by Mike Keretz | Jul 1, 2026 | Uncategorized
Insurance often covers an MRI, but only when it's considered medically necessary and the approval steps are handled correctly. Up to 30% of initial denials for advanced imaging like MRIs are due to insufficient documentation of medical necessity, which is why the...
by Mike Keretz | Jun 30, 2026 | Uncategorized
You're probably doing what many do. You open a quote form, answer a few easy questions, hit a page that asks for details you don't have, then either guess, quit, or promise yourself you'll “come back later.” That's the wrong way to do it. How to do a...
by Mike Keretz | Jun 29, 2026 | Uncategorized
Yes, you can have private insurance and Medicare at the same time, and one of the most important rules is this: if you're 65 or older, currently working, and covered by an employer group health plan from an employer with at least 20 employees, the employer plan...
by Mike Keretz | Jun 28, 2026 | Uncategorized
You've probably had a version of this moment already. You leave a job, start freelancing or launch a business, and then it hits you that the family health plan didn't leave with your laptop and your last paycheck. The old employer plan ends. The new income is...
by Mike Keretz | Jun 27, 2026 | Uncategorized
Choosing health insurance can feel like trying to solve three problems at once. You want a plan you can afford, your doctors to stay in network, and coverage that won't fall apart the first time you need care. That stress gets worse if you're self-employed,...
by Mike Keretz | Jun 26, 2026 | Uncategorized
A formulary is your health plan's official list of covered prescription drugs, and it helps determine how much you'll pay. Most plans sort covered drugs into four tiers, where lower tier numbers usually mean lower out-of-pocket costs, and moving a drug to a...
by Mike Keretz | Jun 25, 2026 | Uncategorized
You may be reading this in the first quiet moment after a phone call, a hospital visit, or a long night that still doesn't feel real. Grief hits fast, but paperwork and decisions start almost immediately. That combination is what makes losing a parent so...
by Mike Keretz | Jun 24, 2026 | Uncategorized
You notice the little things first. A lamp cord stretched across the hallway. A favorite throw rug curled at the edge. A step into the garage that never seemed like a problem until your dad started holding the wall when he crossed it. Most families don't start by...
by Mike Keretz | Jun 23, 2026 | Uncategorized
You check your benefits portal, see money still sitting in your FSA, and your stomach drops. It's late in the year. Appointments are hard to book. You vaguely remember hearing that FSA money can disappear if you don't use it, but you're not sure what...
by Mike Keretz | Jun 22, 2026 | Uncategorized
Outpatient care is any medical service you receive without being formally admitted to a hospital, and that classification can directly change what your insurance covers and what you pay. If you're on Medicare, outpatient care under Part B can leave you owing 20%...
