​Group health insurance is insurance that covers a defined group of people, like for example, the members of a society or professional association, or the employees of a particular employer. There are many ways to get group health insurance through organizations or associations. Therefore, anyone is eligible to purchase this kind of insurance even if you are self-employed or don’t work in any company that offers group health insurance.

​​If you’re shopping for health insurance one factor that can play a large role in the price of your policy as well as the benefits you’ll receive are the copays, deductibles, and coinsurance. But what are they and how do they effect your overall medical expenses?

​Whether you are seeking a personal health-insurance-policy for your family or choosing among various health insurance options that your respective employer is offering, there are a number of factors to carefully take into account. It's important to consider your healthcare usage against the types of insurance plans available to you such as Health-Maintenance-Organizations (HMOs), Preferred-Provider-Organizations (PPO), High-Deductible-Health-Plans (HDHPs) and Indemnity Health Plan. 

​It was Benjamin Franklin who said, “Beware of the little expense.  A small leak will sink a great ship.” 
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Isn’t it true?  

Lack of knowledge in financial management is evidently the culprit of every broken marriage.  When one lacks self-discipline in money, the marriage will falter and so will the family.

Shield your marriage with these money tips.  Here are 5 simple ways you can avoid marital issues.

​Your major medical plan could leave you responsible for as much as $6600 or more out-of-pocket expenses in the case of a serious accident or illness. Gap insurance offers options to complement your health plan in the event of a covered illness or accident. Accident and critical illness benefits allow you to focus on your number one priority—getting better. Gap Insurance provides a lump sum payment for covered illnesses and accidents that is paid directly to you, and can be used for anything you choose, including: