Life Insurance

Can I opt out of Medicare without fear of penalty?

Medicare penalties at 65? Not if you know the rules. Find out when it’s safe to wait and when enrolling right away saves money.

Feeling overwhelmed by all the Medicare info as 65 gets closer? We can help by showing you when to apply, what to expect cost-wise, and how to choose the right plan without the stress.

August 18, 2025/by Jodi Perez

Can I Keep My Low-Cost Pennie Plan When I Turn 65 And Go On Medicare?

Turning 65 on a Pennie health plan... so is Sue. Read our answer on how Medicare eligibility could impact her subsidies and coverage options.

Feeling overwhelmed by all the Medicare info as 65 gets closer? We can help by showing you when to apply, what to expect cost-wise, and how to choose the right plan without the stress.

Ask ChatGPT

August 11, 2025/by Jodi Perez

When Should I Apply for Medicare—and What Will It Cost?

Feeling overwhelmed by all the Medicare info as 65 gets closer? We can help by showing you when to apply, what to expect cost-wise, and how to choose the right plan without the stress.

Feeling overwhelmed by all the Medicare info as 65 gets closer? We can help by showing you when to apply, what to expect cost-wise, and how to choose the right plan without the stress.

Ask ChatGPT

August 4, 2025/by Jodi Perez

Am I locked into the Advantage Plan company I enrolled with?

Made a mistake an enrollment? You may still have time to make a change — but the rules depend on specific enrollment periods and circumstances. Learn what options may still be available to you.

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July 28, 2025/by Jodi Perez

Do you offer or assist in obtaining individual dental insurance? Should I buy my own coverage?

Thinking about individual dental insurance? Many find they pay more in premiums than they receive in benefits. Here’s why some choose to self-insure instead.

July 21, 2025/by Jodi Perez

What services do you and your agents provide after a client enrolls in a Medicare Supplement or Advantage Plan?

After enrollment, our agents continue to advocate for clients by lowering premiums, correcting billing errors, securing financial aid for prescriptions, and ensuring access to all eligible benefits. What sets us apart? Unmatched service, proactive savings, and a commitment to community.

July 14, 2025/by Jodi Perez

Would a new Supplement company be reliable and would we have to switch doctors?

Thinking about switching Medicare Supplement plans after a rate hike but worried about losing access to hospitals like St. Clair or Jefferson? If you're in Fayette or Allegheny County, here's what you need to know before making a move.

July 7, 2025/by Jodi Perez

How do I know if I’m with the best company and plan?

Question from Connie: Thank you so much for answering my question in your last column. I’m relieved you think Advantage Plans can be the right choice for those of us on Medicare. I have a follow-up question. How do I know if I’m with the best company and plan?

June 30, 2025/by Jodi Perez

Should I switch my Advantage Plan to a Supplement Plan?

I’ve had an Advantage Plan for a couple of years now, but I only recently began to read your columns. I get the feeling you don’t like Advantage Plans and now I’m questioning my choice. Should I change to a Supplement? What’s your opinion?

June 23, 2025/by Jodi Perez

My Medicare Supplement rate just jumped — why, and what can I do?

Seeing a big Medicare Supplement rate hike? You're not alone. Premiums with AARP, Aetna, and Allstate are jumping up to 20%. Learn why rates are rising in 2025 and what your options are — including switching plans or saving before AEP.

June 14, 2025/by Jodi Perez

Should I Switch My Medicare Supplement Before Rates Go Up?

Facing a big Medicare Supplement rate hike? All plans with the same letter offer identical benefits—so why pay more? You could save hundreds a year by switching while you’re still healthy enough to qualify.

June 2, 2025/by Jodi Perez

Why Are Medicare Enrollment Periods and Penalties So Strict—and Is That Fair?”

Welcome to Chapter 8 of the series, “New to Medicare,” designed to help those who will be going on Medicare for the first time soon

May 26, 2025/by Jodi Perez

We can help with Life Insurance…

Life Insurance

We’ve spent years working closely with individuals and families to help them make informed health insurance choices.

Can I opt out of Medicare without fear of penalty?

Can I Keep My Low-Cost Pennie Plan When I Turn 65 And Go On Medicare?

When Should I Apply for Medicare—and What Will It Cost?

Am I locked into the Advantage Plan company I enrolled with?

Do you offer or assist in obtaining individual dental insurance? Should I buy my own coverage?

What services do you and your agents provide after a client enrolls in a Medicare Supplement or Advantage Plan?

Would a new Supplement company be reliable and would we have to switch doctors?

How do I know if I’m with the best company and plan?

Should I switch my Advantage Plan to a Supplement Plan?

My Medicare Supplement rate just jumped — why, and what can I do?

Should I Switch My Medicare Supplement Before Rates Go Up?

Why Are Medicare Enrollment Periods and Penalties So Strict—and Is That Fair?”

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Erie County Area

Fayette/Westmoreland County Area

Pittsburgh Area

Albuquerque/Santa Fe, New Mexico Area

Serving These Areas