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We want you to be informed about your insurance benefits

1.65 Million is my number what is yours?

I have $1,650,000 in term life insurance.  That is a big number to a lot of people.  Here’s the thing, it does not go as far as you think it might. If something happens to me I’ve told my wife this is how I want it distributed. First, use $150,000 or so to pay off the...

Traditional Medicare or Medicare Advantage Plan?

Which way do I go?  Do I choose a Medicare Advantage plan that has a built in pharmacy benefit?  Or do I go with Traditional Medicare and get a separate part D plan and a separate supplement…and then which supplement?  Which one is less expensive?  These are all...

Which Doctors Can I Go To When I am On Medicare?

In the world of Medicare you have several choices, but the first is to decide whether to go with “Traditional” Medicare or with a Medicare “Advantage” plan.  What doctors you can go to will be highly impacted by this decision.  With Traditional Medicare (also called...

When Your 80/20 Becomes 65/35

Part B of Medicare works like an 80/20 plan.  Hypothetically, if an office visit were to cost $100; Medicare would pay $80 and you would pay $20.  That's not a bad deal at all.  Did you know that there are times when that is not the case?  Some doctors will work with...

What if Medicare Did Not Exist?

Think about this...what if Medicare didn't exist? The least expensive policy (outside of Medicare) I can get a 65 year old is a High Deductible plan for over $500 a month in premium. However, Medicare does exist and the most expensive Mac Daddy Cadillac plan available...