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Newborn Safety Checklist for First-Time Parents

After the birth of a first child, many new parents are struck by the awesome responsibility they have just taken on. Newborn babies are completely dependent on their parents and caregivers to protect and nurture them. In keeping with Baby Safety Month in September, the following checklist can help first-time parents keep their newborns safe. Infant Safety Checklist Always support the baby’s head. A newborn’s...

When to Consider Supplemental Health Insurance

Supplemental health insurance can cover out-of-pocket expenses that your regular health insurance plan does not cover. Many older adults purchase this type of plan when they go on Medicare. Younger individuals may also consider supplemental health coverage to pay for deductibles, co-pays, coinsurance, and other expenses that may arise in the event of a serious accident or illness.  If you are under age 65 and...

Do Freelancers and Gig Workers Get Employer-Sponsored Health Insurance?

With the high cost of healthcare today, we all need health insurance. Freelancers and gig workers do not have the benefit of an employer-sponsored group health plan, but they can still purchase health insurance to help cover their medical expenses. The following are some possible options. The Marketplace Individual health insurance is available for purchase through the Marketplace at healthcare.gov. There are many options from...

Can I Buy Health Insurance on My Own?

You may be considering buying health insurance and could use some advice. The Affordable Care Act dramatically changed the rules, eradicating the insurance company's ability to deny insurance for preexisting conditions. Much of the Act is still in place, with some changes. Yes, you can buy health insurance on your own, but you may find the process surprisingly complicated and confusing. What plan is best...

Staying Healthy While Working from Home

Working from home has become the "new normal," even as office buildings begin to open their doors again. Most workers have transitioned to daily Zoom calls, email, and texting to perform the duties of employment. Being forced to stay home over months of restrictions, and with gyms closed for many of those months, may have caused your normal exercise regimen and track to staying healthy...