You’ve worked hard to build financial security for your family, which is the main reason why you don't want to let taxes diminish their inheritance. With the right life insurance strategy, you can ...
A relatively new phenomenon in the employee benefits world is the Individual Coverage Health Reimbursement Arrangement or ICHRA. This program is an employer sponsored plan that employers can ...
You're probably familiar with Medicare, but you may not know much about Medicare Special Needs Plans (SNPs), a type of Medicare plan designed for individuals with specific healthcare needs. These ...
It's important to be prepared when you are getting ready for an international trip so that you can relax and enjoy your vacation. Besides remembering to grab your passport and pack extra socks, it's ...
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 ...
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 ...
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 ...
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 ...
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 ...
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, ...
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 ...
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 ...
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 ...
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 ...
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 ...
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 ...
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 ...
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 ...
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 ...
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 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. ...
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 ...
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 ...
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 ...
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 ...
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 ...
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 ...
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 ...
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 ...
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 ...
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, ...
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 ...
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 ...
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 ...
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 ...
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 ...
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 ...
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 ...
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 ...
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 ...
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 ...
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 ...
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 ...
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 ...
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 ...
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 ...
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 ...
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 ...
