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senior man sitting on couch with adult son discussing medicare decisions

Who Can Make Medicare Decisions on Your Behalf?

Blog Author: John Demko

Understanding all the rules of Medicare and navigating all of the different plan options and choices can be a daunting task. As we age, it's common for a decline in mental cognition, and the older we get, the more this stands true. Whether it's unexpected medical issues or a general feeling of ...

adult child who helps with medicare decisions leaning on senior parent

Helping a Parent with Medicare Coverage

Blog Author: Kari Mellone

As your parents get older, you may find yourself stepping in to help with everything from daily tasks to healthcare decisions, including their Medicare coverage. Knowing where to start can make all the difference. From understanding plan types to comparing options and enrollment periods, Medicare ...

What Are OTC Benefits in a Medicare Advantage Plan?

Blog Author: Kathy Ingulsrud

Have you ever heard that Medicare Advantage plans often offer benefits beyond what's covered by Original Medicare? It's true! Medicare Advantage plans have become a popular option for Medicare enrollment among Medicare beneficiaries. Among other things, one added benefit that has become ...

dirt path in woods splitting in to two directions

What to Do If You Signed Up for the Wrong Medicare Plan

Blog Author: John Demko

Choosing the right Medicare plan is an important decision, and it can feel overwhelming. For many people, especially those transitioning from employer-sponsored insurance, the differences in coverage, costs, and provider networks can come as a surprise. Fortunately, if you realize the Medicare plan ...

senior man sitting outdoors on a bench review Medicare coverage information on a piece of paper

Do You Have the Right Medicare Coverage?

Blog Author: Tom Peterson

There are several times when it’s imperative to ask yourself if you have the right Medicare coverage. Of course, when you begin your Medicare journey you’ll want to take time to assess all your options and choose a Medicare plan that is ideal for your lifestyle and needs. However, you may end up ...

female hand holding cash giveback in front of yellow background

What Is the Medicare Part B Giveback?

Blog Author: Kathy Ingulsrud

Have you heard a friend or a TV commercial claiming you can get money back for your Medicare Part B premiums? Sound too good to be true? Well, it's not! However, there are guidelines for who and what type of medicare plans are qualified for this type of benefit. At Twin City Underwriters, we work ...

small toy shopping cart full of medications sitting on top of a laptop

Can I Use Medicare for Amazon Pharmacy?

Blog Author: Kathy Ingulsrud

Amazon has changed the way many of us shop and the convenience of our lives. What once started as an online bookstore has evolved into an online mega platform where you can order just about anything, and now get groceries and even prescription medications delivered! So if you are curious about ...

Stacks of coins increasing in height on top of a clock, representing annuity growth and time-based financial planning.

The Pros and Cons of Buying an Annuity in Your 70s

Blog Author: Kathy Ingulsrud

What Is an Annuity? An annuity is a legal agreement between a life insurance company and the contract holder. It can only be issued by a licensed life insurance company and sold by a licensed life agent.

Portrait of smiling african american senior woman in green sweater standing with friends in background

How Can Medicare Advantage Plans Have No Premium Cost?

Blog Author: Kathy Ingulsrud

If you're close to starting Medicare or even have been enrolled for some time, you've likely heard of $0 premium Medicare plans and wondered how that can be. It must be too good to be true, right? Well, it's not! $0 premium Medicare Advantage plans do exist and can be a good fit for many ...