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Learn all there is to know about insurance.

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Medicare Benefits – When Do They Change? 

It is still early in the year, but that doesn’t mean you should wait to review your Medicare coverages. If you are looking into enrolling, Medicare has an enrollment period that is open from October 15th to December 7th. Medicare is health coverage for those age 65 and above, certain younger individuals who have disabilities, or those with End-Stage Renal Disease (ESRD). If you […]

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How to Utilize Life Insurance for Your Retirement 

When it comes to planning your retirement, a lot of agents will highly recommend that you invest in a permanent life insurance policy. In truth, this may not be the best move for you. The permanent life insurance policy is intended for individuals who have obtained a net worth of at least $11.7 million threshold as of 2021, in which federal estate taxes will kick […]

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Seasonal Sun Safety 

As the days grow longer and warmer, you may find yourself soaking in the sunshine for a few more hours each day. This has many health benefits from improving your mood to increasing your vitamin D absorption, but there is a key caveat – you must protect your skin against sun damage. Here are four […]

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What is the Out-of-Pocket Maximum with Medicare? 

If you are in the process of considering your Medicare options, out-of-pocket costs may have become a potential factor in your final decision. Medicare Part A and Part B do not have an out-of-pocket maximum. However, this does not apply to the Medicare Advantage plans which do have an out-of-pocket maximum. We’ve compiled a list of what you need to know when […]

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How Does Medicare Work With Other Insurance?

If you have both Medicare and another insurance policy, you may have to follow certain rules when it comes to which insurance is primary and which is secondary. Medicare will leave it up to you to know these “coordination of benefits” rules and which cases they apply to. When Medicare is the primary payer, this […]

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3 Outdoor Activities to Boost Your Wellness

One of the top proven ways to prevent chronic disease, premature death, and improve health and immune function is by daily physical activity. There have been countless studies that show those who do some sort of regular exercise feel better, live longer, and have a much better quality of life. In addition to the benefits […]

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3 Reasons Not to Skip Your Annual Doctoral Appointments This Year 

A wellness visit, also known as an annual primary care visit, usually takes around 30 minutes and the cost is often covered through insurance.  These visits are important for everyone to attend because as you age, your wellness can change in an instant. That why so many tests are required as one ages because of the potential illnesses and disease that begin to […]

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The Importance of Medicare 

Medicare is the federal government that provides coverage to those who are 65+, under 65 and receiving Social Security Disability Insurance (SSDI) for a certain period of time, or under 65 and with End-Stage Renal Disease (ESRD). The Medicare program is funded in part by the Social Security and Medicare taxes paid on income, in […]

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How to Enroll in Medicare 

Medicare is one of the biggest milestones you will reach in the later stages of life. Before going down your Medicare path, there are few things you need to know. Did you know that some people are automatically approved and placed on Medicare? This isn’t always the case, as a lot of people have to sign up before getting into the program. You […]

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Marketplace and Non-Marketplace Plans – Which Is Right for You? 

The federal government set up an online insurance marketplace called This website was launched in 2013 as part of the Affordable Care Act (ACA). Unless the state creates its own marketplace, citizens will default to using the federal exchange. These marketplaces are the most used by consumers searching for health insurance, but this is […]