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Tom Valdez
Sep 16, 20242 min read
What Kind of Changes Can I Expect With My Medicare Plan in 2025?
Each September, insurance companies who sell Part C (Medicare Advantage) and Part D (Prescription Drug Plans) publish a letter to their...
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Tom Valdez
Aug 19, 20243 min read
How to Get a Life Insurance Check
Life insurance provides a crucial financial safety net for families and loved ones in the event of death. Assuming you've already...
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Tom Valdez
Aug 13, 20243 min read
How Do Dental PPOs Work?
Math warning: Lots of numbers at the end of this blog. For most people, the only thing worse than going to the dentist is paying for...
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Tom Valdez
May 15, 20243 min read
4 Ways to Lower the Cost of Your Meds
Lately, the U.S. government has had a seemingly laser-like focus on reducing the cost of prescriptions. If you’re taking an expensive...
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Tom Valdez
Dec 20, 20223 min read
Is an Inexpensive Part D Plan a Good Idea?
The saying, “You get what you pay for” is quite true. After all, you wouldn’t buy a cell phone at the Dollar Tree, right? This is how...
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Tom Valdez
May 6, 20223 min read
Your First Medicare Bill - SURPRISE!
Many people are excited to start Medicare – and rightfully so. It’s a great program that has great supplemental plan options and a lot of...
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Tom Valdez
Apr 4, 20222 min read
This is Why You Chose a High Deductible Plan. Here's How It Affects You - Now and at Retirement
High Deductible Health Plans are popular today among healthy, budget-conscientious adults. While not a good fit for everyone, (hint: no...
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Tom Valdez
Sep 20, 20212 min read
ANOC at the Door. What Does This Document Mean?
It's about that time. ANOC is at your door. If you have a Medicare Advantage plan and you're reading this close to the time of...
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Tom Valdez
Feb 16, 20212 min read
The Scope of Appointment: What It Is and Why Medicare Requires It
Imagine this: you find an insurance agent to help explain Medicare to you, and then in the middle of the meeting, they pull out a form...
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Tom Valdez
Feb 12, 20212 min read
I’m 50+ Years Old. Can I Buy Term Life Insurance?
Buying term life insurance in your 20s and 30s is simple. It’s cheap, underwriting is quick, and will provide you sufficient protection...
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Tom Valdez
Jan 15, 20212 min read
Why is My Health Insurance So Expensive as a Self-Employed Individual?
If you quit your job to be a 1099 contractor or start a business, you will likely have some sticker shock when you apply for health...
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Tom Valdez
Nov 20, 20204 min read
How Much Does Medicare Cost?
Boy, this is such a complex question, but I get asked this very pertinent question frequently. Want the quick and dirty? – It depends....
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Tom Valdez
Oct 15, 20203 min read
Choosing a Medigap Plan
When starting Medicare, one of the first things you’ll learn is that Medicare doesn’t cover everything and that you’re going to want a...
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Tom Valdez
Sep 8, 20202 min read
Moving On: Can you take your Medicare Plan with you if you relocate?
2020 has been a year of upheaval – coronavirus, job loss, murder hornets, hurricanes, fires, and crazy politics to name a few. For these...
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Tom Valdez
Jul 13, 20202 min read
Why Voluntary Benefits Packages Matter...and Why You Should Offer Them
Most of you, regardless of your position in a company, inherently know the reasons why employers should have voluntary benefits packages,...
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Tom Valdez
Jun 26, 20202 min read
What Are Medicare Special Enrollment Periods?
Most of my clients and others I’ve consulted with believe that there’s only ONE time of year they can change their Medicare Advantage...
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