Doug Thomas-Insurance Broker

03/18/2023

Below is a price list of Medicare Supplement plans from a single company. And, while prices vary from company to company, we will use this example on an upcoming post where I “Do The Math” on Medicare Supplements vs Medicare Advantage. Stay Tuned!

03/15/2023

This handy little chart below is a summary of all the Medicare Supplement plans available to people with Original Medicare. As you will notice, there is a lot of alphabet soup going on! Excellent idea by someone to assign alphabet characters to available plans for purchase while also using the same characters assigned to parts of Medicare.

This is why I have a job! As long as it remains this complicated there will always be a need for someone like me to explain it.

03/13/2023

Medicare 101…. Take a peak at this simple but useful graphic which explains the most basic elements of Medicare. It describes what Part A and Part B are and also what options you have once you obtain Medicare.

Stay tuned for my next post where I dive into what a Medicare Supplement IS and what it IS NOT.

02/27/2023

I will be doing a series of posts on the benefits of Medicare Advantage plans vs. Medicare Supplement plans in the coming weeks. Not surprisingly, these are going to focus on how much money you can save on a Medicare Advantage plan and also tips on how to maximize the surplus of free benefits that come along with them.

02/10/2023

It’s not just you… It’s everyone.

If you opened your home insurance bill recently and noticed it’s significantly higher, you’re not alone. In fact, homeowners across the nation are facing rising home insurance bills regardless of their insurance company. The good news is this is happening to make sure you have enough coverage. W...

02/07/2023

A big shout out and thank you to all of my Medicare clients! One thing that never gets old is the look on my client’s faces when I show them how much money they will save enrolling in a Medicare Advantage plan. Whether they are switching from a Medicare Supplement or are just getting Medicare for the first time and finally get to shed the weight of their health insurance premiums, THEY ALWAYS WIN!

02/05/2023

There is another side of this coin however. Is there enough coverage on your home? Do you have enough coverage in place in case the worst happens. May not be a cheaper policy, but we can help you sleep better at night.

As long as you own a home, homeowners insurance doesn’t go away. What’s worse is that insurance premiums have the tendency to increase over the years. Whether you are shopping for homeowners insurance for your […]

02/03/2023

Ugh! I am feeling this right now! Raise you hand if adding a new teenage driver doubled your auto insurance premiums!

So, your teen is ready to get their license. It’s an exciting time for them! And maybe for you too, although you may have a number of concerns when it comes to adding a less […]

01/30/2023

Something to consider if you are thinking of buying a Kia or Hyundai!

Two major insurance companies will not issue policies to new customers who own a Kia or Hyundai, KSDK was able to confirm. It's all based on where the customer lives and the make and model of their vehicle.

01/20/2023

Small businesses are the backbone of our economy! I have been a small business owner for almost 20 years as an independent insurance broker and also a restaurant owner. If you are a small business owner or are thinking of becoming one, please read this then call me! (573) 579-1862

01/18/2023

This is a photo of my family and I on a recent vacation. While we enjoyed ourselves immensely, the thought of my family being able to continue to share in these wonderful opportunities IF I were to die crossed my mind. (Life Insurance Alert!). Not just vacations obviously, but also will my wife have to sell our home and downsize? Will she be stuck with any debt I have left behind? Will she have to rethink our children’s education plans? Fortunately for her, I purchased life insurance on myself years ago. And when I chose how much and for how long the policy should last, I took all those circumstances into consideration and PLANNED for them to be taken care of. My children will have a college fund. All of our debt, including our home, auto, and personal will be paid off. AND, should they choose, they could continue to enjoy vacations such as this one. Fellas, it isn’t that difficult! DO NOT rely on a life insurance policy through an employer! BUY YOUR OWN!!! CALL ME!!! 573-579-1862

01/17/2023

Do you fully understand replacement cost on your homeowner’s policy? Do you have enough? Good insights in this article.

If disaster strikes, you'll want enough homeowners insurance to rebuild the structure of your home, to help replace your belongings, to defray costs if you're unable to live in your home and to protect your financial assets in the event of liability to others. Use these guidelines to help determine....