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Long term care can take on many forms, anything from the health care worker who comes to a client s home once a week and helps out with cleaning and laundry all the way to round-the-clock care in a nursing home.

All of us hope we will never need long term care, but the truth of the matter is more and more of us - especially older citizens - do need full or part-time help with some or all of our daily living activities.

Through the state s Medicaid program the Oregon Department of Human Services determines which seniors are in need of assistance with Activities of Daily Living (ADL) and provides assistance based on a scale of 15 needs categories.

However, qualifying for state assistance is not always possible and the choice of care facilities and types of care available through Medicaid are severely limited and may not be right for you even if you do qualify for assistance.

The best choice for a healthy individual is to purchase affordable long term health care insurance from on (more...)

Finding the right group health plan for your business can be downright intimidating: sorting through lists of insurance companies and plans checking and re-checking the dollars and totals for deductibles and co-pays making sense of plan limitations and exclusions deciphering a dictionary s worth of insurance-speak. It s enough to make anyone feel like a high-school freshman again.

Texas insurance law allows a wide array of health care coverage plans and packages. All group health insurance has its limitations and finding the right employee health plan at the right price can be challenging.

In Texas, the term “small employer” is a special insurance designation reserved for businesses with two to 50 eligible employees. The law provides some added protections to these businesses, including a 15 percent annual cap on rate increases due to health factors, a state-enforced guarantee that carriers cannot arbitrarily discontinue coverage, and a cooperative purchasing provision that lets (more...)