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...
21 views0 comments
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...
20 views0 comments
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...
12 views0 comments
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...
21 views0 comments
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...
6 views0 comments
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...
13 views0 comments
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....
9 views0 comments
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,...
11 views0 comments
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...
12 views0 comments
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