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Since you have access to the marketplace, why would you ever want to deal with a health insurance agent? There are lots of options when it comes to healthcare coverage and trying to navigate all the jargon and coverage to find the perfect fit can take lots of time and effort. Partnering with a local […]

If you are in the market for health insurance, you may be wondering whether to get it through your work’s group plan or to get an individual plan. You might also be wondering if there’s a difference. There are, in fact, some major differences in group and individual health insurance. Expert Insurance Team’s main goal

You may have heard the news of Medicare Supplement plans C and F no longer being offered in 2020 and beyond. However, there is a misconception about this fact. The truth is, that change only applies to people who turn 65 in 2020. So, if you turn 65 January 1, 2020 or later, this change

If you have read up on the changes in Medicare for 2020, you have likely heard Medigap plans C and F are no longer offered to new Medicare beneficiaries. For most, this was an unwelcome bit of news because these plans offered the most comprehensive coverage. But Medicare no longer allows Medigap (Medicare Supplement) plans

If you’re just learning about Medicare Advantage plans, they are offered by private insurance companies contracted and approved by Medicare. These plans offer the same basic coverage as Original Medicare (parts A and B) but with some extra benefits. Sometimes, these plans come at no extra cost to you! How is that? Since the insurance

It is important to know that Original Medicare does not include Medicare Part D — Medicare’s prescription drug benefit. Part D is a standalone plan offered through private insurance companies approved and contracted with Medicare. Plans must follow certain rules such as minimum benefits, maximum deductibles, and etc. If you are turning 65 or otherwise

When you think of life insurance you don’t immediately think of estate planning. Likely, you only think of it as part of an income-replacement tool. But, indeed it can be a useful tool when it comes to estate planning. The death benefit is actually very flexible. So, for those of you who think you can

Final expense insurance is a type of life insurance policy in which the death benefit covers funeral and burial expenses. This is why the death benefit is usually $25,000 or less. Final expense policies are also easier for seniors with health issues to acquire.  Let’s go over some basic information on this sometimes misunderstood policy. 

Medicare Supplements, also known as Medigap, are insurance plans offered by private insurance companies to help you save money on your healthcare costs.  Medigap plans cover costs like deductibles, coinsurance, copayments, hospital costs beyond the coverage of Original Medicare, skilled nursing facility, and more.  But many Medicare beneficiaries wonder, “Do I really need this much coverage?”