Brooks, Todd & McNeil Agency Blog
Rethinking Risk: Why Higher Liability Limits Matter More Than Ever in Today’s Business Climate
Most days begin like any other — until they become moments you'll never forget. A customer slips, a delivery van collides with another vehicle, or a routine project goes awry. Suddenly, you are confronted with a lawsuit, medical bills, or settlement demands far exceeding your standard insurance policy limits. In...
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Medicare Advantage enrollment is increasing across the country, and it could skyrocket to new record highs. The Medicare program has expanded beyond what the government offered several decades ago. Among other changes, the Medicare Advantage option became a possibility in 2003, after former President Bill Clinton signed Medicare+Choice into law…
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Preparing your home for fall is essential to avoid issues that could develop down the line in the colder months. Dropping temperatures signal a busy time for businesses as customers gear up for the holidays, but they can also bring trouble on the home front. Fall is the perfect time…
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Bombarded by Medicare information? Don’t let Medicare mail fool you. As we approach Medicare’s Annual Enrollment Period, Medicare-eligibles will start to receive a lot of information about Medicare and their medical insurance options (hospital insurance, medical insurance, drug coverage), especially through brochures and mailers advertising the best Medicare Advantage plans…
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Medicare Advantage is an essential resource and a valuable supplement for its over 26 million enrollees that use it in their plan. The private insurance supplement should complement insureds’ existing coverage under Medicare and offer additional benefits such as prescription drugs, vision services, and dental visits. With the cost of Medicare rising and…
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Knowing how to fight against ransomware is essential to protect your business from irreversible harm is critical. Businesses have become popular targets for cyber attacks. Ransomware is a common malware that prevents people from accessing their files or computer systems. The criminals then demand payment of a ransom under the…
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Don’t worry, you still have options. If you are eligible for the federal Medicare program, the Medicare Annual Enrollment Period (AEP) allows you the opportunity each year to enroll in a new plan or switch plans. The Annual Enrollment Period runs from October 15th to December 7th and allows 7…
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Working Past Age 65? Even if you are still working and covered by your employer plan, you are first eligible for Medicare during what’s called your Initial Enrollment Period (IEP). The IEP begins 3 months before the month of your 65th birthday and ends 3 months after the month of…
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The Basic Parts of Medicare (Parts A, B, C and D) There are four parts of Medicare. You have likely heard about Original, or Traditional, Medicare, offered by the federal government, which most United States citizens are eligible for at the age of 65. Original Medicare covers Part A and…
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Medicare prescription drug average is likely to fall by the time 2023 comes around, creating some options for patients. Medicare is national health insurance run by the government. The original plan, known as Part A and Part B, does not cover all medical services, treatments, or expenses. Many individuals purchase…
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