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While most businesses are grappling with a tidal wave of changes brought on by new competition, new products, and the rise of game changing technologies like artificial intelligence, small town community banking continues to thrive. Take HBT Financial, the holding company for Heartland Bank and Trust, which traces its origins…

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Many older adults are using medical marijuana to treat a variety of conditions, but experts say that conflicting laws, unclear safety standards and complicated rulemaking processes mean it could be years before Medicare may cover the drug.One in five Medicare recipients currently uses medical marijuana, according to an April 2022 poll by the Medicare Plans Patient Resource Center, an organization that provides Medicare guidance and information. And nearly a quarter have used it in the past. Two-thirds of Medicare recipients think Medicare should cover it, the poll found.But Medicare doesn’t cover medical marijuana because it’s not federally legal and not…

Best pet insurance for pre-existing conditions at a glanceAKC: Best for incurable pre-existing conditions.ASPCA: Best for broad coverage.Hartville: Best for straightforward waiting periods.Pumpkin: Best for quick claim reimbursement.Spot: Best for older pets.If your furry pal has a known health problem before you buy a pet insurance policy, your insurance company may not pay to treat it. That’s because most pet insurance plans won’t cover pre-existing conditions. But there are a few exceptions.To find the best pet insurance companies for pre-existing conditions, we started with highly rated insurers. We then looked for companies that cover existing health issues in certain situations.…

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