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Hospital Indemnity Plans: The Quiet Safety Net Filling America’s Growing Coverage Gaps

As healthcare costs continue to rise and insurance plans shift more financial responsibility onto patients, a once-overlooked product is stepping back into the spotlight: hospital indemnity insurance. Long regarded as a supplemental add-on rather than a core piece...

Independent Insurance Agents spend countless hours preparing for the Annual Election Period to help their clients. They attend carrier rollouts and learn about the new plans changes for the year ahead. Agents are not allowed to charge for their services; they work for free and then earn a commission when...

Honored to Be Named Best Insurance Broker in Papillion by BusinessRate!

I’m truly grateful to share that I’ve been recognized as the Best Insurance Broker in Papillion by BusinessRate — an award determined by recent, verified...

Reasons to Work with a Local, Independent Licensed Agent for Medicare

It’s that time of year again—the Medicare Annual Election Period. Between the commercials, mailings, and endless chatter on social media, it can all feel overwhelming. The good news? You don’t have to figure it out alone.

Here are some...

Did you know that you can shop for a Medicare Supplement/Medigap policy any time of the year and possibly get a better price?

You might be thinking, “But my policy with XYZ company has paid for everything and I’ve never had a problem.” Yes, and that’s exactly how ALL Medigap...

The One Big Beautiful Bill Act

OBBBA has passed. What’s in it?

It’s difficult to find non-partisan interpretations of what’s in this bill. It’s difficult to see the misinformation that has been floating around that Medicare and Social Security are ending. Medicare and Social Security are NOT ending. However, Medicaid...

This Article is the 5^th and Final in a Series on “Medicare Does Not Cover Long-Term Care after 100 Days”

The last article focused on ways to qualify for Medicaid to pay for Long Term Care (LTC).

At the opposite end of the spectrum are those who can afford to...

This Article is 4^th in a Series on “Medicare does not cover Long-Term Care after 100 Days”

Medicaid is the nation’s largest public payer of long-term care.

Eligibility for Medicaid Long-Term Care

Medicaid requirements are established by each state. Most recipients of Medicaid long-term care assistance come from the low-income...

Medicare Does Not Cover Long Term Care After 100 Days Part 3

Understanding the Truth About Medicare and Long-Term Care

Many people mistakenly believe that Medicare covers long-term care — but that’s not the case. Medicare is designed to cover medical expenses for acute conditions, such as a stroke or...

“Medicare does not cover long-term care after 100 days

This article is 2^nd in a Series on Long Term Care

Have you ever asked yourself: “What are the chances that I’ll need long-term care?” As people age, their risk of needing long-term care services rises. According to the U.S. Department...