Health Insurance 101: A Guide for Recent Graduates
Health Insurance 101: A Guide for Recent Graduates Graduation is an exciting milestone that marks the beginning of a new chapter, usually entering the workforce.
December 1, 2025
Health Insurance 101: A Guide for Recent Graduates Graduation is an exciting milestone that marks the beginning of a new chapter, usually entering the workforce.
Easy & Creative Ideas to Refresh Your Home for Summer Warmer days, longer evenings, and a renewed sense of energy mean summer is upon us.
The Importance of Preventive Care Coverage: How Your Health Insurance can Save You Money in the Long Run Let’s face it, we’re not the best
Understanding Co-Pays vs. Coinsurance: Making Sense of Your Health Insurance Costs Navigating the world of health insurance can often feel like looking into the Matrix.
Protecting Your Investments: The Role of Insurance in Wealth Management In today’s uncertain world, building and preserving wealth requires more than just smart investments. Insurance
Healthy Living on a Budget: How Insurance Can Help You Save on Wellness Expenses Life moves fast, and maintaining a healthy lifestyle can sometimes feel
Health Savings Account: Is It Worth It Having it? Are you considering a Health Savings Account (HSA) but unsure if it’s the right choice? There
The Benefits of Bundling: How Combining Policies Can Save You Money We’ve all seen those quirky insurance commercials with talking geckos, overly enthusiastic salespeople, and
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Why Supplemental Health Insurance Might Be Worth Considering As the years go by, our healthcare needs often increase, and so do the associated costs. While
DIY Disaster Preparedness Kit: Make your own disaster preparedness kit with these essentials to keep your property and family safe Disasters can strike unexpectedly, leaving
medicare agent, Belvidere IL, Illinois, Rockford, Cherry Valley IL, medicare consultant veterans Carl Ritz
medicare agent, Belvidere IL, Illinois, Rockford, Cherry Valley IL, medicare consultant veterans Carl Ritz
Brown and White Eggs: What’s the Difference? Have you ever stood in the grocery store staring at egg cartons, wondering if there’s a meaningful difference
Prioritizing Preventive Care in Your Wellness Journey Many of us begin to realize we are getting older when happy hour means a good nap. This
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Would You Bet $7,000 on Your Health This Year? When it comes to health insurance, High Deductible Health Plans (HDHPs) often stand out for one
medicare agent, Belvidere IL, Illinois, Rockford, Cherry Valley IL, medicare consultant veterans Carl Ritz
Understanding the EOB: What Is It and Why Should You Care? If you’ve ever used your health insurance for a doctor’s visit, test, or procedure,
Ocean, Lakes, and Pools, Oh My! Tips for a Safe Summer Around Water There’s nothing like cooling off with a swim on a hot summer
Safe Travels: How to Prepare Your Family for an International Vacation Are you looking forward to traveling abroad this summer, taking a cruise to the
Term Life Insurance vs. Accidental Death and Dismemberment: What’s the Difference? If you’re exploring ways to protect your family financially, you may come across two
Coverage for College Students: Are They Still Protected Under Your Plan? As a parent, sending your child off to college means you’re already thinking about
medicare agent, Belvidere IL, Illinois, Rockford, Cherry Valley IL, medicare consultant veterans Carl Ritz
Funding a Business Buyout with Life Insurance: What Every Partner Should Know In business partnerships, one of the biggest “what if” questions is: What happens
You’re Retiring at 68—Did You Miss Your Medigap Enrollment Window? If you’re planning to retire at 68 and just now exploring your Medicare options, you
Why the Lowest Premium Might Cost You More in the Long Run When shopping for insurance, whether it’s health, auto, or homeowners, it’s tempting to
Life Insurance for a Non-Working Spouse or Partner: Protecting the Priceless When we fall in love and build a life with someone, we don’t think
Post Pandemic Travel Tips As much as we want to, the year 2020 will not soon be forgotten. But with the one of the most
Remote Activities You Can Do with Your Grandkids If there is one thing the pandemic has taught all of us, it is how to use
Benefits of Grateful Living One of the world’s greatest storytellers, Greek fabulist Aesop, may have summed it up best – “gratitude turns what we have
Power Foods that Lift the Spirit Need a pick-me-up? Consider eating one of these power foods. They are packed with vitamins and nutrients that are
How to Live Without Regrets Regret is unavoidable in life, but that does not mean you are forced to carry it forever. There are lessons
Reducing Stress Through Music Music is one of life’s greatest joys, and it has amazing health benefits too! Whether you are playing an instrument or
