Why Does a HVAC Business Need Insurance? Liability Protection Insurance provides coverage in case of accidents or damage that occur on the job site, protecting the contractor or business from potential lawsuits and financial losses. Property Protection Insurance can cover the cost of repairing or replacing tools, equipment, and vehicles in the event of…
Essential Business Insurance Tips for HVAC Businesses Assess Your Risk Identify potential risks specific to your HVAC business, such as property damage, liability claims, worker injuries, and vehicle accidents. Choose the Right Coverage Invest in insurance policies that adequately cover your business needs, including general liability insurance, commercial property insurance, workers’ compensation insurance, commercial…
How Much Insurance Coverage Do I Need for My Car or Home in Lancaster, SC? Insurance is a way to protect yourself financially if something unexpected happens. Whether you own a car or a home, it’s important to have insurance coverage to avoid potential financial risks. But how much coverage do you actually need? Here…
How Can I Find the Best Insurance Rates in Lancaster, SC? Finding the best insurance rates in Lancaster, SC, can be a daunting task. With so many insurance companies and policies available, it’s easy to get overwhelmed. However, there are several things you can do to find the best policy at the best price.…
Creative Employee Benefits Ideas to Stand Out as an Employer As competition for top talent intensifies, employers are looking for ways to differentiate themselves and attract and retain the best employees. One way to stand out is by offering creative and unique employee benefits. In this post, we’ll share some creative employee benefits ideas…
Medigap and Medicare Advantage Plans in Lancaster SC: The Pros and Cons Which One is Right for You? As people age, their healthcare needs tend to increase. Fortunately, the government has established Medicare, a federal health insurance program that covers a wide range of healthcare services for those aged 65 and older, as well…
What are 5 Things People Look for in a Local Insurance Agent in Lancaster SC? When searching for a local insurance agent in Lancaster SC, people typically look for someone who is knowledgeable, trustworthy, and responsive to their needs. Here are some more specific details and examples of the top things people look for in…
What Affects Your Home Insurance Rate in Lancaster SC? 10 Factors to Consider with HFC Insurance From Location to Credit Score, Understanding the Factors that Impact Your Home Insurance Premiums Home insurance is an essential part of protecting your most significant investment. However, the cost of your premiums can vary significantly based…
How Age Affects Your Insurance Rates: Understanding the Impact and Finding the Best Coverage with HFC Insurance From Auto to Life Insurance, Knowing How Age Impacts Your Rates Age can have a significant impact on your insurance rates. Insurance providers consider age as a key factor when determining your rates. Different age groups are…
When Should I Evaluate My Insurance Needs? A Guide from HFC Insurance Don’t Wait for the Unexpected – Ensure You Have the Right Coverage with Our Expert Help Insurance is an essential part of protecting your assets, your family, and your future. But with so many options and policies available, it can be…
What is Liability Car Insurance and What You Need to Know? If you’re a car owner, you’ve likely heard the term “liability car insurance” thrown around. But what exactly does it mean? Liability car insurance is a type of coverage that pays for damages and injuries you cause to others in an accident. In…
What is Comprehensive Insurance and Why You Need it? Understanding Comprehensive Insurance Comprehensive insurance is a type of coverage that helps protect you from a variety of risks that standard insurance policies do not cover. We’ll explore what comprehensive insurance is, what it covers, and why you should consider adding it to your insurance…
What is Collision Insurance and Why You Need it? Understanding Collision Insurance Collision insurance is a type of coverage that helps protect you from damages to your vehicle in the event of a collision. Let’s explore what collision insurance is, what it covers, and why you should consider adding it to your insurance policy.…
The Essential Types of Insurance Every Homeowner Needs As a homeowner, it’s important to protect your investment and your family’s well-being with the right insurance coverage. Home insurance is a crucial part of homeownership, but it’s not the only type of insurance you need. In this blog post, we’ll explore the essential types of…
The Top 5 Myths About Insurance Insurance is something that most of us will need at some point in our lives. Yet, there are still many myths and misconceptions surrounding insurance that can prevent people from obtaining coverage. In this blog post, we’ll debunk the top 5 myths about insurance and set the record…
Your Credit Score and Insurance Rates: What You Need to Know How Does My Credit Score Affect My Insurance Premiums? As a savvy consumer, you may be aware that your credit score plays an important role in determining your financial health. But did you know that it can also impact your insurance premiums? Your…
A Comprehensive Guide to Different Types of Insurance: Protecting Your Assets and Future with HFC Insurance From Auto to Medicare, Understanding Your Insurance Coverage Options Insurance is an essential part of protecting your assets and your future. But with so many types of insurance available, it can be hard to know which policies…
5 Common Myths About Life Insurance You Need to Know Debunking Misconceptions About Life Insurance Life insurance is a crucial financial product that can provide valuable protection for you and your loved ones. However, many people have misconceptions about life insurance that prevent them from getting the coverage they need. In this article, we’ll…
Protect Your Car Today: HFC Insurance is Your One-Stop Solution for Car Insurance! Are you in the market for car insurance but feeling overwhelmed by the options? Do you want to ensure you’re getting the best coverage possible without breaking the bank? Look no further than HFC Insurance! Our team of experts is dedicated…
What are the Drawbacks of Purchasing Insurance Services Online & Why You Should Choose a Local Insurance Agency The Importance of Using a Local Insurance Agency The internet has made it easy to purchase almost anything online, including services such as insurance. While buying insurance online or using an out-of-state provider may seem convenient,…
10 Must-Have Employee Benefits and How HFC Insurance Can Help! As an employer, providing your employees with comprehensive benefits is key to attracting and retaining top talent. But with so many options out there, it can be difficult to know which benefits are most important. In this blog, we’ll cover the top 10 most…
Can an Insurance Carrier Cancel Your Home and Car Insurance? As a homeowner or car owner, having insurance is essential to protect your property and finances. But what happens if your insurance carrier suddenly decides to cancel or non-renew your policy? Below, we’ll discuss the reasons why an insurance carrier may cancel your home or…
How Does HFC Insurance Provide Outstanding Customer Service to Our Clients? At HFC Insurance, customer service is more than just words. It’s our culture. Join our family to see what we are talking about. Here are some of the key factors that make our customer service stand out: Local Support We are…
How to Buy Homeowners Insurance: A Comprehensive Guide What is homeowners insurance? Homeowners insurance is a type of insurance that protects your home and belongings against damage or loss from perils such as fire, theft, and natural disasters. It is essential to have homeowners insurance to protect your investment and personal property. Determine…
