by Mike Keretz | Nov 3, 2025 | Uncategorized
When it comes to Medicare, you’ll hear a lot of new terms. But few are as important as "creditable coverage." Getting this one right can save you from a lifetime of penalties. So, what is it? Think of it as a "hall pass" from Medicare. In simple...
by Mike Keretz | Nov 2, 2025 | Uncategorized
Losing your job is stressful enough without having to worry about your health coverage. But here's the most important thing you need to know: you get a 60-day window to find a new plan. This is called a Special Enrollment Period (SEP), and it's your golden...
by Mike Keretz | Nov 1, 2025 | Uncategorized
Before you book that appointment or give the green light for a repair, there's one small but crucial step you can't afford to skip: verifying your insurance coverage. Overlooking this can turn a simple doctor's visit or a minor car repair into a massive...
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...
