Assure Health Life Options

01/13/2026

Fast Fact: You can spend FSA funds on prescription medications, as well as over-the-counter medicines with a doctor's prescription. Reimbursements for insulin are allowed without a prescription.

01/12/2026

Unspent HSA funds roll over from year to year. You can hold and add to the tax-free savings to pay for medical care later.

01/09/2026

“Focus on being productive instead of busy.”

01/08/2026

With Health Insurance, Cost Sharing is the share of costs covered by your insurance that you pay out of your own pocket. This term generally includes deductibles, coinsurance, and copayments, or similar charges, but it doesn't include premiums, balance billing amounts for non-network providers, or the cost of non-covered services.

01/07/2026

Fast Fact: MOOP is an acronym standing for “maximum out-of-pocket” costs. The MOOP is the limit on annual out-of-pocket expenditures paid by a health plan enrollee for medical services that are covered by a health insurance plan.

01/06/2026

Retiring in 2026? Retirees need to understand the financial implications of Medicare, IRMAA, Social Security, and tax-efficient withdrawal strategies.

01/05/2026

An Out-of-Network Copayment is a fixed amount (for example, $30) you pay for covered health care services from providers who don't contract with your health insurance or plan. Out-of-network copayments usually are more than in-network copayments.

01/02/2026

Wellness 101: There are many ways to start taking advantage of the brain and memory-boosting benefits of socializing. Volunteer, join a club, make it a point to see friends more often, or reach out over the phone. And if a human isn’t handy, don’t overlook the value of a pet—especially the highly-social dog.

01/01/2026

12/30/2025

An "Explanation of Benefits" EOB is created after a claim payment has been processed by your health plan. It explains the actions taken on a claim, such as the amount that will be paid, the benefit available, discounts, reasons for denying payment and the claims appeal process. EOBs are available as a paper copy or electronically.

12/30/2025

Medicare Part C Advantage plans have different networks, premiums, and cost-sharing. Working with an insurance agent that specializes in these plans is a great way to ensure that you consider all the variables before choosing your insurance company.