Best Nutrition Apps Your smartphone is a valuable tool that can help you track calories, monitor your intake, and follow a diet targeted to your
Why Gardening is Good for Your Health Gardens have been used in therapy at hospitals for thousands of years. In the early to mid-1800’s, Florence
Adapt Your Home for Safe Mobility As you age, your needs change dramatically. These changes can affect everything from the frequency with which you drive,
Ways to Get the Best Health Care Our health care system provides some of the best health care in the world. However, ensuring you receive
7 Ways to Improve the Quality of Life of Seniors You Care About Quality of life is defined by an individual’s physical, mental, and emotional
Tips for Making Dinnertime Special Does your family treat dinnertime as just another task on an ever-growing to-do list? For many families across the country,
Sleep Care is the New Self-Care Everywhere you turn there is a new self-care trend. A new cream to smooth wrinkles, dietary supplements to improve
The Last Guide to Chair Yoga You’ll Ever Need No matter what age or skill level you are, yoga can provide both physical and mental
What You Don’t Know About Senior Fitness Are you one of the 75% of American seniors who do not exercise regularly? For many seniors, there
Safety Tips for Outdoor Barbecues If there was an official smell of summer, it would be the American grill. Whether you fancy charcoal, propane, or
How to Stay Hydrated During the Summer Season Dehydration affects millions of Americans. It is estimated nearly 75% of us are chronically dehydrated which frequently
8 Gas Savings Tips During Summer If it seems like gas prices go up every summer, you’d be correct. According to the U.S. Energy Information
The Basics of Insurance APIs The term “milestone” is certainly appropriate when thinking about retirement. After all, saving and preparing ourselves for retirement is undoubtedly
Getting Fit Before the Medical Exam So, that medical exam you scheduled a while ago is now just a few days away. Like most tests,
Bucket List Ideas and Why It’s Important In the 2007 Rob Reiner film The Bucket List, Jack Nicholson’s character Edward quips “We live, we die,
I’ve Been Denied a Life Insurance Policy. Now What? So, you finally went ahead and applied for that life insurance policy your significant other has
Will My Life Insurance Policy Cover Me If Something Happens While Traveling? When applying for a life insurance policy, you will be asked to answer
Forget Salad Recipes, Try a Salad “Matrix” Does anything scream “I’m on a diet” more than eating a salad for lunch? Probably not. While salads
Why You Should Never Lie to the Underwriter Insurance premiums are based on the risk someone poses to an insurance company. The higher risk you
Mistakes You can Make When Exercising at Home Working out at home definitely has its advantages. You save time traveling to the gym, save the
How Valuable Is Cash Value Life Insurance? On the surface, life insurance is a very simple concept. When someone passes away, an insurance company pays
6 Strange Insurance Policies You Can Buy Practically anything is insurable – for a price. But whether an insurance company is willing to go through
Using HSAs In Your Retirement Planning Health savings accounts (HSA) can be a powerful tool when incorporated into your retirement planning. Too often HSAs are
Insure What? Celebrity Body Parts Insured Insurance is a financial instrument to protect valuable assets. For most people, this means purchasing policies to cover such
The Art of Aging Well Oscar Wilde opined that “life imitates art far more than art imitates life” in his essay The Decay of Lying.
Common Senior Micronutrient Deficiencies Maintaining a healthy diet is difficult for anyone. However, as we age, our appetites decline along with our activity levels. This
Who Invented Insurance Anyway? In the year 1666, the Great Fire of London destroyed over 30,000 homes. Shortly thereafter, modern insurance as we know it
Ben Franklin: Father of Modern Insurance As one of the preeminent founding fathers of the United States, Benjamin Franklin has been heralded with many great
Is One of These Factors Keeping You from Seeking Life Insurance? For over 200 years, life insurance has protected families from the untimely passing of
How to Host a Successful Virtual Holiday Party This year, many families are still celebrating the holidays apart, but that doesn’t mean your virtual gathering
What to Avoid When Switching to Medicare from the Public Health Exchange If you have health insurance coverage through the Public Health Exchange, you must
Things We Are Grateful for This Year There is no denying it. The last couple of years have been difficult for everyone. A global pandemic
Why Buy Life Insurance on Children When you become a parent, at some point you will be solicited to purchase life insurance on your children.
