Tim Croteau Insurance Planning

08/27/2026

Did you know many Medicare Advantage plans include extra benefits like dental, vision, and fitness programs?
Review what’s available in your area to see which benefits could make a difference for you.

(435) 691-4262 https://www.timcroteau.com

08/24/2026

Medigap vs. Medicare Advantage: Which Path Is Right for You?

Approaching Medicare eligibility brings an important decision that surprises many people. Original Medicare alone does not cover everything. So, once you enroll, you will likely need to choose between two very different paths for filling the gaps: Medigap or Medicare Advantage.

08/17/2026

Short-Term Health Insurance: Affordable Stopgap or Risky Gamble?

Losing job-based coverage or aging off a parent's health insurance plan can leave you scrambling for something, anything, to bridge the gap. Short-term health insurance often shows up first in search results, promising low premiums and fast approval. But before you sign up, it is worth understanding...

08/10/2026

Can Skydivers Get Life Insurance? Reasons Your Life Insurance Claim Could Be Denied (and How to Avoid Them)

Extreme sports and life insurance might sound like an unlikely pair, but the truth is that skydivers, pilots, and other thrill seekers can absolutely get coverage. The bigger question is not whether risky hobbies disqualify you; it is whether you provide accurate information when you apply.

08/03/2026

Mental Health Parity Laws: What Your Insurance Must Cover

If you have ever been denied coverage for therapy, inpatient treatment, or a substance use program, you are not alone, and you may have more rights than you realize. Federal law actually requires most health plans to treat mental health care the same way they treat a broken arm or surgery. Understan...

07/27/2026

Medicare and Employer Coverage: What Retirees Need to Know

Retiring doesn't mean your health insurance questions retire as well. If you are leaving a job with employer-sponsored coverage and stepping into Medicare, the rules about who pays first and when to enroll can feel like a pop quiz you didn't study for. Here is a summary.

07/20/2026

Navigating Health Insurance After a Job Loss: Finding Coverage Fast

Losing a job is stressful enough without having to figure out health insurance on a deadline. The good news is you have more options than you might think, and knowing how they compare can help you choose coverage quickly without overpaying or leaving gaps.

07/13/2026

The Stay-at-Home Parent's Case for Life Insurance

For twelve years, my husband ran our household while I worked full-time. People used to ask if he had a "real job." I want to answer that question now, because I never got the chance to answer it for him. He passed away suddenly, eight months ago, and in the silence afterward I discovered just how m...

07/13/2026

Filing a Claim vs. Paying Out of Pocket: How to Decide

When something goes wrong at home, your first instinct might be to call your insurance company. But before you pick up the phone, it is worth asking a simple question:

07/06/2026

The True Cost of Being Uninsured in the U.S.

If you are young, relatively healthy, and rarely visit the doctor, going without health insurance can feel like a smart financial move. But be warned: the numbers behind that decision tell a very different story.