Summer Travel and Health Insurance: What You Need to Know
Heading out this summer? Make sure your health insurance travels with you. From nationwide PPO coverage to international emergency care, a little planning can prevent unexpected medical bills and keep your trip stress-free.
Whether you're hitting the beach, exploring national parks, or traveling abroad, it’s important to know how your health insurance works while you’re away. A little preparation can prevent unexpected costs and headaches if you need medical care on the go.
If you have a private PPO plan, you likely have nationwide coverage, meaning you can see doctors and specialists anywhere without needing referrals. But for international travel, it’s worth checking whether your plan includes emergency coverage abroad. If not, a short-term travel medical policy can fill in the gaps and cover things like hospital visits, evacuations, and urgent care.
Before you leave, save your insurance details in your phone, research nearby healthcare facilities at your destination, and consider packing a small first-aid kit. With the right coverage in place, you can focus on enjoying your trip—without worrying about unexpected medical bills.
A Guide to the Best Deals on Prescriptions
Prescription costs don’t have to break the bank. From insurance discounts and mail-order programs to manufacturer coupons and generic alternatives, this guide shows how to find the best deals on medications—without compromising your health.
Prescription costs can add up quickly, but there are plenty of ways to save—without sacrificing quality or convenience. Whether you have insurance or not, knowing where to find the best prices can make a big difference.
Start by checking if your insurance offers preferred pricing at certain pharmacies. Many private PPO plans include mail-order options or discount programs that significantly lower costs. If your medication isn’t covered or the copay is high, compare prices using tools like GoodRx or manufacturer coupons. In some cases, paying cash with a discount program is actually cheaper than using insurance!
Another smart strategy is asking your doctor about generic alternatives or therapeutic substitutions. Many brand-name drugs have lower-cost equivalents that work just as well. A little research can go a long way in keeping prescription costs manageable—without compromising your health.
Health Insurance for Small Businesses: What You Need to Know
Navigating health insurance as a small business owner doesn’t have to be overwhelming. Private PPO plans can offer better coverage, lower costs, and tax advantages—helping protect both your health and your business.
As a small business owner, you wear a lot of hats—but navigating health insurance doesn’t have to be overwhelming. The right plan not only protects your health but can also offer financial advantages, including tax deductions.
Unlike traditional group plans that can be costly and inflexible, private PPO options provide nationwide coverage, lower out-of-pocket costs, and tailored benefits based on your health rather than your income. Many business owners find that an individual or small group private plan offers better coverage at a lower cost than what’s available on the Marketplace. Plus, premiums for qualifying plans can be written off as a business expense, making them a smart financial move.
Whether you’re self-employed or have a small team, the key is finding coverage that fits your needs without breaking the bank. If you’re unsure where to start, I can help you explore options that keep both your business and your health protected.