Lucid Insurance Services

Health Insurance 101: Prescription drugs can completely change the math. Some plans have low deductibles but weak drug coverage tiers, while others build drug costs into separate deductibles or copay structures. If you take regular medications, always run a “total annual cost” estimate including premiums + meds + expected visits.

Summer Wellness Tip: Knowing The Signs of Heat Illness: Dizziness, excessive fatigue, nausea, headache, and confusion can all be warning signs. Move to a cool place and drink fluids if symptoms develop.

Long-term care insurance may help pay for services that traditional health insurance and Medicare generally do not cover, including assistance with activities such as bathing, dressing, eating, and mobility, whether care is received at home, in an assisted living facility, or in a nursing home.