Insurance Blog

Shawn Ray

Grantsville, Utah

July is a good time to check how your Medicare plan is actually working before the fall mail, commercials, and phone calls begin. Review your doctors, prescriptions, medical costs, extra benefits, and any health or life changes. My Mid-Year Medicare Review makes it easy to let me know what has changed and where you may need help. Complete it now so we have time to review everything before fall.

Shawn Ray

Grantsville, Utah

Turning 65 and unsure where to start with Medicare? This simple guide helps you follow the right Medicare path based on your work situation, employer coverage, VA or TRICARE benefits, prescription drug coverage, enrollment deadlines, and plan options. Learn what to check before choosing coverage so you can avoid surprises and feel more confident about your Medicare decision.

Peter Tamayo

HUNTINGTON BEACH, California

Not everyone needs to sign up for Medicare right as they are turning 65. This article spells out general guidelines.

Shawn Ray

Grantsville, Utah

Before you hit the road, board a cruise, or visit family this summer, check how your Medicare coverage works away from home. Learn what seniors should know about Medicare travel coverage, Medicare Advantage networks, prescriptions, cruises, and foreign travel before surprise bills become your worst souvenir.

Shawn Ray

Grantsville, Utah

Before we get started, it's important to remember that anyone can fall for a scam. I've talked with smart, careful people who never thought it could happen to them. Scammers are getting more sophisticated every year, and sometimes all it takes is catching someone at the wrong moment. That's why knowing the warning signs is so important.

Peter Tamayo

HUNTINGTON BEACH, California

The Medicare Rights Center recently published an article summarizing the 2026 Medicare Trustees Report. The Hospital Insurance (HI) Trust Fund, which primarily covers Medicare Part A (inpatient hospital stays, hospice, skilled nursing, and some home health), is projected to be partially depleted in 2033—similar to last year's outlook. At that point, incoming revenue would cover about 89% of scheduled Part A benefits.

SHARRI CRAWFORD

RIO RANCHO, New Mexico

Choosing health insurance for your family doesn't have to be complicated. Get practical tips to compare plans and confidently select coverage that fits your family's unique needs and budget.

TJ Merrill

Pocatello, Idaho

For Medicare-eligible seniors, Hospital Indemnity plans offer vital fixed cash benefits during hospital stays. Learn how they bridge Medicare gaps and protect your finances.

Amy Burkhart

Rochester, New York

Navigating Medicare can feel overwhelming, especially if you’re enrolling for the first time. Unfortunately, many people make avoidable mistakes that can lead to higher costs, coverage gaps, or long-term penalties.

Brandon Delenela

Tolleson, Arizona

Heart disease is the leading cause of death among Medicare beneficiaries, and managing cardiovascular risk is a top priority for millions of older Americans. In 2026, Medicare has taken a major step forward by expanding coverage of GLP-1 medications for seniors with established cardiovascular conditions. If you or a family member has been diagnosed with heart disease or has experienced a cardiac event, this guide is for you.

Jay Carlton

Magna, Utah

Over the years of doing Insurance and talking with people I have come up with what I like to call the FIVE cores of Insurance

Charise Karjala

Palm Desert, California

Turning 60-64 and not yet eligible for Medicare? Learn the critical health insurance mistakes to avoid now to secure your coverage and finances.

Brandon Delenela

Tolleson, Arizona

Most Americans receive Medicare Part A at no cost — but immigrants, stay-at-home spouses, and those who were self-employed without proper tax reporting can face premiums of $311 or $565 per month. Understanding the 40-quarter rule could save you thousands.

Shawn Ray

Grantsville, Utah

Turning 65 and getting flooded with Medicare mail? It’s easy to feel overwhelmed. This guide breaks down what actually matters—your doctors, prescriptions, real out-of-pocket costs, and timing—so you can make a confident decision without the confusion. No sales pitch, just simple, clear information to help you choose coverage that fits your life.

Shawn Ray

Grantsville, Utah

Most people don’t have bad insurance — they just don’t realize where the gaps are. From dental work to hospital copays and prescription surprises, here are the five biggest coverage gaps I see and where people get caught off guard.

Jeanelle Regal

Indianapolis, Indiana

Navigating family health insurance can be complex. Avoid common pitfalls that lead to inadequate coverage or unnecessary costs, ensuring your family gets the best protection.