by Mike Keretz | Feb 17, 2026 | Uncategorized
Here's what 0 coinsurance really means: once you've hit your annual deductible, your health insurance plan steps in and pays 100% of the bill for covered, in-network medical services. That’s it. You stop sharing the cost. Your insurer takes over completely for...
by Mike Keretz | Feb 16, 2026 | Uncategorized
When you need a quick answer, here it is: a basic urgent care visit without insurance typically costs between $100 and $250. Think of this as the starting price—the sticker on the car before you add any features. What you ultimately pay depends entirely on the medical...
by Mike Keretz | Feb 15, 2026 | Uncategorized
When you get that sudden, nagging illness or a minor injury, the last thing you want to worry about is a massive, unexpected medical bill. That’s where the urgent care copay comes in. Think of it as a predictable, flat fee you pay right at the front desk. It’s a...
by Mike Keretz | Feb 14, 2026 | Uncategorized
Term life insurance is one of the simplest yet most powerful ways to protect your family’s future. Think of it as a promise—a financial safety net that catches your loved ones if you're no longer there. It’s designed to cover you for a specific time, like 10, 20,...
by Mike Keretz | Feb 13, 2026 | Uncategorized
Medicare Plan N is one of the most practical and popular Medigap plans out there, and for good reason. It acts as a safety net for your Original Medicare, picking up many of the out-of-pocket costs that can otherwise blindside you. What makes it unique is its clever...
by Mike Keretz | Feb 12, 2026 | Uncategorized
The big question: HSA vs HRA. What’s the real difference? It all boils down to one simple thing: ownership. Think of it like this: a Health Savings Account (HSA) is your personal health savings account that you own and control. It’s your money. A Health Reimbursement...
