Mike Minogue

06/11/2026

It is worth being aware that the Medicare Supplement plans do pay out most of what you pay in premiums in climes. Last year at 85% is simply put for every dollar they received in preimum thay paid 85 cents in clames.

The 15 cents is what they use to cover all overhead including all other costs. For most individuals the amount they pay out is less than you pay in. For a few who have larger bills they pay out a lot more than the premium this is how insurance works.

I do encourage every one to take advantage of their coverage. Simply put your staying healthy is good for you and in the long term good for cost of insurance.

I will note that Medicare Fraud (false billing unnecessary testing overcharging...) costs everyone. If you have reason to think your provider is involved in fraud report it. Please look at the statements from Medicare and your insurance compay.

06/09/2026

In my reading I found this worth awareness. Like most of the people my age I am used to drinking from the garden hose or a outside tap.
I personally think that awareness will reduce (not eliminate) the use of water botttled water.

Body Wisdom
The Simplest Swap to Reduce Your Plastic Exposure
You reach for bottled water because it feels like the clean choice. A review in the Journal of Hazardous Materials, pooling 141 studies, suggests otherwise: people who rely on bottled water may take in up to 90,000 more plastic particles a year than tap drinkers, who ingest closer to 4,000. Columbia and Rutgers researchers counted as many as 400,000 particles per liter in common brands, many small enough to cross the blood-brain barrier. Human health data is still emerging, and nothing here proves harm. But the fix is unusually easy: make filtered tap water your default, and the single biggest source of your exposure largely disappears.

If you do grab a bottle, handling matters more than you'd think. Keep it out of hot cars and sunlight, open the cap once instead of fidgeting with it, and decant into glass or stainless steel. Small moves, measurably less plastic.

06/08/2026

Today I had some good luck,

In doing some needed driving to get blood work, pick up the plants for the back yard and stopping with my wife to have lunch the Battery/Alternator on my van died. It is an odd thing but with my Van low voltage apparently causes the Transmission to not work. I was able to limp home with a jump pack battery. The battery is now charging (hope it takes full charge) and I have set up to take the care to the repair shop in the morning.

How is this good luck? Simply put yesterday I drove to Indianapolis and back, with no difficulties. I could have gotten stranded anywhere along the road. I also need to go back to Indianapolis on Sunday for another meeting. So yes it happening today is “good luck”

It will likely cost me between 500 and a thousand dollars to repair, depending on if the battery is also dead. (I will note that car batteries do not last as long as they used to and do not take full discharge well). I work hard to keep money set aside for s**t that happens and will need to cut back on some things to repay myself. I resolved that Car difficulties are something that can (and does) happen to everyone. With 90 thousand miles on the alternator, it is not that abnormal to die.

I will note that years ago, and with simpler cars with more room under the hood, I would have fixed it myself.

05/07/2026

This morning I received a phone call from the mother of a child I worked with when I was a Case Manager for Child Services. To be clear. when I worked with this person, she was a Foster Parent, and the Child was a foster child.

I do remember this child. This child soon will be obtaining a doctoral degree; The Child will be working to improve lives of others with this degree.

Mom and the child are aware that some aspects of the trauma inflicted by the birth parents will be a part of their lives forever.

I am thankful for this call and the photos the mother promised to send. (I will not share for privacy).

Decades ago, I was an important part of the life of a number of children and difficult choices had to be made quickly. In every case I strived to find ways to bring the family back together but often the parents would not make needed changes and after 15 months the law reqires to fille termination of paternal rights. Then seekign to find an adoptive home.

I will say that I am proud of the work I did for 12 years of my life. Sadly this included being a witness a lot of very ugly things done by family to their children.

I thank this former foster parent for the call and will admit to taking a small amount of personal pride, in the hard work required by this child to make this wonderful achievement in their life.

