Beau Mikel - Professional Insurance Services

10/25/2025

Medicare Made Simple — Local, Trusted, and Here to Help! 💙
☎ Call us today at 701-224-9945 — and remember, all our services are completely free!

05/14/2025

Are you or someone you know turning 65 this year or next?

Medicare can be very confusing. Let me help break it down for you.

07/12/2024

Today I am hosting another Medicare Made Easy seminar! I'd like to thank Dow Rummel Village for allowing me to host!

Medicare is a tricky topic and most of the plan's benefits change yearly 😮‍💨. The seminars are strictly educational, so I may not discuss plan specifics or name any specific companies. But, if you wish to use me as a resource, I will gladly set up a one on one meeting to dive deeper into your Medicare options. Again, my services are completely free and I review your coverage every year!

Be on the lookout for a seminar near your town! And come grab some coffee and cookies while you learn 😋

Next seminar will be in Brookings, SD on Wednesday, August 7th. More to come!

Have a good weekend!

06/25/2024

Today's topic, Medicare Part D, Prescription Drug Coverage!

Prescription drug plans are offered through private insurance companies and are optional. However, if you choose not to take a Part D plan, you may be penalized later on in life, when you finally do choose a Part D plan. This penalty remains in force for as long as you have coverage.

When enrolled into a Part D plan, you'll be responsible for deductibles, coinsurance and co-pays based on the tier of your prescriptions. Drug tiers are often times set up as follows:
Tier 1: Preferred Generics
Tier 2: Generics
Tier 3: Preferred Brands
Tier 4: Brands
Tier 5: Specialty

Most Prescription Drug Plans have 4 phases or stages:
- Deductible Phase, Initial Coverage Phase, Coverage Gap (Donut Hole), and Catastrophic Coverage.

Note! Most Medicare Advantage (Part C) plans have drug coverage attached. So, you don't need to purchase a separate drug plan! Also, if you are a veteran or your spouse is a veteran, it's possible you can receive your prescriptions from the VA clinic or through TRICARE for Life and not need to purchase a Part D plan.

IMPORTANT! Medicare is a complicated topic and everyone's situation is different. For more information, please call me at 605-799-0003 to set up a FREE consultation.

06/17/2024

Medicare Part C (Medicare Advantage)!

IMPORTANT! Medicare is a complicated topic and everyone's situation is different. For more information, please call me at 605-799-0003 to set up a FREE consultation.

- Medicare Advantage is a Medicare-approved plan from a private company that offers an alternative to Original Medicare for your health and drug coverage. These “bundled” plans include Part A, Part B, and usually Part D.
- In most cases, you’ll need to use doctors who are in the plan’s network.
- Plans may have lower out-of-pocket costs than Original Medicare.
- Plans may offer some extra benefits that Original Medicare doesn’t cover — like vision, hearing, dental services, gym passes and over-the-counter benefits.
- Many Medicare Advantage (Part C) plans have as low as zero premiums.

Sources: medicare.gov

06/10/2024

Next on our journey through Medicare education, Medicare Part B (Medical Coverage)!

Medicare Part B has a monthly premium and changes every year. In 2024, the standard monthly premium for Part B is $174.70. Based on income, some individuals may pay a higher amount (Social Security will inform you). If you qualify for the Medicare Savings Program, or Medicaid, it's possible your Part B premiums could be paid for by the state.

Here is a list of some services covered under Part B:
-Doctors visits (Primary and Specialists)
-Surgeries
-X-Rays, MRIs, CT Scans
-Labs
-Ambulance Services
-Durable Medical Equipment

IMPORTANT! Medicare is a complicated topic and everyone's situation is different. For more information, please call me at 605-799-0003 to set up a FREE consultation.

Sources: medicare.gov and cms.gov

06/03/2024

Medicare Part A (Hospital Coverage)

Most people get Part A premium free and some may have to pay a premium. If an individual or his/her spouse has worked and paid into Medicare taxes for 40 quarters or 10 years, they will receive Part A of Medicare premium free.

In general, Part A covers:
- Inpatient care in a hospital
- Skilled nursing facility care
- Nusring home care (inpatient care in a skilled nursing facility that's not custodial or long-term care)
- Hospice care, and
- Home health care

IMPORTANT! Medicare is a complicated topic and everyone's situation is different. For more information, please call me at 605-799-0003 to set up a FREE consultation.

