Blog

What is a final expense plan?

Many times senior citizens receive an ad in their mail promising that the government will help pay for their funeral and all they have to do is call a certain number. Does the government really help pay for a funeral? Yes, but only about $250...

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What is an SEP?

So there is a phrase that is used with Medicare Advantage plans called SEP, which stands for Special Election Period. What does this mean? This is a period outside of the Annual Enrollment period from October to December that allows people on...

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What is caregiver insurance?

So people ask me all the time “Hey Norm, is there something that will help cover my family’s costs if they have to take care of me if I’m at the final stage of my life?” OK. People don’t really ask me that all of the time. But it certainly is a...

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What are ADL?

So you hear the term ADL…but what is this? In the medical field, ADL stands for Activities of Daily Living. Many insurance plans such as long term or short term will not begin unless you are not able to perform 2 of the ADL..which stands for...

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What is a deductible?

A deductible is what you are required to pay within your medical insurance plan before your plan starts paying. For example in 2022 the Medicare deductible is $233. So if you have a Medicare supplement you will be responsible for the first $233...

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