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 ...

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 ...

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 ...

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 ...

What qualifies as durable medical equipment? What type of durable medical equipment (DME) is covered by Medicare? How much will DME cost me? These are questions you might have when figuring out which ...

A Plan Annual Notice of Change (ANOC) isn’t as intimidating as it seems. If you already have a Medicare plan, you will receive an Annual Notice of Change each fall. Your ANOC will have information ...

Today, we’ll discuss Original Medicare in-depth. This will help you understand what it is, what type of coverage it includes, the cost of the plan, and if it fits your needs.

Whether you’re new to Medicare or have been covered by Medicare for years, it can be confusing to sort through the options and choose a plan that meets your needs. The Twin City Underwriters’ ...

As you age and reach new life milestones – marriage, homeownership, the birth of a child, retirement – your life insurance needs will change too. This can create a challenge. You don’t want to pay ...

Has your life changed since you took out your life insurance policy? It’s very common. Perhaps you were newly married when you first signed up for insurance. Now you’re in a new home with a baby on ...

Whether you’re recovering from an injury, a planned medical procedure, or simply need extra care following a hospitalization, skilled nursing services can cover care needs during the transition ...

When signing up for a life insurance plan, balance is important. You want to get the right amount of coverage for your needs and goals, without overpaying for coverage you don’t need. Unfortunately, ...

If you or a loved one is admitted to the hospital, whether for a routine procedure or an unexpected illness, it can be a stressful experience. Of the many details to keep track of, the patient’s ...

Permanent life insurance refers to life insurance policies that do not expire. Two common insurance types that fall under this umbrella are whole and universal life insurance. If you want life ...

It often feels like we hear about a new scam targeting seniors nearly every day. And while it’s true that Medicare fraud and similar schemes can be incredibly harmful, you can save yourself the worry ...

Has your Medicare plan unexpectedly denied coverage for a doctor visit, medical procedure, prescription medication, supply item or hospital stay? You have the right to appeal, and for that appeal to ...

When you’re healthy, life insurance can seem like an unnecessary expense. However, as we’ve all learned over the past year, health, safety and stability are incredibly tenuous. It only takes one ...

What Is a Medicare Advantage Plan? A Medicare Advantage Plan offers coverage through a private company instead of through government-provided Medicare. One way to receive your Medicare Coverage is by ...

It is difficult to understand the different options for life insurance – and determine which plan is right for you. Here, we’ll review the various types of life insurance and how to navigate ...

Are you currently enrolled in a Medicare Advantage Plan or are you thinking of joining a Medicare Advantage Plan? Here are the top questions we receive about Medicare Advantage Plans and what you ...

The health of your mouth, teeth and gums can greatly affect your overall health and wellbeing. Therefore, maintaining oral and dental health is increasingly important. For seniors, having affordable ...

Whether you’re new to Medicare or have been enrolled for years, figuring out when you’re able to enroll or make changes to your plan can be difficult. There is a set timeframe for when you’re first ...

This year, in-person social gatherings aren’t possible in the interest of health and safety. Thankfully, technology can keep us connected. Keeping in touch can reduce feelings of isolation thereby ...

Diabetes currently affects more than 3.3 million Medicare beneficiaries. Medicare Part D changes, specifically Insulin coverage and related expenses, are about to change. What does this mean for you? ...

Medicare plans and options can be difficult to decipher on your own. As deadlines near, the pressure to choose can be overwhelming. Eliminate the stress of Medicare selection and enrollment with the ...

Prescription drug costs can be a significant out-of-pocket expense. However, you may be eligible for a government program that helps pay for Medicare Part D prescription drug costs. In this blog, ...

From family reunions to Medicare webinars, social gatherings have moved online this year. One of the most popular meeting software tools is Zoom. Like in-person gatherings, you can still raise your ...

Choosing a Medicare plan isn’t easy. There are an almost endless number of options and it can be confusing to understand your options. When comparing plans, follow these guidelines from Medicare.gov ...

If you currently have Medicare Part A and are thinking of fully transitioning to Medicare, you may be wondering what you need to do to apply for Medicare Part B. With the current pandemic, there have ...

Navigating Medicare on your own is overwhelming and confusing. That’s why many people use the services of a Medicare insurance broker when it’s time for them to sign up for Medicare.

As you turn 65, if you’re still working you may be able to stay on your employer insurance. For many people in this position, they may not know if it’s better to keep their current insurance or ...

During these uncertain times, your health and safety is paramount. If you’re currently taking medication and are worried about visiting the pharmacy, now is the perfect time to switch to mail order ...

One question we are asked consistently is, “What do I have to do if I will continue working past my 65th birthday?” For many Americans, they’re not ready or able to retire at 65 and want to continue ...

If you receive Original Medicare coverage, you can travel anywhere within the United States and still be covered. If you travel outside of the United States, your coverage is limited.

As you or a loved one approaches 65, there are many questions about Medicare. The first is usually the simplest: do I qualify for Medicare?

What is MyMedicare.gov? MyMedicare.gov is part of the government website for Medicare. Here you can see your personal Medicare statement. This will show you what your current plan and coverage ...

Each year as Medicare changes, it can be hard to separate myth from truth. Your friends’ experiences with Medicare even just five years ago may not be the same as now. To add to the confusion, ...

Prescription costs and coverage is a huge concern for many people. As you approach Medicare eligibility, it’s important to understand your drug coverage options so that you can choose the best plan ...

The cold and snowy Minnesota months are upon us, so it’s time to start looking for a sunny and warm place to vacation. Before you travel abroad, be sure to read this information about Medicare ...

Did you receive life insurance from a company you used to work for years ago, but you’re not sure if you still have that life insurance? Do you know what your life insurance coverage is? It’s ...

Are you intimidated when you hear the phrase “sign-up for Medicare?” You don’t have to feel overwhelmed by this process! Check out our guide that covers how to sign-up for Medicare online.

What is Creditable Coverage for Medicare? When talking about Creditable Coverage for Medicare it is usually referring to Prescription Drug coverage. What is meant by creditable coverage is that your ...

There are many services covered by Medicare that you may not realize. Many people with Medicare do not know if mental health services are covered with their plan.

Medicare can be confusing, so it’s normal to have many questions about Medicare plans, the Annual Election Period, and more. Here’s where you can get helpful Medicare information in Minnesota.

It’s no secret that there is a lot more to Medicare than a simple one-size-fits all plan. If need a health plan to better suit your needs than traditional Medicare can provide, you should consider a ...

Now that the kids have moved out and your free time doesn’t revolve around chauffeuring them to dance lessons, sports and school activities, you now have more time to take up some new hobbies. These ...

Are you currently enrolled in a Medicare Advantage Plan or are you thinking of switching to a Medicare Advantage Plan? Here are the top questions we receive about Medicare Advantage Plans, and what ...

There are a lot of questions regarding Medicare and its parts. Is Medicare Part D optional? What does Medicare Part D cover? If you have any of these questions concerning Medicare Part D prescription ...