by Mike Keretz | Oct 31, 2025 | Uncategorized
Life happens. We’ve all been there—a bill gets misplaced, a due date slips our minds, or money is just a little tight one month. When it comes to your insurance, a small mistake like a late payment could leave you dangerously unprotected. That's where the grace...
by Mike Keretz | Oct 30, 2025 | Uncategorized
Trying to make sense of your health insurance policy can feel like you’re decoding a secret language. But when it comes to managing your out-of-pocket costs, two terms are absolutely essential to understand: copay and deductible. At first glance, they might seem...
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...
