Do Couples Need To Be On The Same Medicare Coverage Plan?
Should my spouse and I be on the same type of Medicare plan? In short, no. Medicare beneficiaries are free to select the plans of their choosing. When working with a licensed insurance agent, information is collected for the individual with respect to their unique health insurance needs, then options are presented that include plans […]
Weekly Insights Into Group Employer Benefits Coming Soon!
Welcome to the Benefits Breakdown Blog! Each week, I’ll be sharing insights, tips, and guidance on group employer benefits. Everything from health and dental plans to life insurance, disability coverage, compliance topics, and cost-containment strategies. Whether you’re a business owner, HR professional, or employee trying to better understand your plan, this space is here to […]
Understanding the Basics of Medicare Parts A and B
Understanding Medicare Coverage: What Do I Need to Know? Medicare is a government-funded insurance program that you can enroll in through the Social Security office once you become eligible. But understanding the coverage options can sometimes be confusing. Here is an overview of Medicare and the difference between its two main parts, Part A and […]
I Could Never Sell My House for How Much It’s Insured For!
Here is how the market value of your house differs from the replacement cost value that’s used on your house insurance. Read time: 2 min If a disaster strikes and your home is damaged or destroyed, do you know what it would cost to restore your home to the condition it was in before the […]
Am I Automatically Enrolled in Medicare When I Turn 65?
When I turn 65, do I automatically enroll into Medicare? If you receive Social Security, Railroad Retirement, or disability benefits, you will be enrolled in Medicare Part A and Part B automatically. Before your 65th birthday or 24th month of disability, you will receive an Initial Enrollment Package. This includes Medicare details, a questionnaire, and […]
In an Uncertain Market, You Can Always Turn to Annuities
In an Uncertain Market, Turn to Annuities Cincinnati Life Ins An annuity can offer diversity as part of a complete investment plan. Tired of watching the stock market and seeing the value of your investments fluctuate on a daily basis? Consider purchasing a deferred or immediate annuity to protect and grow your savings into […]
Group Health Insurance and Employee Benefits Are Back!
Group Health Insurance and Employee Benefits Are Back! It was previously announced earlier in the year that the Beck Insurance Agency has entered into a merger partnership with the Frost Insurance Agency. Frost, like the Beck Agency, has been in business in NW Ohio for more than 75 years. This partnership brings with it many […]
How does insurance coverage on my home roof work?
Roof Insurance Explained: Coverages, Claims, and Loss Settlements 4/24/2025 Many homeowners insurance policies help cover the cost of replacing or repairing your roof when it’s damaged by wind, hail, fire or other covered perils. The extent of coverage and the amount paid out ultimately depends on the specific language in your policy, the age […]
When Should I Start Thinking About Enrolling Into Medicare?
So when should I begin thinking about and working on the transition to Medicare? Are you approaching your milestone “65th” birthday? Is that birthday within the next 6 months? Around that mark, you should start thinking about your health coverage moving forward. You can do your due diligence and contact an independent licensed Medicare agent […]
Dog Bite Claims Soaring in Frequency and Cost
Dog Bite Claims Soar in Frequency and Cost: Report Insurers in the U.S. paid out about $1.6 billion in dog-related injury claims in 2024. This is according to data compiled by the Insurance Information Institute (Triple-I) and State Farm. The number of dog bite and related injury claims last year totaled 22,658, an increase of […]
