supplemental coverage News

2027 Medicare Changes Seniors Should Know About

Every year, Medicare changes. Some years, the changes are minimal, and other times they are substantial. Some updates affect nearly every person enrolled, while others impact only certain plans or people with specific healthcare needs. Either way, these changes can affect your healthcare coverage, ...

The 2026 Minnesota Medigap Rule Change is Now Active

The world of Medicare is always changing, and a big part of our job at Twin City Underwriters is keeping an eye on developments and bringing them to the attention of our clients who can best benefit from those changes.

The Medicare Terms Everyone Googles

Have you ever heard or read something about Medicare and wondered, "What does that even mean?" When it comes to Medicare health insurance, or any insurance for that matter, terms and phrases are used, but the meaning behind them isn't always so clear.

How Does the Medicare Part B Giveback Benefit Work?

If you’ve seen the commercials promising to "put money back in your Social Security check," you likely have some questions about what this is, whether it's legit and how it works. If you hear these claims, they are likely referring to the Medicare Part B Giveback, which may also be described as the ...

Why People Add Supplemental Health Coverage to Their Medicare Plans

Medicare covers many essential healthcare services, but it doesn’t cover everything. Out-of-pocket costs, coverage gaps, and specific needs can leave many beneficiaries looking for additional protection. That’s where supplemental health coverage comes in to help fill those gaps and provide more ...

What Is Cancer Indemnity Insurance and How Does It Work?

A cancer diagnosis can bring more than just medical concerns and overwhelming emotions; it can also lead to unexpected expenses that aren’t always fully covered by regular health insurance or Medicare coverage. Cancer indemnity insurance is designed to help with those additional costs by providing ...

What Physical Therapy Services Does Medicare Cover?

If you or a loved one needs physical therapy, one of the first questions that comes up is whether Medicare will cover it. The good news is that Medicare does provide coverage for many physical therapy services, but there are a few important details to understand, including where you receive care, ...