March 24, 2025
J.A. Faccibene & AssociatesWhat Is a Second-to-Die Life Insurance Policy?
A second-to-die life insurance policy, also known as survivorship life insurance, is a specialized type of coverage designed to provide financial protection for two individuals, typically married couples. Unlike traditional life insurance policies that pay out upon the death of a single insured person, a second-to-die policy disburses the death benefit only after both insured […]
February 25, 2025
Joy BulosanWhat Conditions Are Covered by Disability Insurance?
Disability insurance can be a critical investment in your financial security and peace of mind. If an accident or health condition derails your livelihood and affects your income, you may need help staying afloat. Fortunately, these policies are designed to provide financial support if you cannot work due to a disabling condition. Understanding the ins […]
January 26, 2025
J.A. Faccibene & AssociatesHow to Navigate Health Insurance for Self-employed Individuals
Navigating health insurance as a self-employed individual can be challenging. Unlike traditional employees, self-employed individuals must take the initiative to find and manage their own health coverage. Navigating Individual Health Insurance The following are four key steps to help you through the process: 1. Assess your needs. Start by evaluating your health care needs. Take […]
December 18, 2024
J.A. Faccibene & AssociatesHow to Assess Your Need for Supplemental Health Insurance
Navigating the complexities of health insurance can be daunting, especially when considering whether to add supplemental coverage. Supplemental health insurance can fill the gaps left by your primary insurance, offering additional financial protection and peace of mind. Should I Get Supplemental Health Insurance? Supplemental health insurance can be a valuable addition to your primary health […]
November 18, 2024
J.A. Faccibene & AssociatesThe Impact of HSAs on High Deductible Health Plans
Understanding the many health insurance coverage options available to you is key to optimizing the cost-effectiveness of your plan and contributions. One increasingly popular way to approach medical expenses is through health savings accounts (HSAs), which have become popular for individuals enrolled in high deductible health plans (HDHPs). These accounts offer a range of benefits […]
October 22, 2024
J.A. Faccibene & AssociatesNavigating Open Enrollment for Health Insurance
Open enrollment is a critical period during which you’re tasked with making decisions about your health insurance that will likely remain in effect for the entirety of the coming year. Although there may sometimes be situations that allow you to make adjustments during a special enrollment period, generally, what you decide on during open enrollment […]
July 24, 2024
J.A. Faccibene & AssociatesDifferences Between an HSA and FSA
The world of health insurance can be complicated, as many types of plans may offer various advantages and include certain drawbacks. Two prominent and popular health insurance options potentially available to you and your family are health savings accounts (HSAs) and flexible spending accounts (FSAs). By understanding these coverage options, you may position yourself better […]
June 25, 2024
J.A. Faccibene & AssociatesTelehealth and Health Insurance in Chronic Disease Management
In the modern era, technology has become an integral part of our lives, and health care is no exception. One of the most significant advancements in health care technology in recent years may be the emergence of telehealth. This rapidly growing field can leverage digital information and communication technologies to provide health care services remotely, […]
May 21, 2024
J.A. Faccibene & AssociatesThe Basics of Health Insurance Explained
Your health and wellness are integral to maintaining an enjoyable quality of life and pursuing future goals. However, even if you take responsible steps to live a healthy lifestyle and avoid unnecessary dangers, some accidents, injuries and illnesses may still be inevitable. With this in mind, you should prioritize ensuring you can access the medical […]
April 25, 2024
J.A. Faccibene & AssociatesUnderstanding Group Health Insurance Costs
In today’s dynamic work environment, employee benefits are crucial in attracting and retaining top talent. Among these benefits, group health insurance stands out as a cornerstone offering, providing employees access to essential health care services while offering employers a means to enhance their workforce’s well-being. Group health insurance can be an attractive opportunity for employees […]