03/21/2026

Understanding Scam Calls and Making Informed Insurance Choices
Be Alert to Scam Calls
It is important to stay vigilant regarding scam calls related to Medicare, final expense, and car warranty offers. These calls are attempt to lure you with misleading information.
Origin and Tactics of Scam Calls
Many of these calls originate from overseas call centers. They exploit loopholes to avoid accountability for violating the Do Not Call lists and other regulations intended to protect consumers from unsolicited calls. These callers frequently use half-truths to entice people, such as mentioning a "New Medicare Benefit," promising comprehensive coverage for car repairs, or advertising "Immediate coverage life insurance with no health questions."
The Reality Behind the Offers
The products and policies promoted through these calls are often complex and come with significant restrictions on their benefits. Having reviewed the full outlines of coverage for all Medicare Advantage (Part C) insurance plans available in Northwest Indiana, I can attest to the importance of understanding these details. I typically recommend specific plans only after carefully considering an individual’s circumstances—such as their preferred doctors, hospitals, and medications—and discussing the available choices. There is no single "best" plan for everyone; instead, I strive to narrow down the options to a few suitable plans for comparison, ensuring recommendations are tailored to each person’s unique needs.
Guidance for Insurance Decisions
My advice is to avoid doing business with anyone who contacts you without your explicit request. Whenever possible, work with professionals who have a local office where you can meet in person. Always inquire about the drawbacks of any policy before making a choice.
Mike
Http.www.Minogue.Life

01/24/2026

Just a reminder, If you are surprised to find out your current Medicare Advantage Plan (part C) ended on 12/31 you have an special entitlement opportunity in January or February (new plan starts 2/1 or 3/1)

I also encourage people to do a no cost review of their current coverage (foe people i. Indiana or Illinois) at my Merrillville IN office or by phone. It is a good thing to know and take advantage of all your benefits.

Mike Minogue

With my extensive experience since 2008 in life and health insurance, I am dedicated to expertly guiding you through the complexities of Medicare, Medicaid, and Life Insurance, ensuring personalized and effective solutions for all your needs.

10/14/2025

What to Do If Your Medicare Advantage Plan Is Discontinued
Understanding Medicare Advantage Plan Discontinuation
Many individuals are currently receiving notifications indicating that their Medicare Advantage plan will end on January 1, 2026. It is crucial to understand what this change means and how to respond appropriately.
Automatic Reversion to Original Medicare
If you take no action, your coverage will automatically revert to Medicare Parts A and B only. This means you will lose your prescription drug coverage and become responsible for all copayments required by Medicare.
Options Available Before the Effective Date
Fortunately, you have the opportunity to select a new Medicare Advantage plan, or a Supplemental plan, with a Part D Prescription Drug plan before January 1, 2026. During this period, you will not be subject to health questions, aside from whether you smoke.
Importance of Consulting a Local Agent
It is highly recommended to schedule an in-person appointment with a local insurance agent. An agent can help you find a plan for the coming year that fits your individual needs and situation.
Making an Informed Choice
Remember, there is no single plan that is best for everyone. It is important to take the time to understand your options and ensure the plan you choose aligns with your personal circumstances.
Mike Minogue CSA
219-614-0498

With my extensive experience since 2008 in life and health insurance, I am dedicated to expertly guiding you through the complexities of Medicare, Medicaid, and Life Insurance, ensuring personalized and effective solutions for all your needs.

