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Health Savings Accounts – A Potential Retirement-Savings Vehicle

Health Savings Accounts – A Potential Retirement-Savings Vehicle Some workers are embracing health savings accounts, but their value as a potential retirement-savings vehicle is still largely untapped and misunderstood. Health Savings Accounts (HSAs) were established in 2003 by the Medicare Modernization Act so that individuals covered by high-deductible health plans could receive tax-preferred treatment of … Continue reading “Health Savings Accounts – A Potential Retirement-Savings Vehicle”

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To Save Money and Increase Coverage in the Insurance and Retirement Sector, You Must Challenge the Industry’s Status Quo

A Q&A with Chris Roche – President & CEO of CMR & Associates Christopher M. Roche is the founding President and CEO of CMR & Associates – a (non-brokerage) consulting firm that works with large companies and high net-worth individuals to improve their current insurance policies and retirement packages and reduce cost.  Why did you … Continue reading “To Save Money and Increase Coverage in the Insurance and Retirement Sector, You Must Challenge the Industry’s Status Quo”

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Wondering What is Covered by Medicare Part A and/or Part B? There is an App for That!

Lots of Baby Boomers are lost in their understanding of what is covered by Medicare — and all its parts. Need to know if a medical item or service is covered by Medicare? There is an App for that! You can download the Centers for Medicare & Medicaid Services (CMS) “What’s Covered” App — available for free … Continue reading “Wondering What is Covered by Medicare Part A and/or Part B? There is an App for That!”

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Space Insurance – What You Need to Know

The insurance market for the commercial space transportation industry is a global one, with satellite owners, satellite manufacturers, launch services providers, insurance brokers, underwriters, financial institutions, reinsurers, and government agents worldwide cooperating in order to coordinate an insurance package for any given commercial satellite launch. Lloyd’s of London covered the first satellite insurance policy in … Continue reading “Space Insurance – What You Need to Know”

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Now that Hemp Production is Legal, What about Hemp Crop Insurance?

In 2018, Congress passed the Agricultural Improvement Act of 2018 (2018 Farm Bill), amending the Farm Bill which was originally passed in 1933. The 2018 Farm Bill includes the Hemp Farming Act of 2018, which distinguishes hemp from other cannabis plants such as marijuana. Under the 2018 Farm Bill, hemp is no longer a Schedule I drug … Continue reading “Now that Hemp Production is Legal, What about Hemp Crop Insurance?”

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Retiree Health Insurance – Five Things You Need To Know

If you are retired and have Medicare and a group health plan coverage from a former employer (retiree insurance), you might wonder how your retiree insurance works with Medicare. If you are fortunate enough to have a group health plan (retiree) coverage from a former employer in addition to Medicare, generally Medicare pays first for your health … Continue reading “Retiree Health Insurance – Five Things You Need To Know”

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Supplemental Health Coverage – Eight Things You Need To Know

When it comes to supplemental coverage for Medicare, it is important to do your homework before making a coverage decision. Because Medicare does not cover all healthcare costs, you might need a Medicare Supplement Insurance. What is Medicare Supplemental Insurance (Medigap)? A Medicare Supplement Insurance policy (also known as Medigap) helps pay some of the … Continue reading “Supplemental Health Coverage – Eight Things You Need To Know”

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