What Questions to Ask Your Home Insurance Agent When it comes to protecting your home, having the right insurance coverage is essential. However, navigating the world of home insurance can be overwhelming, and it’s important to make sure you have all the information you need to make informed decisions. One of the best ways…
Is It Time to Fire Your Insurance Broker? Are you tired of dealing with a lackluster insurance broker who doesn’t have your best interests in mind? It’s time to consider making a switch to a different insurance broker. In this post, we’ll discuss the importance of having a good insurance broker, common issues you may…
How Rising Home Prices, Crime, and Inflation Affect Your Home Insurance Rates Are you wondering why your home insurance rates keep going up? It’s important to understand the factors that can affect your rates, including rising home prices, crime, and inflation. Rising Home Prices and Your Insurance Rates As home prices increase, so…
The Ultimate Guide to Medicare: Why HFC Insurance is Your Best Option Introduction to Medicare If you’re new to Medicare, you may be feeling overwhelmed by the different plans and options available. However, understanding the basics of Medicare is essential in making an informed decision about your healthcare coverage. Medicare is a federal health…
How the Right Broker Can Help a Business Recruit the Right Employees Recruiting the right employees with the right benefits package can be a daunting task for businesses. Many businesses struggle to find and retain top talent due to a lack of understanding about the benefits they offer. However, with the help of the…
5 Common Issues People Face When Choosing Insurance and How to Avoid Them When it comes to choosing insurance, many people face common issues that can lead to inadequate coverage, unexpected expenses, and other problems. Here are five of the most common issues people encounter when choosing insurance, and some tips on how to…
The Ultimate Guide to P&C Captive Insurance Understanding the Benefits and How it Works As a business owner, you know that insurance costs can be a significant expense. With traditional insurance options, you’re at the mercy of fluctuating premiums and unexpected claims. But what if you could manage your risk and control your insurance…
5 Reasons Why You Need Insurance & How We Can Help Insurance is something that many people don’t think about until they need it. However, insurance can be an essential part of financial planning, providing protection and peace of mind when unexpected events occur. Here are five reasons why you need insurance and how…
Top 10 Mistakes to Avoid When Buying Home Insurance Not shopping around Don’t accept the first quote you receive. Shop around and compare quotes from several insurance providers to get the best coverage for your needs. If you don’t shop around for home insurance, you may miss out on the opportunity to find a…
10 Benefits of a Business Owners Policy A Business Owners Policy (BOP) is a type of insurance package that is designed to provide coverage for small and medium-sized businesses. It typically combines various coverages, such as property insurance, liability insurance, and business interruption insurance, into one convenient policy. A BOP typically covers damage to…
Workers Compensation Coverage: Mistakes to avoid when making the purchase Workers compensation coverage is insurance that provides benefits to employees who are injured or become ill as a result of their job. The coverage typically includes medical expenses, lost wages, and rehabilitation costs. Here are some common mistakes to avoid when making a…
The Ultimate Guide to Commercial Insurance: Protecting Yourself and Your Business Assess Your Business Needs Evaluate the risks associated with your business and determine the insurance coverage you need to protect yourself and your business. General Liability Coverage Business general liability coverage is a type of insurance that provides financial protection for businesses…
The Ultimate Guide to Personal Insurance in Lancaster SC Personal insurance is a type of insurance that provides financial protection to individuals and their families against various risks and uncertainties. It can help individuals cover expenses related to medical care, property damage, and liability, among other things. Understanding Personal Insurance Personal insurance is…
What Should You Look for in an Insurance Agent When looking for an insurance agent, it is important to consider the following factors: License and experience Make sure the agent is licensed and has experience in the type of insurance you need. This will ensure that they are knowledgeable and able to…
The Do’s and Don’ts of Insurance Here are some of the do’s and don’ts of insurance: Do’s: Shop around for the best coverage and rates before purchasing insurance. Read and understand your insurance policy, including coverage limits and exclusions. Keep accurate records and receipts of your insurance claims. Review and update your…
10 Things to Know About Your Home Insurance Coverage limits As mentioned in the previous response, your home insurance policy has coverage limits that determine the maximum amount the insurance company will pay out for a covered loss. Deductibles Understanding the deductible you have chosen and how it affects your overall insurance costs is…
Top 20 Questions People Ask About Home Insurance What is home insurance? Home insurance, also known as homeowners insurance, is a type of insurance that provides coverage for your home and personal belongings against a variety of risks and losses. This insurance is designed to protect your financial investment in your home and to…
What Type of Benefits Can Small Business Owners Offer? Small business owners can offer a variety of benefits to their employees, such as: Health insurance Small businesses can offer their employees several types of health insurance, including: Group health insurance This is the most common type of health insurance offered by small businesses.…
What is an ICHRA? Is it Right for Your Business? As more and more brokers reach out to employers stating, “we can get your employees free health insurance”, understand what they are talking about. Nothing is free and a business needs to understand the whole picture. More employers are opting to fund accounts that…
8 Tips If You Are Changing Your Health Insurance Carrier Changing your insurance carrier from time to time is something we must do. When you do, what are some of the things you need to keep in mind? Make Sure You Don’t Have a Doctor’s Appointment on the Day It Takes Effect It…
5 Things to Know About Homeowner’s Insurance in Lancaster SC If you have a homeowner’s insurance policy, it’s important to understand what you have and get the most coverage for the price. So, what are the 5 things to know about your home insurance in Lancaster SC? Know Your Exclusions The worst time to…
Once you qualify for Medicare, you have some choices regarding paying for prescription drugs out-of-pocket drug costs. Basic Medicare (Part A and B) does not cover prescription drug costs (except in the case of injectables given by a professional). You will have to either pay out of pocket, arrange outside coverage, or buy coverage via…
Choosing the right Medicare plan is one of the most important decisions you have to make as a senior. Since there are hundreds of policies to consider when choosing, and an overabundance of information to plow through with each one, most people just get frustrated and guess when they choose a policy. But by taking…
Medicare can be hard to navigate, even if you’ve been enrolled for years. As open enrollment approaches – it starts Oct. 15 and runs through Dec. 7 – you’ll want to pay attention to some of the most common mistakes people make. Not understanding the difference between Original Medicare and Medicare Advantage With Original Medicare,…
Don’t get a Medicare Part D penalty. The Medicare Rights Center recently issued a brief to show the many complex issues of knowing when to enroll in Part D of Medicare. The brief also outlined what would happen if mistakes were made. After receiving a lot of questions and complaints from the previous year, Medicare…
