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Dental Insurance What are Dental PPO, POS, and DHMO? A Dental PPO (Preferred Provider Organization) provides dental care to its members through a network of dentists who offer discounted fees to its plan members. You can typically use dentists out of the PPO’s network, but you will only be reimbursed the discounted fee for the [...]

Health Insurance What is a PPO? A PPO is a Preferred Provider Organization. As a member of a PPO, you can use the doctors and hospitals within the PPO network or go outside of the network for care. You do not need a referral to see a specialist. What is an HMO? An HMO is [...]

Life Insurance Why do I need Life Insurance? * If you are a wage earner and someone depends on you, life insurance is a vehicle to protect the financial well being of that individual. * During your lifetime you have certain financial goals. Life insurance is a way to achieve those goals for those you [...]