by Mike Keretz | Oct 29, 2025 | Uncategorized
Ever seen a medical bill that just didn't make sense? A charge you weren't expecting? Sometimes, the reason is something called a Medicare Part B excess charge. Think of it this way: Medicare has a special, negotiated price for services. Most doctors agree to...
by Mike Keretz | Oct 28, 2025 | Uncategorized
For most people, the answer to the question "do I really need health insurance?" is a loud and clear yes. It’s easy to see it as just another monthly expense, but it’s much smarter to think of it as your financial shield—a barrier protecting your savings,...
by Mike Keretz | Oct 27, 2025 | Uncategorized
So, when’s the right time to get life insurance? The short answer is simple: as soon as someone else depends on your income. For most of us, that means buying it when we’re young and healthy. Think of it like booking a flight—the earlier you buy your ticket, the less...
by Mike Keretz | Oct 26, 2025 | Uncategorized
The easiest way to understand the difference between term vs. whole life insurance boils down to a simple analogy: term life is like renting a home, while whole life is like owning one. One gives you temporary, affordable protection for a specific time. The other...
by Mike Keretz | Oct 25, 2025 | Uncategorized
When you're shopping for health insurance, it's easy to get lost in the details—premiums, deductibles, networks. But what about what the plan actually covers? That’s where the 10 Essential Health Benefits (EHBs) come in. Think of them as the non-negotiable,...
by Mike Keretz | Oct 24, 2025 | Uncategorized
Is health insurance required? It's a question that feels like it should have a simple yes or no answer, but the reality is a little more complicated. While there's no longer a federal penalty for going uninsured, that's not the end of the story. A handful...
by Mike Keretz | Oct 23, 2025 | Uncategorized
Let's get one thing straight about healthcare costs in retirement: they’re big, they’re unpredictable, and they’ll likely be one of your largest expenses after you stop working. For someone who is 65 and retiring in 2025, that bill is projected to hit a staggering...
by Mike Keretz | Oct 22, 2025 | Uncategorized
Retiring at 60 is more than just a dream—it's a goal you can hit with a smart, focused strategy. It comes down to a few core disciplines: aggressive saving, savvy investing, and locking in a solid healthcare plan. The formula is pretty straightforward. You'll...
by Mike Keretz | Oct 21, 2025 | Uncategorized
"Between jobs insurance" isn't a formal product you can buy off a shelf. Think of it more as a personal strategy—a way to combine different insurance options to keep you financially afloat while you navigate a career change. It's about building a...
by Mike Keretz | Oct 20, 2025 | Uncategorized
It’s so easy to let your insurance policy renew year after year without a second thought. But that comfort can come at a cost, and sometimes, a steep one. Think of it less as a chore and more as a smart financial check-up. Life changes, and your insurance should keep...
