by Mike Keretz | Dec 16, 2025 | Uncategorized
Let's get right to it. For 2024, the two big numbers you need to know for Original Medicare are the Part A inpatient hospital deductible, which is $1,632 per benefit period, and the annual Part B medical deductible, set at $240. These are your starting points—the...
by Mike Keretz | Dec 15, 2025 | Uncategorized
So, you’ve hit 62 and you're ready to trade in your work deadlines for a well-deserved life of freedom. It’s an exciting milestone, but there’s one big hurdle to clear first: that three-year gap in health insurance before Medicare starts at 65. Figuring out how to...
by Mike Keretz | Dec 14, 2025 | Uncategorized
This whole "do I legally have to get health insurance?" question used to have a simple answer. Now? It's a bit more complicated. While there’s no longer a federal rule forcing you to have coverage, the real answer depends entirely on where you live. A...
by Mike Keretz | Dec 13, 2025 | Uncategorized
Ever tried to make sense of your health insurance paperwork? All that talk about premiums, deductibles, and HMOs can feel like learning a new language. You’re definitely not alone. Simply put, employer-sponsored health insurance is a health plan you get through your...
by Mike Keretz | Dec 12, 2025 | Uncategorized
Trying to make sense of your health insurance policy can feel like you're trying to learn a whole new language. Two words you’ll see everywhere are deductibles and copays, and they’re often the most confusing parts of the puzzle. Getting a handle on how these work...
by Mike Keretz | Dec 11, 2025 | Uncategorized
So, your term life insurance policy is about to end. What now? It can feel a little like a lease on an apartment running out. You've been paying for a specific period of time, and now that period is over. While it might seem like a dead end, it’s actually a...
