It's very common for dental and/or vision insurance to be among available employee benefits, and when that's the case, it may be relatively easy to decide on a policy-type. But, what if you need to shop for individual dental insurance? What are the factors to consider in making your choice?

When shopping for health insurance for the year ahead, you obviously have to pay a lot of attention to the features of the plan you select. But the reality is, you're not just choosing a plan - you're choosing a healthcare partner you'll rely on financially in time of need.

Selecting and customizing your health plan each year isn't always a simple, easy to navigate process. In fact, the multiplicity of government regulations and plan summary "fine print" makes it wise to utilize the services of an experienced health plan consultant  to ensure you make the most beneficial decisions.

To be truly competitive in the modern marketplace, businesses must compete for employees as much as for customers. Few things will influence top talent to come to your company and stay there more than an optimally valuable employee benefits package.

Ideally, everyone would already have a full health insurance policy that lasts the whole year and is renewable at year's end. But what if you are without health coverage and it's between open enrollment periods?