by Mike Keretz | Dec 6, 2025 | Uncategorized
When it comes to Medicare, the biggest fork in the road is often the choice between Advantage and Medigap. It really boils down to one question: do you prefer an all-in-one plan with lower monthly costs but potential out-of-pocket expenses, or would you rather pay a...
by Mike Keretz | Dec 5, 2025 | Uncategorized
When you hear "HSA" and "HRA," it’s easy to get them mixed up. They sound similar and both help with medical costs, but that's where the similarities end. The real difference comes down to one simple thing: who’s in charge of the money. An HSA...
by Mike Keretz | Dec 4, 2025 | Uncategorized
Getting a thick envelope from your health insurance company can be a little stressful. But learning how to read an Explanation of Benefits (EOB) is one of the best things you can do for your financial peace of mind. This document is basically a breakdown of a recent...
by Mike Keretz | Dec 3, 2025 | Uncategorized
Let's be honest—that stack of insurance paperwork on your desk can feel incredibly intimidating. It’s dense, packed with legal jargon, and easy to file away and forget about. But your policy isn’t just a document; it’s a financial safety net, and understanding...
by Mike Keretz | Dec 2, 2025 | Uncategorized
Critical illness insurance pays you a lump-sum, tax-free cash benefit if you’re diagnosed with a major illness covered by your plan. Think of it less as a replacement for your health insurance and more as a financial life raft—giving you money to use however you need...
by Mike Keretz | Dec 1, 2025 | Uncategorized
Securing your family’s financial future starts with one simple, clear action: getting a few life insurance quotes. It's the moment you stop wondering and start seeing real numbers. This first step gives you a personalized snapshot of your options, showing...
by Mike Keretz | Nov 30, 2025 | Uncategorized
In most cases, you don’t have to do a thing. Your doctor or hospital sends claims directly to Medicare for you, and that’s that. Simple. But every now and then, you might find yourself in a situation where you need to know how to submit a claim to Medicare on your...
by Mike Keretz | Nov 29, 2025 | Uncategorized
If you've ever looked at a medical bill and wondered about all the leftover costs—the deductibles, the coinsurance, the copays—you're not alone. That's where a Medicare Supplement Plan, or Medigap, comes in. Think of it as a safety net for your Original...
by Mike Keretz | Nov 28, 2025 | Uncategorized
Let's cut through the jargon. You can think of a Pharmacy Benefit Manager (PBM) as a powerful, behind-the-scenes middleman for your prescription drug plan. They're the ones hired by your insurance company or employer to manage everything related to your...
by Mike Keretz | Nov 27, 2025 | Uncategorized
Your health insurance premium is the non-negotiable, fixed amount you pay every month to keep your health plan active. Think of it like your Netflix or gym subscription—you pay it whether you use the service or not. This payment is your key to unlocking healthcare...
