by Mike Keretz | Oct 16, 2025 | Uncategorized
At its core, an individual health plan is designed for one person. It’s the go-to choice for singles, freelancers, or anyone who doesn't have access to employer-sponsored coverage. A family health plan, on the other hand, bundles coverage for multiple people—like...
by Mike Keretz | Oct 15, 2025 | Uncategorized
When it comes to health insurance, the choice between a PPO and an HMO is one of the biggest decisions you'll make. It’s not just about acronyms; it’s a fundamental choice between flexibility and cost. At its core, the difference between a PPO and an HMO is...
by Mike Keretz | Oct 14, 2025 | Uncategorized
A waiver of premium is an add-on to your life insurance policy that pays your premiums if you become totally disabled and can’t work. Think of it as insurance for your insurance. It’s a safety net that keeps your coverage active during a major life crisis, without you...
by Mike Keretz | Oct 13, 2025 | Uncategorized
Term life insurance is the financial backstop every parent needs. Think of it as a safety net, designed to catch your family financially if you’re suddenly not there to provide for them. It’s a surprisingly affordable way to make sure the big things—like the mortgage,...
by Mike Keretz | Oct 12, 2025 | Uncategorized
Believe it or not, the process of filing an auto insurance claim doesn't start with a phone call to your agent. It begins the second you're in an accident, right there at the scene. What you do in those first few chaotic minutes—gathering evidence, exchanging...
by Mike Keretz | Oct 11, 2025 | Uncategorized
Yes, green card holders can absolutely get Medicare—but it’s not something that happens automatically the day you receive your permanent residency. Think of it as earning your way into the system, just like U.S. citizens do. The path to eligibility really comes down...