How much does Medicare cost? Is Medicare free? Is Medicare Part B free? What are my Medicare premiums in 2023? Many don’t realize that Medicare isn’t free. The costs for Medicare Part B and Part D, as well as supplemental coverage, are something that many don’t anticipate in retirement. It can surprise you when you…
What is Medicare Part D? Medicare Part D covers prescription drugs. Medicare Part D is a federal program that began in 2006. It provides Medicare beneficiaries with access to retail prescription drugs at affordable copays. Prior to 2006, people on Medicare had to pay high retail prices for their medications. This program helps seniors…
Medicare Part C is strictly voluntary. It is the official name for the program we now know as Medicare Advantage. Part C plans provide you an alternative to traditional Medicare. Not everyone will feel like Part C is the best fit for them. Medicare Advantage is a type of Medicare health plan offered by private…
What is Medicare Part B? It is your outpatient medical coverage for medically necessary healthcare services. What is Medicare Part B? What does Part B cover? Many people think of it as medical coverage, but it actually covers things both in and out of the hospital. Think of Part B coverage as any care administered…
Medicare Part A is your hospital coverage. It provides you with affordable inpatient care. So, what’s does Part A cover? It’s going to cover a semi-private room with a bed for you, and all your regular meals while you are there. It will cover medications furnished to you by the hospital and any necessary lab…
When Can I sign up for Medicare? Who is eligible and when can you get Medicare? Medicare eligibility begins for most people at age 65. Individuals who have been entitled to Social Security disability for at least 24 months also qualify. There are other situations someone can qualify for Medicare under the age of…
What is Medicare and how will it work? What will it cover? Though these may seem like simple questions, the answer is complex. The idea here is to simplify those questions so you can make an informed decision that is right for you. Medicare is a national health insurance program in the US for people…
When you’re shopping for a Medigap insurance policy, it can be tempting to focus on one number: The monthly premium. For several reasons, however, it is wise to consider various factors. A Medigap policy is health insurance sold by private insurance companies to fill the “gaps” in Original Medicare plan coverage by helping to pay…
When you turn 65, you have some important decisions to make about your Medicare benefits. You must also make these decisions within a specific time frame. It’s important to understand your choices, and the timeline by which you must make them in order to avoid penalties. Normally, most Americans become eligible for Medicare benefits when…
What Questions Should I Ask a Pharmacist in Lancaster SC? I had the privilege of interviewing Hugh Mobley at Mobley Drugs in Lancaster, SC. He’s a local pharmacist that’s been in the community for over 40 years. In this podcast, Hugh answered several questions people should ask their pharmacist. I have transcribed that podcast…
What is the difference between car insurance or a car warranty? We all see the commercials or deal with the calls. Save money by bundling your car insurance and your car warranty is about to expire. What is the difference between car insurance or a car warranty? Is there a difference? What is…
That sound. Drip, drip, drip. It’s one of those sounds you don’t want to hear hitting your floor. The next thing that comes to mind is, if you purchased your home insurance in Lancaster SC, does it cover a roof leak? It depends. What does it depend on? What caused it? A tree sticking…
Will Home Insurance in Lancaster SC Cover Tree Removal? When you live in the Carolinas, you never know what kind of weather we will have. From thunderstorms, snowstorms, ice storms or hurricanes, damage to a home may be inevitable, especially from trees. Will Home Insurance Cover Tree Removal? Trees provide nice shade and can…
Is there a student discount for car insurance in Lancaster SC? In most cases, yes! Young drivers car insurance in Lancaster SC, is never the least expensive insurance you will ever buy. When you do have a young driver, it’s always a good practice to look for student discounts you can apply to lover…
Is There a Time I Can Only Enroll In Insurance? When can you enroll in insurance? That depends on what type of insurance you are looking for. Medicare Initial Open Enrollment Period Generally, when you turn 65. This is called your Initial Enrollment Period. It lasts for 7 months, starting 3 months…
What is the Minimum Car Insurance SC Requires? Whether it’s car insurance in Lancaster SC or anywhere in the state, car insurance in South Carolina requires you to carry a minimum of $25,000 per person for bodily injury and $50,000 for all persons injured in one accident. Claims for bodily injury may include medical…
Estimated reading time: 4 minutes Why You Should Be Careful on How You Purchase Insurance in Lancaster SC Sometimes we long for the simpler days of old in Lancaster SC. One thing I’m glad has changed is how we purchase things. The internet, specifically, Amazon, has made purchasing some things, a whole lot easier. Just…
Estimated reading time: 1 minute Questions You Should Ask a Pharmacist Most people at some point will take medications. Below are some questions that may have crossed your mind at times. Does it really matter what time of day you take medications? What vaccinations are important for seniors? How does age increase the…
President Biden has signed into law a measure that bars forced arbitration for workers who are victims of workplace sexual assault or harassment. The Ending Forced Arbitration for Sexual Assault and Sexual Harassment Act bars employment contracts from requiring employees to settle their claims through private arbitration instead of in a court of law. Arbitrations…
The National Highway Traffic Safety Administration now classifies drowsy driving as “impaired” driving, putting it in the same category as driving under the influence of drugs or alcohol. The dangers of drowsy driving are real and the NHTSA estimates that it contributed to the deaths of 5,000 Americans last year. Drowsy-driving accidents cost an estimated…
With many companies having decided to allow staff to work remotely permanently or split time between working at home and in the office, employers have to be especially careful about timekeeping and complying with wage and hour laws. That includes requiring staff to show they take meal and rest breaks and are compensated for overtime…
Things to Keep in Mind When Buying a Car in Lancaster SC Buying a new car is an exciting time — but it can also be stressful. After all, you’re trying to get the best deal on price, while also deciding on the make, model and features you need. Here at HFC Insurance we…
Retirees are spending an average of $4,000 a year on out-of-pocket health care costs, according to the Employee Benefit Research Institute. In its annual report on senior spending, EBRI noted that average annual out-of-pocket health care costs have remained steady for the past five years and that non-recurring costs create the most expenses for people.…
Home Insurance and Power Outage Survival Guide Your home insurance policy is not the only important document you need to keep. There are many things in life we cannot control. The weather and outside forces, are just a few. That’s why we have put together this Home Insurance and Power Outage Survival Guide for…
People who are older than 60 are generally happier than younger adults and teens, new research has found. According to a survey on happiness and aging by banking giant HSBC, people are the happiest between the ages of 60 and 80. The study acknowledged that we are living longer than ever before thanks to health…
While your health insurance will cover most of your medical expenses, and costs associated with some medical issues, it won’t cover you for lost income and non-medical expenses you incur if you are unable to work due to your illness. For example, if you have a debilitating stroke or heart attack, your insurance will cover…
