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, 2022
- 3 min
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, 2022
- 2 min
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, 2021
- 2 min
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, 2021
- 2 min
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, 2021
- 2 min
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, 2021
- 2 min
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, 2020
- 4 min
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, 2020
- 3 min
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, 2020
- 2 min
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, 2020
- 2 min
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, 2020
- 2 min
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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