Sources: medicare.gov and cms.gov

05/30/2024

Lets discuss Medicare!

IMPORTANT:
Medicare is a complicated topic and everyone's situation is different. For more information, please call me at 605-799-0003 to set up a FREE consultation.

Medicare is a federal health insurance for people age 65 and older, and under age 65 on Social Security Disability Income (SSDI) for 24 months or longer or earlier if diagnosed with certain diseases including End-Stage Renal Disease (ESRD) and Lou Gehrig's Disease (Amyotrophic Lateral Sclerosis or ALS).

Over the next couple days I will break down Medicare into its four main parts; Part A, Part B, Part C and Part D. I will talk about Medicare Supplements, also known as, Medigap and lastly, I'll introduce you to Cost plans, which is a third option available to supplementing your Original Medicare. Next stop, "Part A".

05/21/2024

May is Mental Health Awareness Month!

Make sure you and your loved ones are working on your mental and emotional health! Here are a few tips to improve your mental health.

1. Connect regularly with family and friends! Ask friends and family out for dinner, host a game or movie night.

2. Exercise! This one is my favorite. One thing folks might not know about me is I used to be a personal trainer before starting my career as an insurance broker!

3. Get plenty of sleep! Turn off your tv and try to stay off your phone about 90 minutes before you go to bed to try and improve your ability to fall asleep.

4. Practice mindfulness! This one I need to work on. Take time to meditate or think about those around you, the opportunities you have and to be thankful for those opportunities and people who support you. Try to forget about the bad, and think positively.

5. Eat Right! I'm no dietician, but make sure you're eating good healthy whole foods. Drink plenty of water. Stay away from sugary foods and drinks.
*Helpful hint* - Stay away from the center aisles in grocery stores. Stick to the outer perimeter such as the meat and produce sections.

6. Seek support! If you feel down and symptoms keep getting worse. Look to someone for help!

05/13/2024

Attention Black Hills Residents!

If you're going to be turning 65 this year, the next, or plan to retire and you'll be losing your employers coverage, come join me at the American Legion in Rapid City on Thursday, May 16th!

I will be hosting a FREE Educational Medicare 101 Seminar. There is so much to learn about Medicare and I'll will be breaking it all down in a short 60-minute presentation. I'll be having two separate sessions, one at 10am and the other at 6pm.

I look forward to answering any questions!

05/08/2024

Hi Everyone!

Let me take some time to reintroduce myself 😁.

I'm am a licensed Life and Health Insurance agent and I am employed by Professional Insurance Services, Inc. I live in Sioux Falls, SD and I travel South Dakota and neighboring states to help individuals find the best coverage for them. Since I am an independent agent, I work with many highly reputable companies, which gives you the options to pick and choose your coverage. That also means, I won't be forcing one option on you! I work for YOU 🫵 not the insurance companies 👍. My services are always completely FREE!!

I'm going to do my best to post more and be here as a resource for all your insurance needs! Please Like and Share my page and posts with anyone who may need/want my help 🙏 And as always, please don't hesitate to reach out!

Email: [email protected]
Direct Phone: 605-799-0003

02/02/2024

Life Insurance, do you need it? Here are a few good reasons why you should consider finding a plan:

1. Financial Protection for your loved ones.
The death benefit would provide a safety net, financially, and ensure that your loved ones don't need to deal with any financial distress during and already difficult time. Benefits are typically paid immediately. This means, keeping your home and other possessions and being able to keep your current style of living.

2. Education and Future Planning.
If you have children, the death benefit would be a valuable tool for future education. For single parent households, it becomes very difficult to afford college or future schooling for your children.

3. Tax-Free Death Benefit.
The money you receive from a life insurance policy is typically not subject to income tax.

4. Optional Rider's and Benefits to attach.
Finding life insurance policies that develop interest would be a good way to invest your money while also providing protection to you and your family. One example of a Rider that is worth attaching is the "Return of Premium" Rider. With this Rider attached to a life insurance policy, when you outlive the policy, you receive all the premiums you've paid over the course of the policy (10, 15, 20, 30 years). Providing you with a decent lump sum of cash to use for kitchen remodel that she's been talking about! ;)

Reach out for a free quote for you and your loved ones!

Call now to connect with business.