News & Resources

Investment bank Morgan Stanley recently hired a Chief Medical Officer. General Motors made the Detroit-based Henry Ford Health System the only in-network option for 24,000 salaried employees in southeast Michigan.

Long Term Care Insurance

What is Long Term Care

Long Term Care is the assistance individuals need when they are unable to care for themselves and need help with Activities of Daily Living (ADLs) - bathing, dressing, transferring, toileting, continence (control of bodily functions), and eating - or they have severe cognitive impairment such as Alzheimer's disease. The need for long term care can result from an accident, chronic illness or short-term disability, or from advance age.

Even though overdose deaths linked to prescription opioids have more than quadrupled since 1999, many people do not really understand what opioids are. To clarify, opioids are a class of drugs including heroin and prescription narcotics such as hydrocodone, oxycodone, codeine, morphine and other chemically related drugs.

Why Do You Need Health Insurance?

Today, health care costs are high, and getting higher. Who will pay your bills if you have a serious accident or a major illness? You buy health insurance for the same reason you buy other kinds of insurance, to protect yourself financially.

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