Tyler Ginther, Licensed Life & Health Insurance Advisor

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Clear Lake, IA
Tyler Ginther, Licensed Life & Health Insurance Advisor

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Partner and Broker at 3 Pillars Insurance Group. Licensed Advisor since 2009. In his free time, he enjoys the outdoors, golfing, thrifting, and repurposing.

Tyler is a Partner and a licensed life and health insurance advisor with 3 Pillars Insurance Group. Prior to forming 3 Pillars, Tyler was a Medicare Specialist for Humana for 10 years. Since earning his Life & Health Insurance license in 2009, Tyler has been assisting clients with education, enrollment, and customer service. Tyler lives in Clear Lake Iowa, along with his fiance, 11-year-old daughter, and boy/girl twins who were born in 2021. As an insurance advisor for over 14 years, Tyler contributes much of his success and value to truly believing in treating everyone he meets as a member of his own family.

10/30/2026

Your ability to earn an income can be one of the most important financial resources you have.

That income may cover housing, bills, education, debt payments, savings, and everyday expenses. So when thinking about financial protection, it's worth considering not just the things you own, but the income that helps support them. 💰

10/28/2026

These are two different ways of getting Medicare coverage, and understanding that difference matters. 🏥

Medigap policies are designed to help pay certain costs that Original Medicare doesn't cover. Medicare Advantage plans are offered by private Medicare-approved companies and provide Medicare-covered benefits through the plan.

They work differently, have different rules, and aren't interchangeable.

Before comparing them, make sure you understand which type of coverage you're actually considering. 📋

10/26/2026

Many modern health plans now include 24/7 access to telemedicine services. This means you can consult with a licensed provider for minor illnesses, rashes, or questions via video chat or phone without the trip to an urgent care clinic.

Check your plan’s app to see if you have access to these virtual services.

10/23/2026

Small expenses are easy to overlook. Bigger unexpected expenses can be a very different story. 💰

Thinking about where money would come from during a major financial disruption can reveal gaps in a household's financial plan.

The goal isn't to predict every possible situation. It's to understand your responsibilities and have a plan for them.

10/21/2026

These two numbers can both affect what you pay, but they serve different purposes. 💰

A deductible is generally the amount you pay for covered services before your plan begins paying its share for services subject to the deductible.

An out-of-pocket maximum is a limit on what you pay for covered services during a plan year, when the plan has one. The details depend on the type of Medicare coverage you have.

Knowing the difference can make comparing plans much easier. 🔍

10/19/2026

Life moves fast, and your health goals should move with it. Whether you are aiming to be more active, focus on mental health, or simply stay consistent with your routine, your choices matter.

Drop a comment. What’s one health goal you are prioritizing in the coming months?

10/16/2026

Life doesn't stay the same, and your insurance coverage shouldn't necessarily stay untouched either. 🔄

Marriage, having children, buying a home, changing careers, starting a business, or taking on new financial responsibilities can all be reasons to review your existing coverage.

A review doesn't automatically mean you need more insurance. It simply means checking whether your current plan still makes sense for your life today.

10/14/2026

Medicare comes with plenty of terminology that can make comparing plans feel more confusing than it needs to be. 🧩

Words like premium, deductible, copay, coinsurance, network, and formulary each have specific meanings. Understanding the basics can make it much easier to compare plans and ask better questions.

You don't need to memorize every Medicare term. You just need to understand the ones that affect your coverage and costs. 📚

10/12/2026

Myth: You only need insurance when you are sick.

Fact: Health insurance is designed to support your wellness even when you feel great. Coverage often includes annual exams, vaccinations, and screenings that keep you functioning at your best year-round, not just when an emergency arises.

10/09/2026

Having a policy is only part of the plan. Your loved ones should also know where important policy information can be found and who to contact if they ever need it. 📄

Take some time to organize your policy documents and make sure the relevant people know how to access the information.

Good financial planning isn't just about having protection. It's also about making that protection easier to use when it's needed. 🏠

Address

Clear Lake, IA
50428

Telephone

+16412081423

Website

http://www.3PillarsInsuranceGroup.com/

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