Altress Insurance Services for Seniors

09/07/2026

What is Infinite Banking, Really?

You've probably seen the commercials. A confident spokesperson explains how the wealthy use a little known strategy called infinite banking to grow money tax free, borrow from themselves, and never pay bank interest again.

08/31/2026

Why Does My Prescription Cost So Much? Decoding Drug Tiers and Coverage Rules

Opening a pharmacy receipt and seeing a number far higher than expected is one of the most common frustrations in health care today. Nearly 68% of Americans take at least one prescription medication daily, and rising drug costs mean many are paying more than they realize simply because they do not u...

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

Have you asked yourself where these strange text messages from random numbers are coming from? This podcast explores how scammers abroad are targeting seniors in the US.

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...

07/28/2026

It's about time we began to look outside the borders of our country to target scammers. Medicare scammers especially

The FBI in Boston announced that they shut down a call center operation in India after busting a major racket that involved perpetrators from the US, too. The call center operation defrauded hundreds of elderly victims in the US and elsewhere out of millions of dollars through tech support scams.

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.