Munz-Hermes & Associates, Inc.

03/30/2026

This company has allowed my clients to pay for their Long Term Care in their own homes, Assisted Living Facilities or Nursing Homes for over 25 years without selling down their 401k, IRA or other assets. Contact me if you want to know how this can work for you.

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.