Credit scores are a fact of life. Lenders use the scores to uncover information to determine how likely a borrower is to pay back a loan in a timely fashion. Since credit scores are so important, they have taken on a kind of mystical aura that has led to many misconceptions. The average American thinks…
It’s not just banks that have to worry about getting stung by mortgage fraud schemes. Increasingly, a variety of mortgage fraud and related schemes is victimizing ordinary homeowners, homebuyers and renters. In some instances, the losses experienced by individual consumers and families can be personally devastating. Common Mortgage Fraud Schemes Consumers should be wary of…
Estimated reading time: 3 minutes Determining who is legally responsible in an auto accident requires identifying who the negligent party is. In most cases, common sense can be used to determine fault, but often drivers do not know exactly which laws were broken by the at-fault party. This makes it more difficult to prove a…
For high-net-worth individuals, the financial consequences of being sued can be serious business. They typically have more assets at risk should be they be hit with a large court settlement or judgment and, while compensatory damages may be standard across the board, some juries have seen fit to punish the rich especially hard for their…
The last thing you want to think about when you are getting married is insurance, but as the big day draws near, you will be soon combining your assets and your risk. Your insurance policies should reflect that. Often, once you are married, you may enjoy the benefit of lower insurance premiums thanks to combining…
As we enter 2022, there are a number of changes on the horizon that plan sponsors need to be aware of as they will affect group health plans as well as employees enrolled in those plans. Some of the changes concern temporary rules that were implemented during the COVID-19 pandemic. In addition, new rulemaking is…
At some point we all feel it … those regular body aches creeping in, getting tired easily and feeling low on energy. And you ask yourself: Why do I feel so old? People reach their physical peak when they are between 30 and 35 years old, and after that the average person experiences a bit…
If you live in a region that doesn’t get snow in the winter, you still need to take steps to prepare your home in advance as cold winds and rains can wreak havoc on your property. Before winter sets in, check your home to ensure it can withstand harsh weather. Follow a top-down approach when…
Considering the cost, frequency and loss of life related to residential fires, it’s important for homeowners to have loss-control measures in place. When properly selected, placed and maintained, a fire extinguisher can be a powerful tool to prevent severe fire loss. The best thing is that a fire extinguisher is a relatively cheap investment, as…
Confused about your Medicare supplement options? You aren’t alone. As you reach the age of 65, you have a lot of decisions to make. Most people understand that standard Medicare Part A coverage, or Part A and Part B, by themselves, offer a pretty skeletal medical benefit. Deductibles are significant, and without some additional protection…
Choosing a plan during open enrollment is stressful for many people, especially if their life circumstances have changed. Fortunately, there are steps you can take to minimize the stress and also help you choose a plan that is best for your personal situation. Here are some circumstances that illustrate the typical decision-making process to take…
It’s always a perfect time to re-evaluate your insurance coverage needs. Life changes happen and as time goes on we forget to make important changes to our policies. The best way to do that is to have an insurance checklist. This is especially true if you’ve had any significant life changes or made large purchases…
About Medicare Supplement Plans In this article, we will discuss the difference between a Medicare Supplement vs Medicare Advantage Plan. Do you enjoy healthcare freedom? If you do, a Medicare supplement plan helps provide that peace of mind. Medicare supplement plans are also called Medigap plans. Having a Medicare supplement plan (Medigap) allows you to…
Medicare Eligibility Who is eligible and when can you get Medicare? Medicare eligibility begins for most people at age 65. Individuals who have been entitled to Social Security disability for at least 24 months also qualify. There are other situations someone can qualify for Medicare under the age of 65: 1. If you are…
Who is eligible and when can you get Medicare? Medicare eligibility begins for most people at age 65. Individuals who have been entitled to Social Security disability for at least 24 months also qualify. There are other situations someone can qualify for Medicare under the age of 65: If you are permanently disabled and you…
Insurance is a product you purchase to help protect you against a loss. Health insurance is one of those products we all need. You never know when that catastrophic health event will happen but before that happens, make sure you select a health insurance plan that will help lower your financial risk. On March 23,…
The soaring cost of new prescription drugs is becoming a major driver in overall health insurance price increases. Some of those drugs are so expensive that they are out of reach for the average patient. When people can’t afford the drugs their doctor prescribes, it can result in either severe financial strain, even for those…
Americans have been busy renovating their homes in record numbers. Home renovation spending grew 15% in the last year to a median $15,000, according to a survey by home renovation website Houzz. It also found that higher-budget projects (accounting for the top 10% of project spending) saw an increase to $85,000 or more in 2020,…
As the labor market tightens and businesses struggle to attract new talent, many companies are starting to boost their employee benefit offerings, particularly voluntary benefits. But besides added benefit choices, what many employees want is relief from continually increasing health premiums as well as more options to choose from for their health insurance. Group health…
Regulations are slated to take effect over the next few years that will greatly increase the transparency requirements for group health plans. The regulations issued under the Trump administration will require health insurers in the individual and group health markets to disclose cost-sharing information upon request, make cost-sharing information available on their websites and disclose…
When you look at the dental options for your employer-sponsored health plan, or if you’re just looking at the options available on the market, you may encounter the acronyms DMO and PPO (also known as a PDN), as well as indemnity plan, in the marketing literature. These terms describe types of dental insurance plans. To…
Great perks and incentives packages can help attract top-notch talent, maintain employee morale and improve overall engagement and satisfaction with a company. The coronavirus pandemic has made perks and benefits even more important, particularly in light of so many workers feeling burned out, stressed from working at home or feeling isolated due to closures and…
As you age, your vision changes, but these changes don’t have to negatively affect your lifestyle. With some helpful advice, both young people, and seniors, can protect their eyesight. Get Regular Eye Exams Regular eye exams can detect more than just vision changes. An eye exam can also show other health problems. The eyes can…
Getting too much rest can kill you. That’s the conclusion of a study presented by the American Heart Association. Researchers surveyed more than 500 older Americans found that long periods of sitting were strongly linked to an excess build-up of pericardial fat around the heart. This fat build-up is stubbornly persistent, even if the individual…
