Blog List

March 31, 2023
Reviewing and Understanding Medical bills

How to Review Your Medical Bills Medical bills are complex and hard to read, making it difficult to see exactly what you are paying for. We tend to see charges being lumped together instead of them being itemized from hospitals or clinics. With many clinics and hospitals going paperless, it

March 8, 2023
Medicare & Social Security Enrollments

Enrolling into Medicare & Social Security at the same time When it comes to taking retirement benefits from Social Security and Medicare, it may not always make sense to enroll in both benefits at the same time. Typically, individuals are first eligible to take Social Security at 62 (60 years

January 11, 2023
Medicare Saving Account Plans (MSA)

When it comes to Medicare in Minnesota, there are over 400 plan combinations that an individual can have. Choices are great but shopping for coverage alone can quickly seem overwhelming. Medicare Savings Account (MSA) plans are yet another option to provide you with benefits with Original Medicare. These plans are

January 3, 2023
Medicare Part D & the Donut Hole

Medicare Part D & the Donut Hole Medicare Part D may seem simple at the surface, but it can create surprises for some Medicare beneficiaries. There are features within this coverage that’s unique to Medicare and can lead to higher out of pocket cost with your medications. We will break down the

June 14, 2022
Why purchase insurance with Original Medicare?

Why do I need to purchase insurance with Original Medicare? Medicare does not cover all your medical needs at 100% and does not cover everything. It also does not have a max out of pocket  with your coverage and private insurance plans can create consistency with your medical bills.  Let’s break down

June 14, 2022
What does Original Medicare cover?

What does Original Medicare Cover? Medicare can seem daunting at times and if you are approaching your 65th birthday, it can feel like you have a target on your back with all the solicitations that you are receiving from health insurance companies. Now that you are getting ready to take the

March 1, 2022
What should I consider when reviewing Medicare plans?

What should I consider when reviewing Medicare plans? Understanding the complexities of Medicare can be daunting and knowing when to start planning is crucial to avoid unnecessary costs. It is best to begin planning within six to twelve months of retirement. Below are the most important items that you should

January 1, 2022
Income & Medicare Premiums

IRMAA -for Medicare Beneficaries Medicare does not cost the same for everyone, and some individuals are subject to pay higher premiums due to their income. We will quickly break down what you need to know to avoid paying more for your Medicare benefits. IRMAA – Income Relation Monthly Adjustment Amount

November 5, 2021
Medicare & HSA

Medicare & HSA You made it! It may seem surreal that Medicare is finally approaching your doorstep and the discussions around the water cooler about Medicare with your colleagues are not getting you the answers you need. One thing to keep in mind is that Medicare is unique for everyone.

June 7, 2021
Josephine Testimonial

I am a high school teacher and mother of two daughters. I am writing to thank Tim Schatz for guiding me through the medical insurance process. Despite holding a master's degree and feeling competent about handling my own business, I have found working with medical insurance companies extremely difficult to