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How To Get The Best Health Insurance For Your Family

Health insurance is incredibly important and for the sake of you and your family, it must be considered at some point. In general, most people already have some type of insurance, which is pretty good, but far from ideal, as you want to make sure the coverage is optimum. In order to check its quality, pay attention to the offered treatments, general availability and other factors you or your family members need. Don’t forget that if something isn’t covered by insurance, you will have to pay for it out of pocket. This inadequate coverage was exactly what current Benistar President…

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Benistar’s Don Trudeau: How to be A Leader in Business

It’s much easier to do better in business as an individual than to be able to lead others well in the world of business. In order to be a successful business leader, you must have a large breadth and depth of knowledge that will lead you and your company in the many situations companies may find themselves in. Whether you are in the red or black, you need to be able to stay calm and confident and lead your team to victory. If you are interested in becoming a good business leader, or becoming even better, look no further than…

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planning for retirement
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Start Planning for Retirement Now

No matter where you are on life’s journey, it’s always a good thing to start planning ahead, especially regarding financial matters. Of course, saving money may seem dreary when the other option is to spend it on food, clothes, entertainment, vacation. But you will be able to stop working sooner and go on all those vacations you have planned in your head if you just start saving a little at a younger age. This is especially true in this day and age, because if you are just waiting for a company pension or social security check, think again. Those once…

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top vacation spots for retirees
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Top 5 Vacation Spots for Retirees

Western National Parks The American West is a travel destination like no other. There are mystical deserts, rolling hills, dense forests, different climates and many species of wildlife. It’s certainly a region that you have to budget a considerable amount of time exploring, and you can finally afford that in retirement. Its also a great place to travel via RV, a popular mode of transportation for retirees. Donna Hull, the author of My Itchy Travel Feet (a babyboomers’ guidebook to travel) says, “begin by exploring the hiking trails, glaciers and lakes of Glacier National Park.” “Of course driving the engineering…

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Six Hottest Retirement Destinations of 2017

Thinking about retiring?…These six places are the hottest retirement destinations of 2017!  1. Cape Coral, Florida Ranked as the number one place in America to retire on a number of lists, Cape Coral is a no-brainer. This sunny floridian town boasts a low cost of living and like everywhere in Florida, there’s no state income tax! There’s a thriving senior community, with places to congregate such as the Cape Coral Yacht Club. The city is easily walkable and there’s also excellent public transportation. Superb healthcare is provided at both Lee County VA Medical Center and Cape Coral Hospital. But most…

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Retiree Drug Subsidy (RDS) vs Employer Group Waiver Plans (EGWP)

With all the recent healthcare reform intiatives, EGWP is becoming the most cost-effective way for your company to provide its retiring workforce with retiree prescription drug coverage. An EGWP, colloquially known as an “egg whip” is an option with group Medicare Part D prescription drug plans offered to retirees who were promised prescription drug coverage as part of their Other Post-Employment Benefits (OPEB). Benefit solution companies such as Benistar contract their medical insurance with the Centers for Medicaid and Medicare Services (CMS) to serve as a Medicare Part D Plan Sponsor and maintain compliance with CMS regulations in regards to…

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The Deception of Junk Insurance

In an article to the New York Times, Julie Arkison thinks back to how things were before the Affordable Care Act created standards and regulations for her health insurance. At the time, the health insurance policy she had, which was from the same health insurance company that covers her now, didn’t cover the costs of doctor visits except for a gynecological exam and a yearly checkup. “I couldn’t even go to my regular doctor when I was sick,” said the 53 year-old, self-employed horseback-riding teacher from Saline, Michigan. Julie’s medical insurance did not cover any of the exams before or…

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Generic Prescription Drugs Offer Seniors Huge Savings

Benistar’s Generic Prescription Drugs Offer Seniors Huge Savings Without medical insurance, the cost of brand name prescription drugs can be quite overwhelming. Brand name medications offer no real benefit versus their generic alternatives. They are virtually the same thing. In order to gain approval from the U.S. Food and Drug Administration (FDA), generic prescription drugs are required to have the same dosage form, strength, active ingredient, and route of administration as their brand-name counterparts. The manufacturers of generic drugs must also demonstrate that theirs drugs are absorbed at the same rate. The only real difference between generic drugs and brand-name…

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Top Health Concerns of the Elderly

Today most Americans can be expected to live longer than ever before. Advances in medical technologies have been enriching and extending people’s lives for the better part of this century. According to the Center for Disease Control and Prevention (CDC), once you hit 65, data suggests that you can be expected to live an average of another 19.3 years. But for many seniors this will include carefully managing chronic health conditions in order to stay vigorous and ahead of the curve. It is vitally important that seniors make healthy lifestyle choices and avoid health related risks. Choices like quitting smoking,…

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Popular Medications for Memory Loss

As we get older (and hopefully wiser) our bodies start to experience strain. This is an unfortunate fact about aging, sometimes the wear and tear of life causes problems in cognitive performance during our golden years. It is important to buy private health insurance with a Medicare drug plan to help cover the expenses of doctor’s visits and medication. While forgetfulness and some short term memory loss can be expected, these things can become a bigger issue when that memory loss disrupts your daily life and creates daily challenges out of ordinarily normal tasks. This is usually a sign that…

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