When you sign up for a Medicare Advantage plan, odds are that your plan will either have no premium or a very low premium. How does the company afford to insure you if you aren’t paying very much to have the plan?

If you’re a snowbird on Medicare, there are a few things you need to know about how Medicare, Medigap plans, and Medicare Advantage work.

Do pre-existing conditions raise your rates? Can you be denied insurance coverage because of pre-existing conditions? Are pre-existing conditions not covered by insurance? All of your questions are answered inside.

You may have heard the phrase “Silver Sneakers” but do you know what it is? In short, it’s a fitness program that comes with many insurance plans. Does your insurance plan include it? Find out here.

If you’re a retired Caterpillar Union Worker (since 2005), you’ve gotten a letter in the mail about your health insurance changing. It can be confusing, and your options might be a little fuzzy. We’ve read the fine print and want to help you make the best financial decision you can.