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Songer Benefits, Inc. Blog

All You Ever Wanted to Know About Insurance

5 Things to Consider When Choosing a Group Health Plan

Group Size How many employees are in the group? Songer Benefits offers flexible plan designs with solutions for groups from 2 to 500 employees. All groups that sign up for a group health plan through Songer Benefits...

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Group Dental Insurance

Amid the Great Resignation, benefits are more important than ever for attracting and retaining employees. When you’re selling to groups, keep in mind that around 37% of employees would rather receive more substantial...

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Dental Insurance

A quick look at people without dental insurance - In 2019, almost 74 million people, or nearly 25% of Americans, are without dental insurance in the United States. Some of that population will purchase individual dental...

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Medicare Supplement Plan N

Medicare Supplement Plan N, also called Medigap Plan N; was created for Medicare beneficiaries who liked the idea of paying a lower monthly premium in exchange for taking on a small annual deductible and some copays...

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Medicare Sign Up

If you are approaching your Medicare eligibility, there are essential things to know about your enrollment that can save you time. Medicare is a health program for folks 65 and over, certain people under 65 with...

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Understand Different Types of Life Insurance

Understanding Different Types of Life Insurance Life insurance is one of the most common employer-provided benefits. This article covers the basics of life insurance and the different types of employers can offer to...

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What is a Medicare Advantage Plan

When enrolled in Medicare You are responsible for many out-of-pocket costs related to your health care services. For many years, people on Medicare had only Medigap plans for additional coverage. While these plans have...

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Medigap Plan G

Plan GMedigap Plan G is one of about ten Medigap plans available to Medicare beneficiaries. Medigap Plan G has become increasingly popular since 2020, and we’ll discuss why that is a bit later. You might also hear...

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Medicare Explained Quickly

An Issue with New Medicare beneficiaries: Is that they get bogged down trying to learn about Medicare supplements, and Medicare Advantage plans before they even really understand how their original Medicare benefits...

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Health Savings Accounts with Medicare

You cannot contribute to a health savings account once you enroll in any part of Medicare. That's right, it's a no-no with the IRS and could get you a tax penalty if you get caught doing it.Songer Benefits has many...

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The Best Medicare Supplement Plans in 2022

The Best Medicare Supplement Plans in 2022: Medicare Supplements or Medigap plans are always standardized, meaning that the plan benefits are the same by letter across any insurance company so for example, a plan A will...

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Should I Delay Medicare? Employer Plans vs. Medicare

Should I Delay Medicare? Employer Plans vs. Medicare Should I drop my employer insurance and go on to Medicare? Well, this can be a complicated question, and there are several critical factors that you want to consider...

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Temporary (Term) Life Insurance Basics

Temporary life insurance is also known as term life insurance; this is the type of life insurance that will replenish your economic human life value if you're an unintended end during a specific time. This sometimes is...

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Key Person Life Insurance

Key Person Life Insurance: Most companies have at least one individual who is a critical part of the company's operations and success. This person may be a partner come, owner, majority stockholder, or another...

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Indexed Universal Life Insurance

Indexed Universal Life Insurance Many people see life insurance as a simple, straightforward protection policy that pays out a sum to beneficiaries upon the policyholder's death. However, life insurance can also be a...

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Health Insurance Enrollments Outside of Open Enrollment

Open Enrollment may be over, but you may still be able to enroll Health Insurance coverage for Plan Year 2022 if they qualify for a particular enrollment period (SEP). A SEP is a time outside the annual Open Enrollment...

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Short-Term Medical Health Insurance

With a short-term medical health plan, you select the coverage term length minimum of 30 days in most states; maximum term length can vary up to 364 days, then choose your deductible and coinsurance that fit your budget....

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Universal Life Insurance

A universal life insurance policy gives you the flexibility to choose the amount of protection that best fits your needs. The key to a universal life policy flexibility is the cash value. Each premium goes into the cash...

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Term Life Insurance

Term life insurance offers several low-cost life insurance solutions to meet your ever-changing needs. Benefits range from 10 to 30 years, offering the flexibility to build a life insurance program that best suits your...

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Guaranteed Whole Life Insurance

Whether you're just starting or planning for retirement, guaranteed whole life insurance offers around a range of guarantees you can count on. Guaranteed whole life insurance can offer guaranteed premiums that stay the...

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Individual Health Insurance

A broad definition of individual health insurance is a personally purchased contract of insurance that provides benefits in an insurance illness or injury. Medical expense insurance pays for or provides access to...

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