David Gebhardt

Have you ever been part of a conversation where someone says “Medicaid? Medicare? I never remember which is which!?” This exclamation is very popular. Many people get confused about Medicare vs Medicaid and sometimes even use the terms interchangeably. This is understandable because the terms do sound very similar. But if you have ever needed […]

Getting to the age of 65 and reaching eligibility to enroll in medicare is an adult milestone. One that may be positive or negative depending on how you view the aging process. You may be looking forward to enjoying the fruits of your labor by enrolling in medicare health insurance or you’re begrudgingly enrolling because

When you reach the age for Medicare eligibility, there are many decisions you must make for your insurance choice. Chiefly, whether to sign up with Original Medicare or a Medicare Advantage Plan. But understanding their differences can be quite tricky. On the surface, they may seem like the same thing, but each has significant differences

Are you unhappy with your current Medicare coverage? Or perhaps your preferred doctor is moving to a new practice, and you want to ensure you can still operate under his care? The good news is that if you are unhappy with your coverage or need to switch providers to stay in network with your preferred

Have you begun to look into your Medicare coverage options and discovered a vast number of options to choose from? Similarly, are you seeing the ocean of advice online and finding it difficult to wade through the good from the bad when picking your Medicare insurance plan? Don’t worry. You are not alone in this

Are you approaching the age of 65 and ready to start looking into your Medicare options? Or perhaps you are already signed up for a Medicare health plan, but you are unhappy with your current services and are looking for a plan that fits you better. In either case, you will find that it’s often

In the American health care system, health insurance is often provided by employers or purchased through private means. But what happens as you age and retire and no longer work? Are you expected to pay for health insurance out of pocket? If you worked in the American workforce for a certain period of time and

What type of Medicare plans are available? Why should I buy a Medicare Advantage plan as opposed to Original Medicare? What are Medicare Part C and Part D plans? If I enroll in Medicare, do I need anything else? These are all questions we frequently hear in Elk River, MN. Understanding the Medicare health insurance

Aging has its benefits. You carry more experience, you’re wiser, and you get a discount at your favorite breakfast spot. Another advantage is that you no longer have to get health insurance through an employer, which is great because you’ve worked hard and earned your retirement. Therefore, when you reach the age of 65, you