No Nonsense Insurance & Retirement Associate

On this day 25 years ago, you left this place. I am so grateful for being there the last days and especially the last moments of your life. I’ll never forget it. You hung on for so long, but minutes after 2 phone calls, one with your mom, the other with your granddaughter, you were finally ready to go.
It’s extraordinarily hard to believe that when I wake up tomorrow I will have spent more time on this planet without you in my life than with you.
I certainly could’ve used your wisdom over the years. I thought I handled your death pretty well. Looking back, I did not. I did pretty much the opposite of what you had taught me. I thought I was letting you down with all my mistakes. It turns out, you were just teaching me from beyond. I’ve righted the ship the last 6 years or so but I still have a lot left to undo though. I’m not done, not even close.
I love you, Dad! ❤️❤️ You were Breeziest so*******ch I’ve ever known! THANK YOU for looking down on me and never giving up on me. You’ve always given me the strength to carry on even when I didn’t want to. Please do the same for Preston. We love you and I will carry on your memory with me and share it with him always.

THIS IS BONKERS!
Here is the range for 2026 ACA Marketplace coverage in Zip Code 66046. (Lawrence KS) for a couple who is 60 years old with an income of $85,000.
The CHEAPEST plan available is $1,902 per month! The most expensive, $3,620 per month! That’s INSANITY! Are we buying health insurance, or beach front property!?!?!
If you or someone you know needs alternatives, PLEASE comment, DM, text, or call me!
785-766-2974

With the Annual Election Period coming up next month , a lot of folks shoukd be reviewing their Medicare Advantage plans. When they review those this year, they will notice that their In Hospital Copays increasing. So in this edition of , I want to discuss Hospital Benefit (Indemnity) plans.

Why Pair a Hospital Indemnity Plan with Your Medicare Advantage Plan?

Medicare Advantage (MA) plans are a great way to bundle your Medicare benefits into one easy-to-manage plan, often with low monthly premiums. But what many people don’t realize is that MA plans typically require daily copays if you’re admitted to the hospital. Depending on how long you stay, these costs can add up quickly.
That’s where a hospital indemnity plan comes in. Think of it as a financial safety net. A hospital indemnity plan pays you a set cash benefit for each day you’re in the hospital. You can use this money however you need—whether it’s to cover your copays, pay for extra household help, or even keep up with everyday bills while you recover.
Three key reasons to consider pairing them:
1. Helps cover out-of-pocket costs that your Medicare Advantage plan doesn’t fully take care of.
2. Provides financial flexibility since benefits are paid directly to you, not the hospital.
3. Affordable peace of mind—the cost of a hospital indemnity plan is often much less than a single hospital stay copay.
If you are enrolled in a Medicare Advantage plan, adding hospital indemnity coverage can help you avoid unexpected financial strain and give you confidence that you’re truly covered.
If you think that a plan like this could benefit you, please let me know! In addition, if you don’t have someone who is knowledgeable about the changes coming to Medicare Advantage plans for 2026, let me be your guide! 785-766-2974