Category: Our Blog

GTL Advantage Plus

Updated: April 12, 2024 at 9:40 am

GTL Advantage Plus We previously wrote about GTL Advantage Plus, a type of hospital indemnity insurance, back in 2017.

At the time of writing, we were not contracted with them. We wrote an independent review of their hospital indemnity insurance – GTL Advantage Plus.

We are now contracted with them. It is now our policy to not write reviews, independent or not, about certain carriers and follow advertising guidelines.

If you would like to learn more about hospital indemnity products, please reach out to us. You can contact us or use the form below.

If you’d like to learn more about how hospital indemnity insurance works, feel free to review the following articles.

Is hospital indemnity worth the cost? 

Overview of Gap/Hospital Indemnity Insurance

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How To Prevent Medicare Observation Status [Know How To Get Around This And Save Money]

Updated: April 12, 2024 at 9:40 am

Doctor comforting patient.Ask any Medicare beneficiary about observation status, and you’ll likely receive a four-letter word response.

Medicare observation status can be sticker shock. It’s on the one hand mirage, on the other a kick in the gut.

Here’s how it works. You are sick, laying in a hospital bed. Doctors and nurses are checking on you regularly. You figure since you are in a hospital bed, you are “in the hospital” or inpatient care status. Your Medicare plan says that hospitals cover inpatient care on a co-pay basis. In your case, that is $350 per day for the first 4 days and then $0 thereafter. To your surprise, however, you find out you are under “observation care” (also known as Medicare observation status).

Continue reading How To Prevent Medicare Observation Status [Know How To Get Around This And Save Money]

Declined For Life Insurance? Don’t Worry. You Can Still Obtain Life Insurance. Here’s How.

Updated: April 12, 2024 at 9:40 am

Life Insurance form declinedBeing declined for life insurance feels like a right hook to the face. You just completed a life insurance application, something on your “to-do” list for a while. You feel good about it. Then, a week or two goes by, and you don’t hear anything.

A couple of days later, you receive a letter from the carrier. You open in earnest, only to read that you have been declined for life insurance! You are upset and don’t know what to do next. Declined for life insurance? How can that be?

Don’t worry, we say. Chances are you can still obtain life insurance coverage.

How?

Continue reading Declined For Life Insurance? Don’t Worry. You Can Still Obtain Life Insurance. Here’s How.

Let’s Clear Up Your Health Insurance Confusion | Understand And Save Money

Updated: April 12, 2024 at 9:40 am

I suspect that health insurance confusion is worse than filling out taxes. That’s what I feel when I speak to people about health insurance.

People become even more confused when it’s time for the health insurance open enrollment period.  This period runs from November 1st to December 15th every year.

We at My Family Life Insurance call it the “health insurance open confusion period”. Why?

Many individuals and families are simply and incredibly confused about their health insurance. For example, most people don’t know the difference between a copay and coinsurance. Not knowing these basics can have a negative impact…on your checking account!

Continue reading Let’s Clear Up Your Health Insurance Confusion | Understand And Save Money