Medicare Tulsa

02/16/2026

Prescription Gotchas: Prior Authorization, Step Therapy, and Formulary Changes

You’ve been taking the same medication for years. Your doctor refills it. You head to the pharmacy only to hear: “It’s been denied.”

02/09/2026

The $0 Plan That Still Protects Your Family: Budget-Friendly Life Insurance Laddering

That’s the big idea behind laddering term life insurance: using multiple smaller policies with different expiration dates to match the timing of your real life financial obligations. It’s a strategy that can give you maximum protection now without overpaying for coverage you won’t need later.

02/02/2026

A Subtle Enrollment Trap: When a “Life Event” Doesn’t Count for a Special Enrollment Period

Timing is everything in the world of health insurance. Many people assume that certain big changes in life, like moving, changing jobs, getting married, or having a baby, automatically qualify them to make changes to their health insurance. But not every “life event” triggers a Special Enrollmen...

01/26/2026

Two Mistakes People Make When Choosing a Medicare Supplement—and How to Avoid Them

Choosing a Medicare Supplement (Medigap) plan is one of the most important decisions you’ll make as you enter retirement. These plans help cover costs that Original Medicare doesn’t, such as copayments, coinsurance, and deductibles. They offer peace of mind when it comes to managing healthcare e...

01/19/2026

Leave a Lasting Legacy: How Life Insurance Can Be a Powerful Charitable Gift

For many people, giving back is part of who they are. Whether it's your local church, a nonprofit you love, or a cause close to your heart, the desire to leave a legacy of generosity is strong. But how do you give in a way that makes a meaningful impact, without compromising your family’s financia...

01/12/2026

Private Health Insurance vs. Marketplace Plans: How to Know Which One Is Right for You

When shopping for health insurance, many people automatically turn to the ACA Marketplace (also called the exchange) without realizing that private, off-exchange health insurance plans may be a better fit, depending on their income, health needs, and future plans.

01/05/2026

Life Insurance Isn’t Just for Income Replacement—Here Are 7 Other Ways It Protects Your Family

When most people think of life insurance, they imagine it as a replacement for lost income, a safety net that helps the family keep the lights on if the breadwinner passes away. But the truth is, life insurance is far more versatile and can support your loved ones in ways you may not have considered...

12/29/2025

Why the End of the Year Is the Perfect Time to Review Your Life Insurance Coverage

As the calendar year winds down, most of us find ourselves reflecting on what’s changed in our lives. Our family, career, finances, and goals often shift as the new year begins. So it is the perfect moment to evaluate something often overlooked: your life insurance coverage.

12/22/2025

Health Insurance and Your Income Taxes

Health insurance is first and foremost a financial safety net. Yet, it can also play a meaningful role in lowering your tax bill. But the rules on what can and cannot be deducted aren’t always intuitive. In fact, the IRS code addressing health related expenses can be downright confusing. If you bu...

12/08/2025

What Are Accelerated Death Benefits in Life Insurance?

When most people think about life insurance, they think of a payout to their family after they pass away. But what if you could access a portion of your life insurance benefit while you’re still alive, during a time when you might need it most?

12/03/2025

Do you know its almost over?????? AEP is the time of year everyone on earth, on Medicare, can make choice for new year. Its from Oct 15- DEec 7 and takes effect January 1, 2026. If you need to reach out call 918)954-2039 and we can help you see your options! FINAL DAY is sunday! Ill be at wallmart on Hillside drive that day 9-4 but ill be there till no one needs me! call for an appt ASAP as slots be filling up!

12/01/2025

Why Dental Isn’t Covered by Health Insurance Plans (And Why That Matters)

When most people sign up for health insurance, they’re surprised, and often frustrated, to learn that dental coverage isn’t included. Despite the well-established connection between oral health and overall wellness, medical and dental insurance remain separate in the U.S. health system.