Mike Minogue

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.

10/04/2025

Everyone needs to “go fishing”
Everyone needs to find ways to relax and recharge. For many, fishing provides this opportunity. People who love fishing will find any excuse or time to go, not just for the fish, but for the benefits they receive from the experience.
Consider what’s involved in a fishing trip: you step outside, walk to a body of water, and set up a comfortable spot. After casting your line, you simply sit or stand and do nothing—there’s no TV, radio, internet, phone, and often, no talking. This is an activity that anyone can do. There is no need for special equipment, permits, or licenses—just make the time and go outside. Find a place where you can sit quietly, be still, observe, and enjoy the world around you. You can start small by just stepping out your back door.
Over time, your “fishing trips” may become more involved. You might take off your shoes and socks to feel the grass, drive to a park to watch a sunrise or sunset or bring a picnic meal to simply relax and enjoy your surroundings.
Please note if you choose to bring any fishing equipment you do need to get the permit or license.

Mike Minogue CSA
Certified Senior Advisor
219-614-0498
WW.CSA.US

10/04/2025

Why Completing a Medicare Review During Open Enrollment Is Essential
The Importance of Annual Medicare Review
Every year, Medicare Advantage (Part C) and Medicare Drug plans (Part D) implement changes that become effective on January 1st. Nearly everyone enrolled in these plans will receive an “Annual Notice of Change” letter from their insurance company. This letter outlines updates on a variety of important aspects, such as premiums, deductibles, copay amounts, and other benefits.
Understanding Plan Changes
This year brings significant adjustments, including the discontinuation of certain plans in specific areas. Therefore, it is crucial to carefully review these changes to understand how they may impact your individual coverage. For some, this may mean selecting a new plan that better meets their needs.
Seeking Expert Guidance
To navigate these changes, it is highly recommended to schedule an in-person appointment with a qualified insurance agent. Such a professional can help ensure that you fully understand your options. It is important to note that there is no universal “best plan.” However, some plans may not suit your personal circumstances. A “bad plan” might be one in which your preferred doctors or hospitals are not in network, or your necessary medications are not included in the formulary. I encourage you to bring a fried or family member with you to any visit in my office
The Value of an In-Person Office Visit
Meeting in person at the office allows you to obtain copies of plan information for further review. You should feel comfortable taking the time you need to make an informed decision, understanding why a particular plan may be a good fit for your unique concerns and needs.
Contact Information
I am a Certified Senior Advisor (WWW,CSA.US) with an office in Merrillville, Indiana. To set up an appointment, please call 219-614-0498 or email [email protected]. If it is because of health or lack of transportation I can-do in-home visits on request.
Mike Minouge CSA

09/29/2025

Recognizing and Responding to New Scam Tactics
Emerging Scam Methods,
Scammers are constantly inventing new approaches to trick individuals into sharing their personal information. Recently, I experienced two different attempts that demonstrate how these fraudulent tactics are evolving.
Example 1: Fake “T-Mobile” Call,
Yesterday, I received a phone call from someone claiming to be from “T-Mobil.” The caller asked if I had experienced any service interruptions over the past month—a question that almost anyone could answer affirmatively, since occasional bad calls are common. What was most surprising was how accurately the caller recited some of my personal information, which made the conversation seem legitimate. The caller then offered me a 35% discount on my bill.
Sensing something was off, I ended the call and contacted T-Mobil directly to confirm its authenticity. The company verified that the call was a fraudulent attempt to obtain my information and PIN codes.
Example 2: Comcast Discount,
Today, I received a voicemail about a discount on my Comcast bill. In the message, I was asked to call back using the phone number shown on my caller ID and provide a special code in order to continue receiving the discount. The fact that I was being told to call a specific number, rather than Comcast’s official number, was a clear indication that this was another scam.
Advice for Protecting Yourself
I am confident that scammers will keep changing their tactics. The best course of action is simple: Do not trust people who call you if you do not know them. Scammers may identify themselves as employees of reputable companies, such as your insurance agent, in order to gain your trust. If their intentions are legitimate, they should encourage you to verify their identity by calling a number you know belongs to the company.
Sincerely, Mike Minouge, CSA

09/24/2025

Why the phone calls and advertisements will not stop.
Like me you are likely receiving phone calls and advertisements regarding "new" Medicare benefits, such as offers for "food cards." You have likely noticed a similar increase in these marketing tactics. It is important to understand the intent behind these communications.
The True Product is: Your Personal Information
These companies are not actually offering new Medicare products. Instead, their primary goal is to obtain your name and phone number. By responding to these advertisements, you are giving implied permission for them to contact you. Once they have your information, it is often sold to individuals—such as call center representatives—who will attempt to gather enough details to change your current Medicare plan.
It is crucial to never share your Social Security number, date of birth, Medicare number, or Medicaid number with these callers. With this sensitive information, they can claim you have requested to switch your current Medicare plan, whether it is a Supplement (Part D) or Advantage (Part C) plan.
Annual Medicare Plan Changes
It is important to note that all Medicare plans will be changing in 2026. This is a routine occurrence each year. Supplement plans will automatically adjust, Part D plans will see changes in premiums, formulary, deductibles, and co-pays, and Advantage plans will have updates to networks, formularies, deductibles, co-pays, premiums, as well as their “extra benefits.”
Recommended Actions for Medicare Beneficiaries
Given the numerous changes this year, I strongly recommend that everyone takes time to have an in-person review of their current plan and the upcoming changes for next year. During this review, you will have the opportunity to:
1. Keep your current plan.
2. Explore other available plans in your area.
3. Select a new plan for 2026, if appropriate.
Timeline and Enrollment Rules
Please keep in mind that every plan will have changes for the new year. I am currently attending meetings and online reviews to learn about these updates. However, there are strict rules regarding the disclosure and enrollment process:
• I am not allowed to discuss plan changes until after October 1st, 2025.
• I cannot change or enroll anyone in a January 2026 plan until or after October 15th, 2025.
• The Annual Enrollment period runs from October 15th through December 7th, 2025.
Thanks

Michael J Minouge, Certified Senior Advisor
Please note If you want to set up an in person review of your current coverage at my Merrillville Indiana office please give me a call 219-614-0498 or send me an email at [email protected] You can also check out my webpage at Minogue.Life