Small business owners are great at providing jobs. Most are failing when it comes to preparing for a comfortable retirement for themselves and their spouses. What they need is a small business retirement plan. First, most of them are reinvesting almost everything into their businesses. According to a survey from the Bank of Montreal, 58%…
Retirement is a major life transition. If you’re reaching retirement age within the next few years, it’s time to start making some important financial decisions. Here are several of the most critical issues you should be addressing in the coming months: Reduce risk Now is the time to begin reducing your stock market exposure. While…
Restaurant and other commercially prepared foods are notoriously high in fat, salt and sugar. These foods are fine as an occasional indulgence or for a special occasion, but usually not healthy as a regular diet. According to research, eating home-cooked meals leads to better health than eating out frequently. While that’s not surprising, there are…
A new study has found that following a diet that consists of processed foods can quickly result in weight gain. The study by a team of researchers at the National Institute of Diabetes and Digestive and Kidney Diseases in Bethesda, MD, was the first of its kind conducted on humans – and with astonishing results.…
We love our dogs. In 2017, there were nearly 90 million dogs living in American households, meaning that nearly half of all households had one. Why do we let these furry four-legged friends into our lives? For most people, it’s companionship as well as an excellent burglar alarm. But there are other advantages to having…
While you should exercise to take care of your health, what you put into your body can have a great impact on how you feel and your overall general health. And as part of your efforts to stay healthy, you’re also trying to stave off diseases, like heart disease, cancer and other issues that unhealthy…
Reading books benefits both your physical and mental health, and those benefits can last a lifetime. And during a time of stress, reading can also benefit your emotional well-being, stave off depression and help you get a good night’s sleep. When you read, you stimulate your brain and make it active. Also, reading requires constant…
If you drink two or more soft drinks a day, you may want to cut back. A recent study by the World Health Organization found that people who drink two or more soft drinks a day, even if they are diet sodas with no calories, have a higher risk of mortality than individuals that have…
If you are not seeing your dentist every six months for checkups, you should start immediately as doing so can prevent more serious problems in the future. But if you are between visits or haven’t seen your dentist for a while, if any of the following signs arise, you should make an appointment as early…
The U.S. Department of Health and Human Services has issued new fitness guidelines that recommend adults get two and a half hours of moderate exercise every week, at a minimum. The slogan of the new guidelines is “move more, sit less,” in an attempt to address the two main reasons many of us don’t get…
Back pain is one of the top reasons that people begin to lose mobility in middle age. Besides staying limber and learning techniques to strengthen your core muscles, one of the best ways to be kind to your back is to sleep on a proper mattress. Considering that you will spend roughly a third of…
You felt it coming on during your last hour of work and by the time you were driving home, the headache was pounding like a steam train digging a valley through your skull. While your first instinct might be to reach for a bottle of aspirin or ibuprofen, there are other methods that you can…
More than nine out of ten current retirees rely at least in part on Social Security benefits to fund their retirement income. The maximum monthly Social Security benefit that an individual can receive per month in 2022 is $4,000 for someone who files at age 70. Clearly, Social Security is not sufficient income for most…
If you plan on taking a long trip, you should be aware of a vein disorder that is especially common among travelers over 50. Deep vein thrombosis occurs when a blot clot forms in a deep leg vein. DVT is potentially fatal because a clot could travel to the lungs and cause a pulmonary embolism.…
We all love our children. And if we’re blessed with a legacy to leave behind, we all want them to enjoy it. But some of our adult children are more mature with handling money than others. Many families have grown-up children who have issues that preclude leaving them any significant assets in a lump sum,…
Experts estimate that about $60 billion is lost annually due to Medicare fraud. Consumers do not have to be Medicare beneficiaries to be affected by the high cost of fraud. Costs are passed down to all Americans in the form of increased insurance premiums, higher medical care outlays and inflated price tags on medical equipment. Since…
Are you enrolled in Medicare Supplement (Medigap) Plan C, F or F+? If so, you may see premiums start going up. Medicare officials closed those popular plans to new enrollees as of Jan. 1 as part of the Affordable Care Act. The plans had higher premiums to begin with. But seniors flocked to them because…
After decades of tame inflation, it spiked sharply in April 2021, reaching 3.4% on an annualized basis. If sustained over a year, that would be more than twice the average inflation rate over the last decade and a half. If you’re close to retirement age, that rate of inflation is enough cut your spending power…
Being predisposed to developing dementia or Alzheimer’s disease is something many adults worry about. However, experts say that it could be possible to delay the progression of these diseases by taking steps to improve our health, particularly for individuals who have diabetes, are obese and/or smoke. Studies show that taking steps to address these factors…
One of the keys to managing risks when you first start a business is getting the right insurance to cover your operations, property and potential liabilities. Unfortunately, many business owners fail to review their policies each year as the company grows, expands operations or adds new equipment and property. If this is the case, the…
Now would be a good time to double down on your workplace safety efforts to see if there are any areas that you may be overlooking. While your safety regimen may be top notch, there is always room for improvement and you can consider these options as recommended by EHS Today: Use a 10-second rule…
Whether your business owns a single vehicle or an entire fleet, you will want to have a proper risk management program in place to reduce the chances of accidents and of being held liable for vehicle misuse by your employees. While most businesses buy commercial auto insurance and feel they have their bases covered, you…
The legal threat is constantly growing for businesses, by business partners & customers, but also from within -your employee handbook. Currently the bigger threat is being sued by your own staff for running afoul of a smorgasbord of statutes like labor, wage and hour, worker classification, discrimination and harassment laws. As an employer you need…
As more Americans work from home than ever before, many employers are wondering about their obligations under OSHA as well as how to reduce the chances that workers may be injured while telecommuting. Obviously, the chances of an injury when working from home are small. The most common issue that is likely to arise is…
The costs for businesses when their employees are involved in car accidents on and off the job are staggering, at $72.2 billion a year, according to a new study. The “Cost of Vehicle Crashes to Employers” study, released in March 2021 by the Network for Employers for Traffic Safety, looks at how much car crashes…
Besides improving our overall physical health, exercise can provide a boost to our mental health as well. Exercise has been proven to lift people’s spirits as it releases endorphins in our system that can brighten our outlook and reduce our stress. This is one of the positive benefits of exercise and it’s why so many…
