You are probably aware of how smoking can affect your health, but do you know how it changes your health insurance premiums?   Determining Factors  Health insurance premiums are determined based […]

Enrolling in Medicare is considered a major milestone in your life’s journey. If your insurance does not automatically enroll you into Medicare when you are able, you will have to […]

You can get your Medicare benefits through Original Medicare, or a Medicare Advantage Plan (like an HMO, PPO, PFFS).If you have Original Medicare, the government pays for Medicare benefits when you get them.Medicare Advantage Plans, […]

My Medicare Expertise I am now beginning my 12th year as a Medicare insurance agent.  As each year has gone by, the depth of my Medicare knowledge, as expected, has increased significantly.  In […]