by Mike Keretz | Nov 14, 2025 | Uncategorized
Think of your life insurance policy as the foundation of a house—strong, reliable, and built to protect what matters most. But what if you need a little something extra, like a security system for added safety or a home office for your growing business? That’s where...
by Mike Keretz | Nov 13, 2025 | Uncategorized
A copay is that small, fixed fee you pay right at the doctor's office or pharmacy counter. Think of it as a cover charge for your healthcare—a straightforward, predictable amount that keeps things simple. It’s a core part of how you and your insurer share medical...
by Mike Keretz | Nov 12, 2025 | Uncategorized
So, you’ve hit your health insurance deductible for the year. What happens next? This is where coinsurance comes into play. Think of it as a team effort between you and your insurance company. After you've paid your deductible, your insurer starts picking up most...
by Mike Keretz | Nov 11, 2025 | Uncategorized
You’ve probably heard the term "donut hole" when people talk about Medicare, and it usually comes with a story about surprise medical bills. For years, it was a source of real anxiety for anyone relying on a Part D prescription drug plan. But what was it,...
by Mike Keretz | Nov 10, 2025 | Uncategorized
Think of health insurance shopping like buying groceries. You can go to a big, government-run supermarket (like HealthCare.gov), where you might get special discounts and deals. Or, you can go directly to your favorite local farm or specialty store. That specialty...
by Mike Keretz | Nov 9, 2025 | Uncategorized
That denial letter in your hands isn’t a rejection—it’s an invitation to negotiate. It can feel like a final, frustrating verdict, but I’ve seen time and again that it’s often just the first step. Winning an appeal comes down to one thing: treating the denial as an...
