by Mike Keretz | Dec 7, 2025 | Uncategorized
When you're sorting through the alphabet soup of health insurance—HMO, PPO, EPO—it's easy to get lost. Then comes POS. So, what exactly does that mean? In health insurance, POS stands for Point of Service. It’s a type of plan designed to give you a bit of the...
by Mike Keretz | Dec 6, 2025 | Uncategorized
When it comes to Medicare, the biggest fork in the road is often the choice between Advantage and Medigap. It really boils down to one question: do you prefer an all-in-one plan with lower monthly costs but potential out-of-pocket expenses, or would you rather pay a...
by Mike Keretz | Dec 5, 2025 | Uncategorized
When you hear "HSA" and "HRA," it’s easy to get them mixed up. They sound similar and both help with medical costs, but that's where the similarities end. The real difference comes down to one simple thing: who’s in charge of the money. An HSA...
by Mike Keretz | Dec 4, 2025 | Uncategorized
Getting a thick envelope from your health insurance company can be a little stressful. But learning how to read an Explanation of Benefits (EOB) is one of the best things you can do for your financial peace of mind. This document is basically a breakdown of a recent...
by Mike Keretz | Dec 3, 2025 | Uncategorized
Let's be honest—that stack of insurance paperwork on your desk can feel incredibly intimidating. It’s dense, packed with legal jargon, and easy to file away and forget about. But your policy isn’t just a document; it’s a financial safety net, and understanding...
by Mike Keretz | Dec 2, 2025 | Uncategorized
Critical illness insurance pays you a lump-sum, tax-free cash benefit if you’re diagnosed with a major illness covered by your plan. Think of it less as a replacement for your health insurance and more as a financial life raft—giving you money to use however you need...
