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If you need to increase your life insurance coverage outside of an enrollment period or above set coverage limits, you may have to undergo a life insurance health exam. That may sound intimidating, but it probably won’t be as bad as you think – especially if you know what to expect. To make it ...

When you’re newly eligible for Medicare, the options can be overwhelming. What’s the difference between Original Medicare, Medicare Advantage, Part D and Medigap? How do I know if I need a Medicare Advantage Plan, or if another plan is the right choice for me? At Twin City Underwriters, we’re here ...

Eating a healthy diet can be tough at any age, but it’s often especially difficult for seniors. There are many reasons for this. Appetites fluctuate, nutritional needs change, and chronic disease or medication affects how or what you eat. Therefore, it’s important to be aware of the different ...

If you've ever opened your Medicare statement and thought, “Why is my premium higher than someone else's?” you are not alone. Many people are surprised to learn that Medicare premiums aren’t always one-size-fits-all. For higher earners, there's a little-known surcharge that can impact your monthly ...

When comparing Medicare Part D plans, it’s important to consider all the details. Medicare prescription deductibles are one of the factors that will impact the overall cost of your plan. Here’s what you need to know about Part D deductibles.

What are Medicare Star Ratings? Medicare star ratings rank Medicare plans from 1 to 5 stars, with 5 being the highest. Any plan that has lower than 3 stars for three years in a row will be flagged as a “low performing” plan. Medicare will notify you if your plan reaches this threshold, but you will ...

When you’re enrolling in Medicare or choosing a new Medicare plan, it’s important to understand the options and process. However, we know that Medicare can be confusing! To make it easier, we’re sharing some lesser-known Medicare facts that will help you better navigate the system, courtesy of ...

There are many health care services that are not covered by Original Medicare. These include vision and preventative dental care, hearing aids, and prescription drug costs, among others. If you need coverage for these types of care (as the majority of seniors do) you’ll need to pay out of pocket or ...

The Medicare Annual Election Period (AEP) runs from October 15 to December 7. This is when you can join a new Medicare plan or make changes to an existing plan. Unless you experience a qualifying event, this is the only time of year when you can change your Medicare plan. This is why it’s important ...