10/10/2025

Food as Medicine: My Personal Journey
Disclaimer
I want to be clear that I am not a health care provider. Before making any changes to your diet, lifestyle, or exercise routine, I strongly encourage you to consult with your doctors. Their guidance is essential for safe and effective decision-making.
The Importance of Dietary Choices
Recently, I have read several articles emphasizing the significance of both what we eat and how we eat. One article suggested that doctors should prescribe dietary changes with the same seriousness as they prescribe medications. In other words, doctors should be direct and instruct us to “eat more of this and less of that.” Not just tell your to loose weight.
Struggles with Weight Management
For most of my life, I have struggled with excess weight. During visits to the doctor, I was often told simply to lose weight. To be honest, this advice did not help me; I was already aware of the need to lose weight but lacked practical guidance on how to do so. Advice such as “just eat less or better and exercise” can sound simple but implementing it is much more difficult.
The Diet Industry and Personal Experience
The diet industry is huge, offering products labeled as “fat-free,” “sugar-free,” or “low-calorie.” Personally, I have not found these options effective in helping me lose substantial weight. My turning point came when I read about “intermittent fasting.” After discussing the idea with my doctor, I decided to give it a try.
Positive Changes and Results
With the changes I made, I have lost over 80 pounds in about 19 months. I feel better physically and have had to replace all my pants. For me, the key was being able to choose not to eat for a set period, rather than trying to simply eat less. I also started making healthier food choices, such as eliminating almost all alcohol and soda, and avoiding sweetened foods and candy.
Embracing Physical Activity
Inspired by my weight loss, I purchased a Lectric E-bike in the spring. (I recommend this brand.) Even though I had three minor surgeries that kept me from riding for weeks at a time, I have ridden just over 300 miles. I consulted my doctor before starting this activity. The rides provide a stable experience; a 20-mile trip gets my heart rate up for about an hour and a half, and it is a lot of fun. Importantly, I do not return home hot and sweaty, and my joints do not ache as they would if I went for a run.
Preparing for Seasonal Changes
With winter approaching, I plan to switch to swimming at my local YMCA, since I find treadmills and stationary bikes boring. To extend my biking season, I have ordered gloves with full fingers.
Final Thoughts and Advice
These changes have worked for me, and I feel and look better as a result. My only advice is to talk to your doctor about the different things you can and should be doing. Ask questions—for example, “Would X be good for me?”—to get tailored guidance for your health journey.

Mike Mingoue CSA 219-614-0498 Minogue.Life

The Society of Certified Senior Advisors provides virtual & in-person education classes plus certification for professionals who work with older adults.

10/09/2025

Understanding Types of Life Insurance
Common Misconceptions About Life Insurance Costs
Many people mistakenly believe that life insurance is more expensive than it actually is. It's important to understand the various types available and their unique features to make an informed decision.
Annual Renewable Term Insurance (ART)
Annual Renewable Term Insurance is commonly offered by employers, often through payroll deduction. Employers may cover a fixed amount or a percentage of an employee’s income, with employees having the option to purchase additional coverage. This insurance is typically priced at a “standard” rate and may be available with guaranteed issue—meaning few or no medical questions—if purchased when first offered or during open enrollment periods.
It’s crucial to note that this coverage usually ends when your employment does, unless there is an option to convert to whole life insurance. However, conversion comes with much higher premiums, and it is rare for individuals to take advantage of this option. Costs for ART are based on age and gender and generally increase every one to five years. Coverage may end or be reduced by half at a predetermined age.
Level Term Insurance (LTI)
Level Term Insurance provides a flat monthly or annual premium for a set period, such as 5, 10, or up to 35 years. This is often the most affordable type of insurance when considering the cost per $1,000 of death benefit. Rates can vary and may include different grades such as super premium, premium, standard, and other risk categories.
Many level term policies offer the option to convert to whole life insurance at the original rating for most of the policy’s duration. This makes level term insurance a practical and affordable choice for those seeking to replace income in the event of their death, ensuring financial stability for spouses or children.
Universal Life (UL) and Variable Universal Life (VUL)
Universal Life and Variable Universal Life policies combine annual renewable term insurance with a savings or investment account. Premiums paid are typically higher than the cost of the term insurance, with the excess funds directed into a savings or investment account that grows overtime and earns interest.
If these policies are properly funded, or if extra payments are made, lifelong coverage can be assured. Policyholders may benefit from options such as taking out loans or skipping payments in emergencies. These products are sometimes recommended for tax-free or tax-deferred savings. However, exceeding payment limits set by the federal government can result in the policy becoming a Modified Endowment Contract, which reduces tax benefits.
It is essential to periodically review these contracts and examine policy illustrations to ensure that sufficient premiums are being paid, as the cost of insurance increases over time. When properly funded, UL and VUL can be a flexible and affordable option
Whole Life Insurance (WL)
Whole Life Insurance features a fixed premium for a set period or for life. Policyholders may receive dividends based on the insurance company’s performance, which can be used to purchase additional insurance or paid back to the contract owner.
Single Premium Whole Life is a variant where one lump-sum payment secures lifetime coverage, often growing through dividends. This is commonly used for gifting life insurance to a young child or pre-paying funeral expenses.
Traditional WL can be paid for life or for a fixed number of years. This is a good type of contract to have for coverage you would want to continue well into retirement or to plan for estate transfer.
Final expense insurance, a type of whole life policy, is frequently sold as “simplified issue” or “guaranteed issue.” It’s important to note that these contracts typically pay only a 105% reimbursement of premiums in the first two or three years. Beneficiaries receive more than paid in, but not the full benefit if the insured dies of natural causes within that initial period.
Additional Variables and Considerations
Other policy variables include options like “return of premium” or decreasing term mortgage insurance, but these features generally fall under one of the major categories described above.
When purchasing life insurance, focus on your specific needs and budget. The amount of coverage should provide adequate protection while remaining affordable. Life insurance should be part of an estate plan if others depend on you financially.
Choosing the Right Life Insurance
The best type of life insurance is the policy that remains in force when you die. Because each person’s situation is unique, the type and amount of insurance needed will vary. Remember, if your health changes, obtaining coverage may become difficult or more expensive. If you have dependents, do not delay securing life insurance.