Giving and Forgiving Researchers are learning many more of our physical ills are psychosomatically induced than first thought. In other words, much of the physical
Critical Times in Life that You Need Life Insurance Thinking about our own mortality is rarely a pleasant experience. However, there are moments in your
Ways to Locate a Lost Life Insurance Policy Life insurance is one of the most economical ways to protect your family, reduce estate taxes, or
Safety Tips for Driving in Winter When then the leaves drop and the snow falls, the risks to winter drivers increases. Lowered visibility, snow drifts,
Navigating Insurance Renewals: Tips for Reviewing Your Policies Insurance policies form a crucial safety net in our lives, protecting our health, homes, and financial well-being.
Emergency Preparedness: How Insurance Can Provide Peace of Mind During Crises “The world is so unpredictable. Things happen suddenly, unexpectedly. We want to feel we
Insurance Myth Busters: Debunking Common Misconceptions about Coverage In the complex world of insurance, myths and misconceptions can lead to costly mistakes. Today, we’ll shed
medicare agent, Belvidere IL, Illinois, Rockford, Cherry Valley IL, medicare consultant veterans Carl Ritz
medicare agent, Belvidere IL, Illinois, Rockford, Cherry Valley IL, medicare consultant veterans Carl Ritz
The Impact of New Technology on Insurance Remember the 2002 sci-fi thriller “Minority Report,” where predictive technology revolutionized law enforcement by reporting crimes before they
medicare agent, Belvidere IL, Illinois, Rockford, Cherry Valley IL, medicare consultant veterans Carl Ritz
Flu Season Survival Guide Flu season is upon us, and taking proactive steps to protect your health and well-being is crucial. Here’s your survival guide
A Layman’s Guide to Choosing the Right Health Insurance Plan Choosing health insurance can feel like navigating a maze of confusing terms and endless options.
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Exploring the Benefits of Whole Life Insurance Beyond Basic Coverage As an insurance agent, I’ve seen firsthand how whole life insurance can be so much
medicare agent, Belvidere IL, Illinois, Rockford, Cherry Valley IL, medicare consultant veterans Carl Ritz
Why Choosing an Independent Insurance Agent Could Be Your Best Decision Yet Let’s be real – insurance shopping can feel about as exciting as watching
Year-End Insurance Checklist: Ensure You’re Covered for the Year Ahead As we approach the new year, it’s the perfect time to review your insurance coverage
medicare agent, Belvidere IL, Illinois, Rockford, Cherry Valley IL, medicare consultant veterans Carl Ritz
Smart Ways to Cut Insurance Costs without Sacrificing Protection Personal finances can become more challenging as the years go by, and finding ways to reduce
medicare agent, Belvidere IL, Illinois, Rockford, Cherry Valley IL, medicare consultant veterans Carl Ritz
New Year, New Coverage: Why January Is the Perfect Time to Reassess Your Health Insurance Needs As the calendar turns to a fresh year, many
Why Insurance Should Be Part of Your 2025 Resolutions Making insurance part of your New Year’s resolutions might sound strange at first. After all, it’s
medicare agent, Belvidere IL, Illinois, Rockford, Cherry Valley IL, medicare consultant veterans Carl Ritz
Questions to Ask Before Choosing an Insurance Policy Whether you are looking to insure your home, automobile, or your life, selecting the right insurance policy
The Hidden Benefits of Health Insurance You May Not Be Using According to a 2023 Kaiser Family Foundation study, 73% of insured Americans don’t fully
Understanding Your Insurance Options When it comes to insurance, making an informed decision can protect your financial future and provide peace of mind. With so
Understanding Universal Life Insurance: Is It Right for You? When it comes to life insurance, few products are as misunderstood as Universal Life Insurance (ULI).
Top 5 Common Insurance Myths and the Truth Behind Them Insurance is meant to give you peace of mind, but misconceptions often cloud the decision-making
Spring into Wellness: How to Boost Your Health and Energy this Season Spring is here, and it’s the ideal time to focus on improving your
Term Insurance: A Smart Way to Secure Your Family’s Future When you say “I do” or welcome a child into your life, your financial responsibilities
medicare agent, Belvidere IL, Illinois, Rockford, Cherry Valley IL, medicare consultant veterans Carl Ritz
Understanding the Unique Challenge As parents of children with special needs, you face a profound question that likely keeps you awake at night: “Who will