the age of 25 so long as the dependent lives in the household of the policy holder or up to age 30 if the dependent is a full or part-time student;...   Read More »

Do I have to enroll during the open enrollment period designated by my employer? Absolutely. The only changes you can make after open enrollment can occur if your spouse has lost his or her job, if you’ve had or adopted a child, or if there is a change in marital status.   Read More »

Why should I bother with life insurance, disability insurance, or long term care insurance? Considered voluntary insurance products, each of these types of insurance can provide some real benefit to you. Life insurance, for example, can offer some financial security to your loved ones should something unexpected happen. Disability...   Read More »

What’s the difference between generic prescription drugs and name brands? The FDA ensures that generic drugs use exactly the same components, yet they often cost hundreds less than their brand name counterparts. Cost is the only real difference.   Read More »

Does it really make a difference if I visit the hospital or an independent provider for my diagnostic test? Diagnostic tests like CT scans, MRIs, and others cost significantly more in a hospital environment than they do when you choose an independent provider. As a result, your employer may give you a list of independent providers in the area who...   Read More »

How long can I keep my COBRA coverage? COBRA coverage can be a great help if you’re between insurance plans, and for most, it’s the stop-gap measure necessary to make certain you’re never uninsured. At some point, though, COBRA coverage does expire. The amount of...   Read More »