by Vicki Ferguson | Feb 2, 2026 | Health Insurance Tips
The Growing Burden of Chronic Illness Chronic illnesses like diabetes, heart disease, and autoimmune disorders are more than just health conditions. They’re financial challenges. According to the CDC, 6 in 10 adults in the U.S. have a chronic disease, and 4 in...
by Vicki Ferguson | Nov 24, 2025 | Health Insurance Tips
Every fall, insurance companies quietly update the “map” of which medications they cover in their health plans. This map is your drug formulary, and it can change every single year. Sometimes your prescription stay exactly where they are. Other times they move to a...
by Vicki Ferguson | Oct 29, 2025 | Health Insurance Tips, Small Business
A Smarter Approach to Employer Health Coverage For many small business owners, offering health insurance is one of the hardest parts of running a company. Rising premiums, complex regulations, and unpredictable renewals make it difficult to balance employee needs with...
by Vicki Ferguson | Sep 29, 2025 | Health Insurance Tips
For many seniors, Medicare is meant to be the safety net that ensures healthcare costs remain predictable and affordable in retirement. But too often, what looks like a straightforward plan on paper comes with hidden costs that catch people by surprise. These...
by Vicki Ferguson | Sep 8, 2025 | Health Insurance Tips
A practical, consumer-friendly guide breaking down essential terms, with real-life examples, trusted data, and expert insight. Health insurance can feel like it’s written in another language, full of words like deductible, coinsurance, or EOB. In fact, 51% of...
