Resources
Insurance has its own language. These guides explain common topics in plain English so you can make informed decisions.
Medicare Supplement
Original Medicare covers a lot, but not everything. A Medigap plan helps cover the gaps. These guides explain how it works, what the plans cover, and how to choose.
What is a Medigap plan?
Original Medicare leaves you responsible for deductibles and coinsurance. Medigap plans help cover those costs. In Florida, the same plan letter generally covers the same standardized benefits regardless of the company.
Learn more →Medicare SupplementPlan G vs. Plan N
Two widely chosen Medigap plans. Plan G covers many of the major gaps in Original Medicare, except the Part B deductible. Plan N costs less per month but has small copayments for some visits.
Learn more →Medicare SupplementWhen to enroll in Medigap
Your Medigap Open Enrollment Period is the six months after you turn 65 and enroll in Part B. During this initial window, insurers generally cannot deny you coverage or charge higher premiums based on health.
Learn more →Medicare SupplementWhat Original Medicare doesn't cover
Part A and Part B leave gaps: the 20% coinsurance, hospital deductibles, excess charges, and foreign travel emergencies. Understanding the gaps is the first step.
Learn more →Medicare SupplementChanging Medigap plans after enrollment
After your initial Medigap enrollment window, switching plans may involve medical underwriting unless you qualify for a guaranteed issue right. The rules depend on your situation, so it's worth reviewing before you apply.
Learn more →Medicare SupplementCommon Medigap mistakes
Waiting too long to enroll, choosing on premium alone, not understanding pricing methods, and confusing Medigap with other types of Medicare coverage.
Learn more →Life Insurance
Life insurance covers what your savings might not. These guides explain the different types, who they're for, and how to figure out what you need.
What is final expense insurance?
A type of whole life policy designed to cover funeral costs, outstanding medical bills, and similar end-of-life obligations. Smaller coverage amounts, simpler application.
Learn more →Life InsuranceTerm vs. whole life
Term life covers you for a set period. Whole life covers you permanently and builds cash value. Each has trade-offs. Here's how to think about which one fits.
Learn more →Life InsuranceWho needs life insurance?
If someone depends on your income, your presence, or would be left with your debts, life insurance is worth considering. If not, it might not be.
Learn more →Life InsuranceLife insurance with health conditions
A health condition doesn't automatically disqualify you. Different companies underwrite differently, and some guaranteed-acceptance options may be available, depending on age, state availability, coverage amount, and policy terms.
Learn more →Life InsuranceHow much life insurance do you need?
A simple framework: add up what you'd want covered (income, debts, final expenses), subtract what's already covered (savings, other policies), and the gap is your starting point.
Learn more →Supplemental Health
These policies pay you cash when something specific happens. They don't replace your health insurance. They help with the costs your other coverage doesn't touch.
What is hospital indemnity insurance?
Pays you a fixed cash amount when you're hospitalized. The money goes directly to you and you can use it for anything: bills, rent, groceries, whatever you need.
Learn more →Supplemental HealthWhat is accident insurance?
Pays a cash benefit when you're injured in an accident. Covers things like fractures, dislocations, and emergency room visits. Supplements your existing coverage.
Learn more →Supplemental HealthWhat is cancer insurance?
Pays a lump sum or scheduled benefits if you're diagnosed with cancer. Designed to help with non-medical costs like travel, lodging, lost income, and household expenses.
Learn more →Supplemental HealthWhen supplemental insurance makes sense
If you're on a fixed income, have a high-deductible plan, have a family history of certain conditions, or stay physically active, supplemental coverage may be worth considering.
Learn more →Supplemental HealthWhat supplemental insurance is not
It's not health insurance, it doesn't pay your doctors, and it's not a savings account. Understanding what supplemental coverage doesn't do is just as important as understanding what it does.
Learn more →