Medicare & Insurance Blog
Written by Steve Germain — licensed Medicare broker, author of Medicare Decoded, and someone who has answered these same questions for real South Florida clients since 2009.
Beat the Heat: Smart Ways to Stay Cool All Summer Long
When summer temperatures soar, staying cool isn’t just about comfort; it’s about staying safe. Heat exhaustion and heat stroke are real concerns during the hottest months of the year, especially for children, older...
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Breaking Down Home, Auto, and Life Coverage
Home, auto, and life insurance —these are the three essential coverages that form the foundation of financial security for young families. Think of them as the three legs of a sturdy stool, supporting everything else...
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Concierge Medical Care: A New Way To Better Health
What Is Concierge Medical Care? Imagine having your doctor just a phone call away, same-day appointments without long wait times, and extended, personalized visits. This is the reality of concierge medical care, a...
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Coverage for College Students: Are They Still Protected Under Your Plan?
As a parent, sending your child off to college means you're already thinking about tuition, dorms, textbooks, and meal plans. But what about their health insurance coverage? Whether they're headed across the state or...
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Discover the Advantages of Independent Insurance Agents
What Is an Independent Insurance Agent? Let’s be honest shopping for insurance isn’t always easy. But working with an independent insurance agent can simplify the entire process. Unlike captive agents who represent a...
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Do Healthy People Really Need Health Insurance?
When you're young, active, and in great shape, paying for health insurance might feel like throwing money away. After all, if you rarely go to the doctor, why spend thousands of dollars a year for coverage you may never...
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Does Your Health Insurance Cover Mental Health Services?
Mental health is no longer a fringe topic in health care; it’s front and center. With rising awareness and demand for services, more people are asking: Does my health insurance cover mental health care? The answer is...
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Does Your Health Insurance Cover Nutrition Counseling?
Good nutrition is foundational to overall health. Yet, for years, visits with registered dietitians were treated as out-of-pocket luxuries. That’s starting to change. As chronic diseases like diabetes, obesity, and...
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ER, Urgent Care, or Virtual Visit? Where to Go and What It’ll Cost You
When unexpected health issues arise, it can be easy to panic and head straight for the emergency room. But depending on the situation, there may be faster and far more affordable options. Choosing between the ER, urgent...
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Flexible Spending Accounts: A Smart Tool to Save on Health and Dependent Care Costs
When it comes to managing your out-of-pocket health care and dependent care expenses, you may be overlooking one of the most effective tools available: the Flexible Spending Account (FSA) . This employer-sponsored...
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Funding a Business Buyout with Life Insurance: What Every Partner Should Know
In business partnerships, one of the biggest “what if” questions is: What happens if my business partner dies unexpectedly? Without a clear plan, and the funds to execute it, the surviving partner(s) could be left...
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Health Insurance for Self-Employed Professionals: What Are Your Options?
If you're self-employed, you already wear a lot of hats: CEO, accountant, marketer, and everything in between. One of the biggest responsibilities that falls squarely on your shoulders is securing health insurance for...
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