Munz-Hermes & Associates, Inc.

08/12/2021

Our next Medicare 101 Seminar is in two weeks at the Bloomington Public Library.

01/22/2021

When signing up for life insurance, you will name a primary beneficiary. This can be one person or multiple people and you can decide what percentage goes to each person on that form.

01/20/2021

2020 has finally come to an end. Here is some great news to get your new year started: Anyone who currently has a Medicare Supplement that has become too expensive, can shop for a different Medicare Supplement all 12 months of the year. This is just one of the many benefits offered here at Munz-Hermes & Associates, Inc. To learn more, visit

Call Munz-Hermes & Associates, Inc. in Bloomington, IL for more information on Medicare benefits today 309-222-2344.

01/15/2021

Do you use toothpicks? Dental experts say that’s not a good idea because of the risk of damaging your teeth or gums. Instead rely on dental floss to supplement brushing. The same goes for chewing on pens and pencils. Stop it.

01/08/2021

A good dental insurance plan should cover 50% of more major procedures which include crowns, bridges, implants, and dentures. This also includes 50% of orthodontic treatment, or braces, up to about $2,500.

01/01/2021

Did you know that roughly one in four 20 year olds today will become disabled by age 65? This is why disability insurance is so important to have even though even though not many people have it.

12/25/2020

How much time do you spend brushing your teeth? The average person spends between 45 and 70 seconds daily. Care to guess how much time the experts believe you should be spending brushing your pearly whites? If you guessed between 120 and 180 seconds (2 to 3 minutes), you're right.

12/18/2020

It has been estimated that just under two-thirds of Americans have dental benefits. Nine of 10 people get their coverage from private plans offered at work or through groups like the AARP. Another 7 percent purchase individual coverage.

12/11/2020

Dental insurance yearly caps, between $1,000 and $1,500, do not roll over to the next year if they are not used. This means that if you know you need some dental work, you should get it done that year and not wait. This could cause the cost and need for procedures to add up and you will be left paying the difference.

09/07/2020

Dental care spending in the United States is estimated at $161.4 billion annually and dental service expenses are expected to increase annually by 5.4%. With costs continuing to increase, do you have a dental insurance plan to help cover these expenses?

09/03/2020

If the need for long-term care lasts more than a year, the average time after that is almost 4 years of care. 50% of long-term care claims last more than 1 year, so the probability that you or a loved one needs care for longer than a year is extremely high.

09/01/2020

What does HMO stand for? Health Maintenance Organizations. This type of insurance plan offers a network of primary care physicians and doctors to choose from – plus reduced premium costs and little to no deductible costs.