Everyone has had those days: You’re feeling exhausted but have to work or have other obligations like shuttling the kids around to soccer practice or a day at the waterslide park. You desperately need a pick-me-up to get you through the day. If you’re like many people, you may reach for a Red Bull or…
People are often left reeling from the terrible costs of hurricanes. Homes, businesses and vehicles will have been damaged or destroyed and, after ensuring the safety of your family, the next step is often filing your insurance claim. But to get the best possible settlement for your claim, you’ll need to document your losses as…
To make ends meet, or to build up their nest eggs, many people have turned to moonlighting as Uber or Lyft drivers. However, if you are planning to make some spending money, you need to understand that doing so could invalidate your personal auto policy. Uber and Lyft are so-called “ride-sharing” mobile apps that connect…
Auto Insurance and Your Friend One Saturday afternoon your friend calls you up and asks: “Dude, can I borrow your car for a few hours today? Mine’s in the shop.” You don’t think much about it and hand over your keys. But what do you do if your friend has an accident? Will your…
Does Your Car Insurance Cover Collisions with a Deer? One of the most unpleasant accidents for a motorist is hitting a deer or other wild animal or livestock. The times of year that motorists in areas with deer, moose or elk are most likely to collide with one of the creatures are October and…
A new study by the AAA Foundation for Traffic Safety has found that too many drivers are unaware of the safety limitations of the advanced driver-assistance systems in their vehicles. As a result, they are taking for granted that these systems will always warn them or help them take corrective action before a collision occurs.…
It can easily happen … you misjudge the space when making a turn in close traffic or in a parking lot and you tap another car’s rear bumper. The other driver gets out his car and appears unhurt. He inspects the bumper and says “Let’s just forget about it.” You agree and go on your…
If you are one of the Americans who have purchased a motorcycle in the last 10 years, you’re clearly far from alone: Ownership has risen steadily in the past decade and over 13 million people across the U.S. are now riding motorbikes. And of that total, nearly 20% of all riders are women. Just as…
Expecting a baby is one of the most joyous experiences in life. As you prepare your nursery, don’t forget to talk to your insurance agent to make sure your coverage reflects the change in your growing family. Below are a few pointers. Health insurance Before your baby is even born, review your coverage and make sure…
As we ring in the New Year, one of your resolutions for the year should be to improve your home safety for you and your family. There are many things we can all do better in terms of ensuring that we are safe and that our home and valuables are protected. This year we offer…
Seven Ways to Reduce the Cost of Car Insurance for Your Teen Driver While teenagers react with glee when they get their driver’s license, for parents it is a time of angst and the specter of higher insurance premiums. Sticker shock is not uncommon when parents receive that first quote for coverage, but there’s a…
Vintage and classic car collecting has been growing in recent years as more people accumulate wealth and millennials get into the action. If you’re in the market for a collectible vehicle, you’ll want to make sure that you get the right kind of classic care insurance. Your standard auto policy may not provide the coverage…
You’ve no doubt been overwhelmed by the amount of fine print that your insurance policy has. The main reason for the fine print is to lay out in detail what the insurance company will cover in case of a claim and what it won’t. It’s important that you go through this with your insurance agent…
Employment practices and employee benefit-related lawsuits are on the rise – and employers have to be eternally vigilant when it comes to meeting their compliance obligations as plan sponsors. Take the case of Visteon, a global automotive industry supplier, which outsourced its payroll and enrollment/disenrollment functions to outside plan administrators. But because of internal mistakes…
Cyber threats have continued growing, in fact they been ramping up, and the trend according to experts is that the risks will continue to grow at an exponential rate. And small to mid-sized firms that think they will fly under the radar of cyber threats are sadly mistaken, as they are usually easier pickings for…
As the new year gets underway and while you’re making New Year’s resolutions, you should also resolve to review the state of your business’s insurance program. The best way to do that is to start by reviewing your enterprise’s activities in the past year and how they may affect your insurance policies in the new…
While most companies focus on driver training to help reduce the chances of accidents pushing up their commercial auto insurance rates, many executives have been frustrated to see their rates climb. The top two factors affecting your commercial auto insurance rates are your history of claims and the driving records of your individual drivers. To…
Why Every Business Needs Non-Owned Auto Coverage Even businesses that own fleets of autos sometimes use vehicles that do not belong to them. Often, a business asks an employee to run an errand or visit a customer or vendor using that employee’s car. The organization may become legally liable for anything an employee acting…
In the last month of the Trump administration, the Labor Department finalized a regulation to clarify for employers which workers are employees and which are independent contractors. Because independent contractors are typically ineligible for employee benefits, businesses have an incentive to classify workers that way. The new regulation’s purpose is to make answering the question…
Nearly 25% of all lost-time workers’ compensation claims are exaggerated, according to the National Insurance Crime Bureau. While only a small percentage of workers’ comp claims are fraudulent, quite a few include employees staying away from work even after they’ve been cleared to return by their doctor and when they feel able to work. The…
It’s always an unwelcome surprise when an employer finds out that a workplace incident aggravated a pre-existing injury that one of your workers sustained at a prior job. Fortunately, there are steps you can take if you don’t want to inherit a claim that someone incurred at another employer, or an injury that they may…
Older workers who are 55 or older are 50% more likely to be killed in vehicle accidents than drivers who are younger than them, a study by the Centers for Disease Control has found. The reason, according to the CDC, is declining cognition, which can lead to errors while driving and avoiding potential collisions, as…
The costs for businesses when their employees are involved in car accidents on and off the job are staggering, at $72.2 billion a year, according to a new study. The “Cost of Vehicle Crashes to Employers study, released in March 2021 by the Network for Employers for Traffic Safety, looks at how much car crashes…
While big-ticket and dramatic workers’ comp claims make headlines, the reality is that the more run-of-the-mill injuries are the ones that end up costing employers the most. That is especially true for slips, trips and falls and related injuries, which can often turn out to be the most expensive workers’ compensation claim an employer experiences.…
Some of the riskiest locations for roadway collisions are work zones, as they often result in changes in traffic patterns and right of way, along with workers present and large commercial vehicles on the scene. Work zones are designed to improve the safety of workers who are enhancing or repairing roads, freeways, bridges, sewage and…
