Insurance Blog
Flu Season and Group Health Benefits: What Employers Should Know
October 13, 2026
As flu season picks up each fall, employers are often looking for practical ways to support employee health while managing the impact of illness-related absences...
Deductibles, Copays, and Coinsurance: Understanding Your Health Insurance Costs
October 10, 2026
Health insurance comes with its own vocabulary, and terms like deductible, copay, and coinsurance are often used without much explanation. Understanding what each one means,...
Life Insurance Riders 101: Customizing Your Policy to Fit Your Needs
October 7, 2026
Life insurance policies aren't always one-size-fits-all. Many insurers offer optional add-ons, known as riders, that let policyholders adjust their coverage to better match their personal...
Medicare Part D Explained: Understanding Prescription Drug Coverage
October 6, 2026
Prescription drug costs are a significant consideration for many people on Medicare, and Medicare Part D is the part of the program specifically designed to...
Voluntary Benefits 101: Adding Value to Your Group Benefits Package
September 28, 2026
What Are Voluntary Benefits? Voluntary benefits are additional coverage options that employees can choose to purchase, often at a discounted group rate, alongside their core...
Still Working at 65? Here’s What You Need to Know Before You Do Anything With Medicare
September 25, 2026
More and more of my clients are still working full time when they turn 65, and that changes the Medicare conversation quite a bit. If...
Health Insurance Options for College Students
September 25, 2026
A New Season Brings New Health Insurance Questions As students head off to college, health insurance is often one of the last things on their...
The Medicare Coverage Gap Nobody Warns You About
September 24, 2026
I've sat across the table from hundreds of people over the years, and this is one of the moments I watch land the hardest. Someone...
What Will Medicare Actually Cost You in 2026?
September 23, 2026
Every year around this time, I get a wave of calls that all start the same way. “My premium notice showed up and I don’t...
Medicare Advantage or Medigap? Here’s How I Actually Help Clients Decide
September 22, 2026
This is the question that keeps me busiest every fall, and honestly, it’s the right question to be asking. There isn’t a universally correct answer...
Customer Reviews
Trying to figure out the best options for Medicare can be challenging. Tracy...
Bill H
BH
Excellent service! Highly Recommend! Tracy know his stuff!
Nathan L
Tracy is a true professional who prides himself in putting his clients in plans...
Jared B
