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March 26, 2025 |Todd Lewison

Are you looking for a Medicare Plan to fit your specific needs but don’t know what important factors you need to consider? Whether you are just starting to consider enrolling into Medicare, or you've ...

woman with aging parent and daughter sitting outdoors in park
Blog Author: Kathy Ingulsrud

As part of the sandwich generation, you may find yourself helping to care for your aging parents while managing your own family's responsibilities. This can be a challenge on it's own, but it only ...

longterm care nurse talking with elderly woman holding a cane
Blog Author: John Demko

If you or a loved one is in need of home health care, it's important to understand what Medicare covers for these types of services and what is excluded. In this blog, you'll learn what home health ...

Senior woman receiving shingles vaccine from nurse
Blog Author: John Demko

Shingles can cause intense pain and discomfort, but the good news is that it can be preventable with the Shingrix vaccine. If you’re wondering whether your Medicare plan covers this vaccine, you’re ...

five yellow stars on blackboard
Blog Author: Todd Lewison

When choosing a Medicare plan, one important attribute to consider is a "Star Rating." The overall Star Rating gives a ranking of the Medicare plan's quality and performance for the types of services ...

older adult in blue shirt getting a vaccine
Blog Author: Kathy Ingulsrud

Have you mastered your Medicare coverage, or are you still trying to figure out the specifics of what's covered and what's not? If you're wondering how various vaccines are covered by your Medicare, ...

senior woman in wheel chair with nurse at nursing home
Blog Author: Kari Mellone

Planning for nursing home care can feel overwhelming, especially when you're trying to understand how Medicare fits into the picture. Whether you're planning for the future for yourself or navigating ...

senior woman doing exercise with dumbells
Blog Author: Kathy Ingulsrud

Staying active as we age is essential for a long and healthy life. If you’ve been looking to maintain your health and energy levels as you get older, you may be wondering if Medicare can help. The ...

colorful healthcare puzzle pieces on tabletop
Blog Author: John Demko

What do Medicare Advantage plans, also known as Part C, have in store for 2025?

Senior aged man on his laptop at a coffeeshop
Blog Author: John Demko

As you near the highly anticipated age of 65 years old, the excitement of joining Medicare can be overwhelming. Understanding Medicare coverage and the various plan options can be time-consuming and ...

man doing chair yoga exercises indoors
Blog Author: Todd Lewison

It can be hard to find the motivation to work out, especially when there is snow on the ground and the winter blues have set in. However, staying active has countless benefits, especially for ...

Female caregiver chatting with senior women
Blog Author: Marcia Pruitt

Caregiver burnout is real. Just like workers lose energy at their jobs or parents lose energy around their kids or spouses, caregivers can easily feel burnt out constantly being “on” and focusing all ...

Older woman looking at some information on paper
Blog Author: Kari Mellone

There are two crucial topics that are of the utmost importance as you age: Life insurance and medical insurance. On one hand, you want to maintain a healthy, positive way of living so you can live ...

Man in wheelchair being helped by caregiver
Blog Author: Kathy Ingulsrud

Alternative health care options like acupuncture, supplements, and therapeutic massage are becoming increasingly popular. With this growing interest, many find themselves wondering if Medicare covers ...

A man wearing prescription glasses smiling at camera
Blog Author: Kathy Ingulsrud

Do you foresee a new pair of glasses in your future? Maybe your current ones are barely staying together or perhaps you’re finally ready to admit that squinting at the TV isn’t as effective as it ...

Doctor speaking with senior patient
Blog Author: Marcia Pruitt

Staying on top of your health is easier when you know what’s covered by Medicare. From essential screenings to vaccinations, preventive services are an important part of maintaining your health. Keep ...

Photo of hands typing on calculator
Blog Author: Todd Lewison

Navigating the complexities of Medicare can be challenging, especially when it comes to understanding the financial aspects. One common question that our team receives from the Medicare beneficiaries ...

Winter scenery - Row of pine trees covered in snow
Blog Author: Kathy Ingulsrud

Winter travel can be a daunting endeavor, fraught with concerns about the weather, hazardous road conditions and personal comfort levels. Embarking on winter adventures doesn’t have to be stressful. ...

Twin City Underwriter's SurePlan® Medicare System Logo
Blog Author: John Demko

Choosing a Medicare plan can be hard – there are so many to choose from. How do you know you have the right one? Twin City Underwriters uses their very own SurePlan® Medicare System to ensure you ...

Older aged Woman in wheelchair
Blog Author: Kari Mellone

Long-term care is becoming a growing concern for individuals. With the generational family unit playing a less active role in the care of elders, more and more senior individuals naturally find ...

Man reading book outdoors
Blog Author: Todd Lewison

Unfortunately, Medicare scams are on the rise. As technology continues to become more advanced, these scams are increasingly common and sophisticated. Scammers will try just about anything to ...

Passport and camera ready for travel
Blog Author: Marcia Pruitt

A common goal among individuals, young and old, is to travel. Traveling and exploring new destinations is an opportunity to witness new sights, enjoy new experiences, and immerse ourselves in diverse ...

Couple taking selfie photo
Blog Author: Kathy Ingulsrud

Fun and Medicare are two words you don’t typically expect to be in the same sentence. We get it; Medicare can be an overwhelming topic, especially when you are just starting out. But at Twin City ...

family taking a walk in a forest
Blog Author: Tom Peterson

Life insurance is used for many purposes, from covering outstanding debts, providing financial protection for a young family in the event of the policyholder’s death, and leaving a financial legacy ...