The owners of a California flooring installation company allegedly underreported their payroll amounts to workers’ compensation insurers to the tune of $30 million, costing the insurance company almost $4 million in premiums. The men are each facing three felony charges. These are the potential consequences for those who deliberately falsify their payroll records and reports…
When was the last time you or the person responsible for safety walked around your facility, warehouse, office or workplace and did an inspection? Your Injury and Illness Prevention Program states that the owner, supervisor or person with authority and responsibility shall conduct periodic workplace safety inspections. To maintain a safe and healthful workplace, OSHA…
If a natural disaster were to strike, would your company be ready? Has your management team hardened the business to continue operating in case of a disaster? With natural catastrophes growing in number and severity, businesses more than ever need to have in place plans for a quick recovery for the sake of their investors,…
When you hire contractors, electricians or other home repair specialists, you may shop around on price and go with the least expensive one. But if a contractor comes in with a bid that is much lower than the competition, it could mean they are cutting corners – and one of the top ways for them…
As natural disasters continue to increase in number and severity, and insurers pay out record amounts of claims for damaged homes in many parts of the country, home insurance in Lancaster SC is on the rise. In recent years, that’s prompted some homeowners to hunt for the lowest possible premium they can find, but that…
As natural disasters continue growing in number and severity, everybody should be prepared for quick evacuation in case of emergency. Even if you don’t live in an area known for natural disasters, you should always be prepared in case you have to make a sudden evacuation. While there is only so much planning we can…
Summer is here with rising temperatures and for many homeowners that means it’s pool time. Perhaps you’ve decided to make the financial commitment to buy a pool. While a swimming pool can provide lots of fun for your family and guests, and can increase the value of your home. It can also bring on higher…
Seven Ways to Reduce Your Home Insurance in Lancaster SC Everybody wants to save money on their home insurance in Lancaster SC. If you own a home, you actually have a number of options for getting discounts on your homeowner’s coverage. There are some obvious ways, like installing fire-resistant siding and smoke detectors in the…
One of the silent problems that causes health problems for many people is the presence of mold or mildew in the home. Mold is really hard to get rid of once it takes hold, so it’s important that if you find it growing, you take steps immediately to remove it. Moisture in the basement, attic,…
Home Insurance in Lancaster SC & Dog Bites There are some 63 million dogs in the U.S. and while they make for great companions and help keep our homes safe from intruders, they can also be a significant liability. About 4.5 million people suffer dog bites every year, according to the Centers for Disease…
These days, many families are assisting their adult children financially far longer than parents of earlier generations. And that kind of support for college, and sometimes basic survival, can create insurance coverage gaps for the adult child that can be a major risk to their parents’ financial wellbeing. If you have an adult child who…
It’s the nightmare scenario for any new car buyer. You drive it off the lot and a few days later another driver runs a red light, smashing into your car and severely mangling most of the front end and irreparably damaging the frame. Totaling the vehicle. Luckily nobody was injured, but will insurance cover the…
What’s the future of car insurance with smart cars? With more cars connected to the web, helping us navigate, talking to other cars as we zoom down the road and sometimes even driving for us, it won’t be long until our autos can also make an insurance claim for us after an accident. Consider that…
There are huge advantages to combining your auto and home insurance with a single company. The biggest and most direct benefit is getting a multi-policy discount. However, it goes beyond that, and the advantages can work in your favor. Let’s look at the numerous variables on why this really works to your benefit. Multi-Policy…
All states set minimum coverage levels for drivers, but if you are involved in a serious accident, minimal coverage may not get you off the hook for the full extent of damages. Your state’s goal is to make the required insurance affordable, but in many cases the established minimum coverage is not adequate to cover…
Do You Need Comprehensive Car Insurance in Lancaster SC? In auto insurance there are two main areas that cover physical damage losses: collision damage losses and losses other than collision. These two categories are often referred to as collision coverage and comprehensive coverage. What is comprehensive coverage? Comprehensive car insurance is auto insurance…
Cyber attacks against businesses continues to grow. Insurers that provide cyber insurance liability and other cyber-related coverage have started intensifying their scrutiny of their clients’ databases and operational security. When a business suffers a cyber attack it could result in fraudulent wire transfers or having its systems rendered frozen. This can be unlocked only by…
In 1985, only 10% of Americans over the age of 65 were still in the workforce. Today, that percentage has doubled to 20%. By 2024, some 13 million Americans over the age of 65 will be in the workforce, according to projections from the Bureau of Labor Statistics. Many people approaching retirement age wonder what…
While Original Medicare, and especially Medicare Advantage, comes with a number of great and low-cost benefits, it does not cover all health care services that you may need after you turn 65. Keep in mind that the following list includes things that Original Medicare and the majority of Medicare Advantage plans do not cover. To…
Before 2020, Medicare Supplement (Medigap) Plan F was by far the most popular option for Medigap beneficiaries. That was because Plan F was the most generous of all the Medigap plans available on the market. It essentially covered all the gaps in Original Medicare, providing “first dollar” coverage for all services covered under Medicare. Medigap…
Many Americans are grossly underinsured against the risk of devastating long-term care costs. According to the 2020 annual “Cost of Care Survey” from Genworth, the average yearly cost for a semi-private room in a long-term care skilled nursing facility is $93,075 and rising, while the average assisted living facility costs $51,600 per year. Both are enough to…
As more carmakers introduce crash avoidance technologies in their vehicles, car buyers can be confused by the myriad of features and which ones actually work. A recent study by the Highway Loss Data Institute analyzed a number of technologies and ranked them based on how well they perform in reducing accidents, injuries and the cost…
You’ve had an accident and your vehicle is in bad shape. After you report your claim, the insurance company sends out an adjuster to determine if it is worth paying out for the required repairs or instead of paying you for the value of the vehicle at the time of the accident. If the cost…
At some point you’re going to be in the market for your next car, be it used or new. If you’ve narrowed your search down to the type of vehicle you’d like to own, you should check insurance rates before you buy. Often, we get calls from people who bought a new vehicle and gave…
There’s a ticking time bomb in your house right now, waiting to strike when you least expect it. In fact, there might even be more than one. And each can cause thousands and thousands of dollars in damage. Here at HFC Insurance, we are talking about faulty appliance hoses, of course. Consider your humble washing…
