health insurance plans

What is an Irrevocable Trust?

July 8, 2023binomo

A trust is an estate planning tool that allows a person to control their assets during their lifetime and make provisions for incapacity and death. Many trusts are revocable, however, irrevocable trusts can be an incredibly useful way to plan for your future.

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One thing you should know about irrevocable trusts is that, unlike revocable or living trusts, irrevocable trusts cannot be changed or amended. They are set in

Travel Insurance for a France Vacation (2023)

July 2, 2023binomo

It is not mandatory to have travel insurance coverage to visit France — unless you are traveling from a country that requires a Schengen visa. US citizens can enter France with a valid passport for up to 90 days, after which they must submit a visa application.

Although travel insurance is not required for American tourists, you may still choose to buy coverage. Travel insurance can reimburse you for prepaid, non-refundable costs (subject to conditions) in the event of unexpected trip cancellations or delays. Most policies also protect your belongings, including your luggage, against theft, loss and damage.

The US

The Dangers of the EHR

June 28, 2023binomo

Electronic Health Records can be an incredibly helpful tool. However, they are not without fault. A recent warning highlights that electronic health records (EHRs) are a top target of cybercriminals. They can also lead to inappropriate billing if they are not set up correctly.

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The Health Sector Cybersecurity Coordination Center (HC3) issued a warning to healthcare entities regarding EHR vulnerabilities and protections.

Protected health information (PHI) continues to hold its …

The best times to get pet insurance for dogs

June 2, 2023binomo

gettyimages-1327161473. jpg — One of the best times to get pet insurance for your dog is when they’re still a puppy.

Getty Images

If you’re a pet owner, you already know how much thought goes into owning yours paint or dogs. You’re often thinking about what’s best for them, whether that be the type of food they eat, the veterinarian who takes care of them or the groomer who gives them their haircuts. This thought process also extends to the pet insurance world.

While pet insurance can be a cost-effective and valuable protection to secure, it pays to get the timing right.

Pacific Blue Cross on its “healthy” approach to diversity, equity and inclusion

May 18, 2023binomo

Pacific Blue Cross on its “healthy” approach to diversity, equity, and inclusion | Insurance Business Canada

How this firm is displaying its ongoing commitment

Diversity & Inclusion

By Lyle Adriano

As part of its 5-Star Diversity, Equity, and Inclusion awards, Insurance Business surveyed insurance employees to determine what are the most important things in a company’s diversity, equity & inclusion (DEI) programs.

That survey found that the top three things that every insurance employer must have in their DEI program are: employees having a sense

Can Your Practice Afford a Data Breach?

May 11, 2023binomo

Probably not.

A recent study found that the total average cost of a healthcare breach is $10.10 million.

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Can your healthcare practice afford a breach? Most healthcare entities cannot.

Since 2020, healthcare breach costs have risen by 42%.

As we know healthcare breaches are incessant, it is important to understand trends.

The trends that have emerged over the past few years are:

Repeat attacks. Many healthcare entities have

Remarriage and Estate Planning – Rickard & Associates

May 5, 2023binomo

If you are getting remarried, it is essential to understand your spouse’s inheritance rights.

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Before you get married for a second or third time, you want to be aware of the rights your spouse will have to your estate and vice versa.

You may want to work with an attorney to draft a prenuptial agreement, prior to exchanging vows.

Then, you want to be familiar with the intestacy laws in

What Does the End of the Public Health Emergency Mean?

May 3, 2023binomo

The national Public Health Emergency (PHE) for COVID-19 ends on May 11, 2023.

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The end of the public health emergency brings a variety of changes to the healthcare system.

Most of the remaining federal COVID-19 vaccine requirements will end for federal workers, contractors and foreign air travelers.

The government is also lifting requirements for Head Start educators and healthcare workers.

Free COVID-19 vaccines and tests will no longer be provided