Doctor writing on chart
Blog Author: John Demko

Prior Authorization—whether you’re on Medicare or not, you’ve likely heard this term and may have some questions about it. This process, which is often necessary for certain medical services and ...

senior with joint pain in left knee
Blog Author: Kathy Ingulsrud

Are you dealing with joint pain? Does it leave you feeling incapable of doing the things you once enjoyed? Unfortunately, joint pain is a common occurrence for adults, especially as we age. According ...

various sized prescription pills on orange background
Blog Author: Kari Mellone

If you are enrolled in Medicare, you likely know that changes are a common occurrence. Because of this, staying informed is critical to understanding how you may be affected and being confident that ...

Chiropractic office
Blog Author: Marcia Pruitt

Are you curious about chiropractic care and if it’s covered by Medicare? You are not alone. Whether you’re seeking relief from back pain or considering alternative therapies for another condition, ...

Older couple kissing on a beach
Blog Author: Todd Lewison

If you are enrolled in a Medicare plan, you may have heard the term or even received an “Annual Notice of Change (ANOC).” If you are not quite sure what this is, its significance, or the details you ...

people walking dog at a park
Blog Author: John Demko

If you have a Medicare plan, you may wonder if it automatically renews each year or if you need to take action to keep or change your plan. It’s important to be aware of how your Medicare plan ...

Older couple looking at laptop and papers on desk
Blog Author: Todd Lewison

Whether you just started Medicare this year or have been on Medicare for several years, it’s probably no surprise that things can change often. In fact, premiums, plan benefits and more can change ...

Blog Author: Tom Peterson

Life insurance is a complex subject that can seem intimidating at first. As a young and healthy individual, it’s easy to put off purchasing life insurance. However, it’s important to consider buying ...

Blog Author: John Demko

Navigating Medicare can be overwhelming. Understanding the enrollment periods, the difference between a Medicare Supplement and a Medicare Advantage plan and the varying coverage options can be a ...

Older woman with towel around shoulders
Blog Author: Kathy Ingulsrud

As we age, it’s common not to feel as energized as we did in our youth. Even the second or third cup of coffee may not have you feeling as energized as it once did. Add some joint stiffness or back ...

Nurse taking care of patient in a bed
Blog Author: Kari Mellone

Recent studies estimate that at least 70% of older adults aged 65 years and older will require long-term care at some point. Long-term care costs vary throughout the country, but according to the ...

Older couple viewing something on laptop
Blog Author: Kari Mellone

Retirement planning should be an essential aspect of each individual’s life. The timing and tactics are often quite varied. Still, it is something that every person needs to make an effort to ...

Various fruits and vegetables at a store
Blog Author: Tom Peterson

As you approach your 65th birthday, you’re likely to be bombarded with information, emails, and mailers from various Medicare insurance companies. It can be overwhelming to decipher the medicare ...

Insurance broker showing options to client
Blog Author: John Demko

Understanding the roles of insurance agents and brokers is significant when it comes to insurance. These terms are often used interchangeably, which can be confusing. You might be wondering if they ...

Older man getting fitted for hearing aid
Blog Author: Todd Lewison

As we age, it’s common for our senses to be less sharp than they once were. You may have a more challenging time reading the text in your novel, or you might find yourself asking the grandkids to ...

Gold balance scale on desk
Blog Author: John Demko

When it’s time to sign up for Medicare, there is a lot of information to take in. Signing up for Original Medicare Parts A and B is typically a rather straightforward process, but when it comes to ...

Woman smiling at camera
Blog Author: Todd Lewison

When you hear something is free, you may say that it’s too good to be true! In some cases, it is; in others, it’s not. So, when it comes to Medicare plans, the question arises: Are there really free ...

older couple about to paddleboard
Blog Author: Kathy Ingulsrud

Summer is a time for fun, friends, family, outdoor activities and fresh flavorful foods. Whether you are a ‘young senior’ just entering your golden years, or an ‘older senior’ embracing a slower ...

Older couple sitting on a bench
Blog Author: Tom Peterson

When a loved one passes away, amidst the grief and sense of loss, the emotional unrest is often amplified by the practical matters that must be addressed. Among the many tasks and concerns to sort ...

someone using calculator and laptop
Blog Author: Kari Mellone

Annuities can provide individuals with significant value in retirement planning, such as increasing savings, managing tax exposure, or providing guaranteed income. Understanding the different types ...

Minneapolis skyline
Blog Author: John Demko

Medicare Advantage plans have become a popular choice for seniors seeking comprehensive coverage beyond Original Medicare. Also known as MA or MAPD plans, they offer supplemental benefits and often ...

closeup of prescription pills
Blog Author: Kari Mellone

Medicare consists of several different parts of coverage. Medicare Part A and Medicare Part B make up Original Medicare, which provides hospital coverage and doctor care, among other services. Find ...

Coins staked in three rows on table
Blog Author: Todd Lewison

When it comes to Medicare, there’s a lot to consider beyond just the basic coverage options. One crucial aspect that often catches new enrollees off guard is the fact that Medicare premiums are ...

family with 3 young daughters
Blog Author: Tom Peterson

Most individuals are familiar with the term and concept of life insurance, but what about family life insurance? How is family life insurance different from any other life insurance policy? We’ll ...

senior looking at phone
Blog Author: John Demko

Shortly before your 65th birthday or when you sign up for Medicare, you’ll receive a red, white and blue paper card – this is your official Medicare card. Your Medicare card will be used for many ...

nurses at assisted living facility talking
Blog Author: Kathy Ingulsrud

Moving often comes with stress and a long to-do list, and this can be especially true for an adult child and senior parent who has decided to move into assisted living. This transition may have been ...