Maybe you’ve been here before. You’ve just come off the plane, picked up your baggage and gone to the rental car counter. You’re tired from the flight, about to begin an ambitious vacation or a challenging business project. And, this is the point at which you’re asked, “Do you want rental car insurance with that?”…
One of the most common types of business insurance is commercial property insurance coverage, which provides a wide range of coverage for buildings, inventory, equipment, tools and more. Losses from fire, break-in, vandalism, wind and other natural or manmade disasters are examples of what is typically covered. It does not cover your commercial auto. A…
How to Choose Car Insurance can be overwhelming. Because there are so many companies selling car insurance, sorting through all the choices to find the right policy for you and your family can be a challenging task. With each carrier claiming to offer the best value, it’s easy to feel confused. At first glance, all…
What Is Commercial Umbrella Insurance in Lancaster SC? Commercial umbrella insurance in Lancaster SC gives you extra coverage to help pay for costs that exceed certain liability policy limits. Without umbrella coverage, you’d have to pay out of pocket for liability claims that cost more than your coverage limits. This can include: Legal costs Medical…
The newly enacted Consolidated Appropriations Act, 2021(if you have time to read) contains a number of provisions that will affect group health plans. With most changes aimed at helping insured workers with flexible spending accounts, cost transparency and surprise billing are addressed. Furthermore, some of the provisions are permanent while others are temporary, slated to…
What is Auto Liability Insurance and What Does it Cover? If you are looking for car insurance in Lancaster SC, it is important to understand how parts of an insurance policy works. Auto liability insurance protects you and your assets from a costly claim and lawsuit. Let’s look at two areas: Bodily Injury The…
What Does Commercial Liability Cover in Lancaster SC? Protecting your businesses General liability, is a broad commercial insurance policy that covers general liability exposures of a business. General liability insurance (GL), is coverage that can protect you from a variety of claims including bodily injury, property damage, personal injury and others that can arise from…
What is Commercial Auto Insurance? Commercial auto insurance in Lancaster SC can cover a combination of vehicle types and drivers, as well as some types of motorized equipment. Commercial auto insurance covers vehicle damage and driver injuries. It provides for bodily injury liability and property damage while operating a company automobile, and medical payments…
Medicare Advantage plans were created under the Balanced Budget Act of 1997 and signed into law by President Bill Clinton. These plans are commonly called Part C of Medicare. There are some important things to know if you are thinking of purchasing a Medicare Advantage plan. We will explain those things below. Medicare Advantage plans…
Health insurance never covers everything. Neither does Medicare. You will need to meet deductibles, copays and coinsurance. So, what is a Medicare Supplement? A Medicare Supplement is a type of health insurance sold by private insurers to cover the gaps in Medicare. This is why we refer to the plans as “Medigap Plans”. Medigap picks…
Medicare in itself can be confusing, Our goal is to try and make this decision clearer for you. For instance, Medicare Supplement plans are lettered A – N and each plan covers a different set of the gaps in Medicare. As you will see, you can compare Medicare Supplement plans side-by-side using the Medicare Supplement…
Auto insurance in Lancaster SC continues to rise. Who doesn’t want to pay less for car insurance? Billions of dollars are spent on ad campaigns to convince you to “switch and save” — but the truth is, many people can find savings no matter who their insurance company is. It’s also Important to compare auto…
How Your Auto Insurance Can Cause You to Lose Your Home When owning a car, it is important to protect you, your property, your assets, and others by purchasing the right auto insurance. There are many things to consider when protecting lives and property. Risky auto insurance is one. If you are looking for car…
There is another unfortunate side of the economic downturn that impacts every driver on the road: The number of uninsured drivers is expected to rise. The definition of an uninsured driver is simple- some one that has no insurance on their vehicle. However, if you are in an accident with an uninsured driver and do…
You’ve heard all the talk about driverless cars. Unfortunately, we’re still years away from living in a world where you just tell your car where to go, kick back and relax with a book (or, more likely, your phone). Even though our driverless future has yet to arrive, technology actually plays a big role on…
Home improvement: It’s a never-ending process for many people, and for those of us who aren’t necessarily handy, it can be a hassle, too. However, there are plenty of simple maintenance tasks and other inexpensive home repairs you can do to make your home safer – whether you’re handy or not. And you won’t have…
Understanding Your Home Insurance in Lancaster SC As a homeowner, one of the most important aspects of your home isn’t something you use daily. And it isn’t something flashy you show off to friends. It’s understanding your home insurance policy. It protects you in more ways than you may think. It helps you rebuild…
When a big storm hits in the Carolinas, you hunker down inside, relying on your home to protect you and your family. Once that storm passes, though, it’s time to repay the favor — identifying property damage and protecting your home from further issues. The National Storm Damage Center has a number of resources and…
Owning a home is usually a great experience. But it can also be a hassle, especially when unexpected issues pop up—whether you have a minor breakdown or a major catastrophe, it’s almost certainly going to require time and money to fix. In many instances, however, those “unexpected” issues shouldn’t really be a surprise at all,…
When teens begin to drive, according to the National Highway Traffic Safety Administration (NHTSA) and the National Safety Council, the sobering statistics start to pile up: Car crashes are the leading cause of death for U.S. teens ages 14 through 18. A teen’s crash risk is three times that of more experienced drivers. Being in…
As days get shorter and nights get longer, our habits begin to change. Most of us typically spend more time hunkering down at home and less time frolicking at the beach. That usually means resuming favorite fall pastimes like huddling through college football games on Saturday. Arriving along with the Fall season is a host…
Imagine how devastating it would be to lose your home in a fire. Now imagine not being able to rebuild it completely because you didn’t have the correct amount of homeowners insurance coverage. Selecting the proper amount of coverage is the single most important decision you can make with your home insurance policy. Without it,…
Spring is right around the corner, and the warmer weather often prompts people in the Carolinas to hop in their cars for weekend (or longer) road trips. Unfortunately, too many of those trips will end up being memorable for the wrong reasons, due to crashes and other risks that drivers face anytime they hit the…
Medicare Costs for 2021 What does Medicare cost? Is Medicare free? Is Medicare Part B free? What are my Medicare premiums in 2021? Many don’t realize that Medicare isn’t free. The costs for Medicare Part B and Part D, as well as supplemental coverage, are something that many don’t anticipate in retirement. It can surprise…
Medicare Advantage plans were created under the Balanced Budget Act of 1997 and signed into law by President Bill Clinton. These plans are commonly called Part C of Medicare. There are some important things to know if you are thinking of purchasing a Medicare Advantage plan. We will explain those things below. Medicare Advantage plans…