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a senior man veteran in a camo hat, standing in front of water front memorial site with ships in the background

How Does the Medicare Part B Giveback Benefit Work?

Blog Author: John Demko

If you’ve seen the commercials promising to "put money back in your Social Security check," you likely have some questions about what this is, whether it's legit and how it works. If you hear these claims, they are likely referring to the Medicare Part B Giveback, which may also be described as the ...

hand holding wooden circle block over a stack each with a different medical picture icon to represent various healthcare needs

Why People Add Supplemental Health Coverage to Their Medicare Plans

Blog Author: Kari Mellone

Medicare covers many essential healthcare services, but it doesn’t cover everything. Out-of-pocket costs, coverage gaps, and specific needs can leave many beneficiaries looking for additional protection. That’s where supplemental health coverage comes in to help fill those gaps and provide more ...

employee living costs are high but so are employee benefit costs

I need more money in my wallet

Blog Author: TCU Author

Are you an HR professional that just had to tell your employees, 'We do not have the money to offer the raise we would like to.' Are you hearing your employees talk about gas prices? food prices? cost of childcare? etc

a middle aged woman with cancer wearing head covering hugging a female family member

What Is Cancer Indemnity Insurance and How Does It Work?

Blog Author: John Demko

A cancer diagnosis can bring more than just medical concerns and overwhelming emotions; it can also lead to unexpected expenses that aren’t always fully covered by regular health insurance or Medicare coverage. Cancer indemnity insurance is designed to help with those additional costs by providing ...

a senior man wearing glasses holding hand weights performing PT with a physical therapist

What Physical Therapy Services Does Medicare Cover?

Blog Author: Todd Lewison

If you or a loved one needs physical therapy, one of the first questions that comes up is whether Medicare will cover it. The good news is that Medicare does provide coverage for many physical therapy services, but there are a few important details to understand, including where you receive care, ...

Innovative employee benefit that even benefits the employer

Is there anything new to offer employees?

Blog Author: TCU Author

I am an HR professional and I feel like it is the same ole same ole....am I wrong? You might be.

two-men-on-bench

Are you 'Generation Jones' more than a 'Baby Boomer'?

Blog Author: Kari Mellone

If you were born between 1954 and 1965, you may have heard of the term "Generation Jones" and feel like it fits you better than "Baby Boomer". This is because Generation Jones represents a unique group. These people grew up in big cultural shifts, came of age during economic uncertainty, rising ...

a senior woman with short gray hair laying in hospital bed smiling as son visits with her and holds her hand

What Is Hospital Indemnity Insurance and What Does It Cover?

Blog Author: Todd Lewison

Even with Medicare coverage, a hospital stay can bring unexpected out-of-pocket costs like deductibles and high copays, especially for extended stays. Hospital stays can add up quickly, with average daily costs around $3,130. It's no surprise why medical bills are the leading cause of financial ...

Stack of cash dollars and credit card under a stethoscope on blue background

Does Original Medicare Have a Maximum Out-of-Pocket?

Blog Author: Kari Mellone

If you've had employer-sponsored health insurance or a marketplace plan, you're probably familiar with the safety net of a maximum out-of-pocket limit. A maximum out-of-pocket limit is a cap on your annual medical expenses that keeps costs from spiraling out of control. It's a standard feature of ...