Mike Minogue CSA WWW.CSA.US WWW.Minogue.Life

With my extensive experience since 2008 in life and health insurance, I am dedicated to expertly guiding you through the complexities of Medicare, Medicaid, and Life Insurance, ensuring personalized and effective solutions for all your needs.

10/08/2025

The Importance of Self-Care and Enjoyment in Daily Life
Lessons from Everyday Safety Practices
Whenever you travel by commercial airplane, you are reminded of the importance of self-care through the safety presentation. In the event of an emergency, oxygen masks drop from the ceiling, and passengers are instructed to secure their own mask before assisting others. Without oxygen, you would lose consciousness and be unable to help anyone, including yourself. This scenario serves as a valuable life lesson: taking care of yourself is essential for being able to support others.
Benefits of Daily Self-Care
Making time for activities you enjoy every day is a vital part of self-care. Research shows that people who get enough rest and regularly do things for themselves tend to be more productive at work. As the saying goes, “If you work your fingers to the bone, what do you get? Boney fingers?” This highlights the futility of overworking without taking time for personal satisfaction.
Finding Joy in Simple Activities
Finding enjoyable activities that fit your budget and schedule is possible. Many pleasures—such as walking barefoot in the grass or sitting outside with a cup of coffee alongside your spouse—are low-cost or even free. These small moments of joy contribute to a healthier, more fulfilling life.
Finding Joy in Work, Activities
Finding ways to enjoy work activities can be as simple as changing the task in your mind. I choose to cut the yard myself as time to relax and not think about much. I took on responsibility as a member of the Lions Club to do “good work”. I personally enjoy most of the responsibilities of my “job”. I honestly look forward to meeting with my clients.
I take time to get out and do something just for fun, I go for an E-Bike ride several times a week (weather permitting) and will be going to the YMCA to go swimming this winter. I will note that some things I enjoy others would find boring or work.
Finding Joy in social Activities
Getting out is important, go out and listen to a band, (yes you will spend some money) but you can have a nice dinner or drink with others. It is a good way to casually meet some new people. You can go to a faith service, volunteer with a civic group or charity events. Go out on a date. (Yes, you can date your spouse) or just have fun at home some afternoon.