by Mike Keretz | Aug 22, 2025 | Uncategorized
When you’re an independent contractor, you’re the CEO, the creative director, and, most importantly, the entire safety department. Traditional jobs wrap you in a cocoon of employer-sponsored health plans and liability coverage. But when you strike out on your own,...
by Mike Keretz | Aug 21, 2025 | Uncategorized
Thinking about switching from a Medicare Advantage plan to Medigap? You absolutely can, but it’s not as simple as flipping a switch. It requires careful timing and a solid grasp of the rules. Most people make this move for one big reason: they want more freedom to...
by Mike Keretz | Aug 20, 2025 | Uncategorized
When you're a contractor, your business is your life. Your skills are the framework, your tools are the fixtures, and your team brings it all together. But what’s holding it all up? The foundation. Business insurance is that solid, concrete foundation. It’s a set...
by Mike Keretz | Aug 19, 2025 | Uncategorized
Thinking about switching insurance companies can feel like a hassle, but it's simpler than you might think. It really comes down to a few key moves: take a hard look at your current policy, shop around for quotes that offer better value, and get your new coverage...
by Mike Keretz | Aug 18, 2025 | Uncategorized
Losing your job is stressful enough—the last thing you need to worry about is losing your health coverage, too. Fortunately, you don't have to go without. Your main lifelines for getting health insurance without a job are continuing your old plan through COBRA,...
by Mike Keretz | Aug 17, 2025 | Uncategorized
Shopping for life insurance isn't just about ticking a box; it's a serious financial decision. The goal is to find the best possible value to protect your family's future, and that rarely means taking the first offer you see. The quotes you get for the...
by Mike Keretz | Aug 16, 2025 | Uncategorized
Let's be honest: talking about the long term care insurance cost isn't exactly fun. But it’s a conversation that matters. For a healthy couple in their mid-50s, a policy might run around $2,000-$2,500 per year. Wait until your 60s, though, and that number can...
by Mike Keretz | Aug 15, 2025 | Uncategorized
Ever wonder how an insurance company decides whether to cover you—and exactly how much you’ll pay for it? That whole behind-the-scenes decision process is called underwriting. It's the critical step where the insurer sizes up the risk before shaking hands on a...
by Mike Keretz | Aug 14, 2025 | Uncategorized
At its most basic level, a health insurance claim is the bill your doctor's office sends to your insurance company after you've received care. It’s the official request for payment that turns your health insurance policy from a piece of paper into real...
by Mike Keretz | Aug 13, 2025 | Uncategorized
Losing your job-based health insurance is stressful, no two ways about it. Suddenly, you're facing a gap, and the clock is ticking. Your first move isn't to panic—it's to get organized. You need to figure out your primary options: Do you continue your old...
