by Mike Keretz | Nov 24, 2025 | Uncategorized
When you hear the acronyms HDHP and CDHP thrown around, it's easy to think they're the same thing. Many employers even use the terms interchangeably, which only adds to the confusion. But there's a key difference, and understanding it is the first step to...
by Mike Keretz | Nov 23, 2025 | Uncategorized
A self-funded insurance plan is a bit of a game-changer. Instead of paying a fixed premium to an insurance carrier every month, your company takes on the direct financial risk for your employees' healthcare. You set aside your own funds to pay for medical claims...
by Mike Keretz | Nov 22, 2025 | Uncategorized
When you start looking into term life insurance, one of the first questions is always, "How much is this going to cost?" The short answer: for a healthy 40-year-old, a 20-year, $500,000 policy often lands somewhere around $25-$35 per month. But that's...
by Mike Keretz | Nov 22, 2025 | Uncategorized
When you start comparing term life insurance costs, you quickly realize one simple truth: your premium is a direct reflection of the risk you represent to the insurer. This means two people of the exact same age can get wildly different quotes. Why? Because things...
by Mike Keretz | Nov 22, 2025 | Uncategorized
When people start looking into term life insurance, one of the first questions is always about cost. The good news? It’s often more affordable than you think. A healthy 30-year-old can often lock in a $500,000 policy for 20 years for just $25-$35 a month. But...
by Mike Keretz | Nov 22, 2025 | Uncategorized
When you start comparing term life insurance costs, you'll see numbers all over the place. A healthy, non-smoking 30-year-old can often lock in a 20-year, $500,000 policy for somewhere between $25 and $40 a month. But that’s just a ballpark figure. Your final...
by Mike Keretz | Nov 22, 2025 | Uncategorized
When you start looking into a term life insurance cost comparison, you might be pleasantly surprised. It's not uncommon for a healthy 30-year-old to find a $500,000 policy for as little as $25-$35 a month. But that's just a starting point—the actual price tag...
by Mike Keretz | Nov 21, 2025 | Uncategorized
You’ve probably heard a number for the "average cost" of life insurance thrown around. Maybe you saw $26 per month and wondered what that even means. The truth is, that number is just a starting point, not the whole story. For a perfectly healthy...
by Mike Keretz | Nov 20, 2025 | Uncategorized
Navigating Medicare can sometimes feel like learning a new language. One of the terms that trips people up the most is "Part B excess charges." It sounds complicated, but it's a simple concept once you break it down. These are extra fees—up to 15% above...
by Mike Keretz | Nov 19, 2025 | Uncategorized
Facing a doctor's visit without insurance can be intimidating, but you absolutely have options. You can definitely get medical care—the trick is knowing where to go and how to approach it. Costs can swing wildly, from under $100 at a community clinic to over $300...
