Archive for November 2025
Having Important Conversations: Talking to Parents about Senior Care this Thanksgiving
Happy Thanksgiving from all of us at Umbra Health Advocacy! As we gather with loved ones to share gratitude and good food, we also have a unique opportunity. When family comes together, it’s the perfect time to start important conversations about planning for your parents’ senior care as they age. These talks might feel uncomfortable…
Read MoreHow Lifestyle Benefits Help HR Manage Rising Health Care Costs in 2026
Budgets are tight as we head into 2026, especially when it comes to healthcare. Salary increases are projected to stay flat while employers brace for potential jumps in health insurance premiums and growing demand for caregiving and mental health support. HR and benefits teams are under pressure to meet rising needs without expanding their health…
Read MoreThe $100,000 Question: How Will You Pay for Long-Term Care Costs?
Many families face a hard reality when a loved one needs long-term care. Most people haven’t saved for it. They are shocked to learn how much assisted living or a nursing home costs. Even more surprising? Medicare doesn’t pay for long-term care. To help our clients understand their options, we talked with Ericka Marini, CFP®,…
Read MoreMedicare Advantage vs Original Medicare 2027: Which Should You Choose?
Are you confused about Medicare? Don’t understand the difference between Medicare Advantage plans and Medicare Part A and Part B? You are not alone. Many of our clients and their caregivers come to us for help. Should you choose Original Medicare (Parts A and B)? Or should you choose a Medicare Advantage plan (Part C)?…
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