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More employers are adding options for long-term care insurance to their employee benefits packages. As the average age of our nation’s population increases and life spans extend longer, the U.S. is seeing a growing need for long-term care. Most people forget to plan their health care coverage past retirement, and health plans like Medicare and private health insurance plans typically do not cover expenses for ongoing

According to the Centers for Disease Control and Prevention, 6 in 10 U.S. adults have a chronic disease and 4 in 10 adults have two or more conditions. Furthermore, chronic diseases are the leading drivers of the nation’s $4.1 trillion in annual health care costs and are a significant source of financial pain for employers. What differentiates chronic health care from other types of care? Chronic health conditions re

Health care can get expensive, especially if you or your family experiences injuries or illnesses that frequently land you in the doctor’s office or hospital. If you are looking for ways to spend less on health care, consider these tips. Understand how your health plan works. Read your health insurance benefits summary to know what is covered and what your portion of the bill will be for different services and