by Mike Keretz | Aug 9, 2026 | Uncategorized
Yes, Medicare covers medically necessary urgent care through Part B. In 2026, the Part B deductible is $283, then you typically pay 20% of the Medicare-approved amount under Original Medicare, or a flat copay if you're in Medicare Advantage. That answer matters...
by Mike Keretz | Aug 8, 2026 | Uncategorized
A life insurance medical exam usually takes about 20 to 30 minutes and collects your height, weight, blood pressure, pulse, blood, and urine. If you choose a no-exam option, insurers can still gather much of the same picture through prescription-drug databases, motor...
by Mike Keretz | Aug 7, 2026 | Uncategorized
You might be at the kitchen table with a laptop open, comparing policies while your income isn't as steady as it used to be. Maybe you're self-employed, maybe you're close to retirement, or maybe you just want lifelong coverage without locking yourself...
by Mike Keretz | Aug 6, 2026 | Uncategorized
You're in a familiar spot if you're self-employed, between jobs, or trying to bridge the gap before Medicare. You log in to the Marketplace, see a stack of plans, and then the key question hits, how much of this premium can you afford if your income swings...
by Mike Keretz | Aug 5, 2026 | Uncategorized
The first time a crew chief called me about a “small” HVAC mistake, it wasn't small at all. A technician had finished a rooftop changeout, the van got clipped on the way back, and the customer was already asking who was paying for the damage around the unit....
by Mike Keretz | Aug 4, 2026 | Uncategorized
You're probably staring at a renewal notice, a COI request from a GC, and a premium that feels out of line with the size of your crew. That's normal in roofing. Roof work sits in a hard market, and the gap between what you think you bought and what responds on...
