by Mike Keretz | Sep 9, 2025 | Uncategorized
Ever heard of a health plan that acts like a last-resort safety net? That’s catastrophic health insurance in a nutshell. It’s a unique type of plan built for a very specific purpose: to protect you financially from a true medical disaster. These plans come with very...
by Mike Keretz | Sep 8, 2025 | Uncategorized
When Medicare denies a claim, it feels personal. It’s frustrating, confusing, and can leave you wondering what to do next. But a denial isn't the end of the road. It's the beginning of a conversation, and you have every right to challenge a decision you...
by Mike Keretz | Sep 7, 2025 | Uncategorized
For anyone who values their time, the idea of getting a life insurance policy with no medical exams sounds like a breath of fresh air. It lets you lock in coverage by simply answering some health questions instead of scheduling a physical. This whole approach leans on...
by Mike Keretz | Sep 6, 2025 | Uncategorized
Think of a term life insurance quote as more than just a price. It's a personalized estimate of what you'll pay for a specific amount of coverage, over a specific number of years. This price is built around you—your age, your health, your lifestyle—and gives...
by Mike Keretz | Sep 5, 2025 | Uncategorized
Receiving an insurance claim denial can be a frustrating and stressful experience. You've paid your premiums faithfully, expecting a safety net when you need it most, only to be met with a rejection letter filled with complex jargon. This isn't just an...
by Mike Keretz | Sep 4, 2025 | Uncategorized
Losing your job is a gut punch, and the fear of losing your health coverage right after can feel overwhelming. But take a deep breath. You have options, and there are safety nets built into the system to protect you. The most important thing to know is that losing...
by Mike Keretz | Sep 3, 2025 | Uncategorized
Feeling the squeeze from your insurance bill every month? You’re not alone. But here’s the good news: you have more power to lower that bill than you might think. A few smart, strategic moves can make a real difference. Some of the most effective ways to start saving...
by Mike Keretz | Sep 2, 2025 | Uncategorized
Simply put, open enrollment is your annual benefits shopping window. It's that one specific, limited time each year when you get to make crucial decisions about your health insurance, dental, vision, and even your retirement accounts. Think of it like renewing...
by Mike Keretz | Sep 1, 2025 | Uncategorized
Trying to get life insurance when you have a pre-existing health condition can feel like hitting a brick wall. The endless questions, the medical exams, the constant fear of rejection—it's exhausting. But what if there was a way to get coverage without all that?...
by Mike Keretz | Aug 31, 2025 | Uncategorized
An accelerated death benefit (ADB) is a feature tucked inside some life insurance policies that lets you access a chunk of your payout while you're still alive. It's triggered when you're diagnosed with a qualifying serious illness. Think of it as an early...
