Sarasota Independent Insurance Agent - Michael Gildar
- About
- Mission Statement
- Life Insurance
- Medicare
- Long Term Care
- Annuities
- Senior Reference Sites
- Blog
- ANNUITIES & RETIREMENT
- 10 Important Ages for Retirement Planning
- 10 Things Social Security Won’t Tell You
- 4 Large Expenses You Should Consider When Planning For Retirement!
- Annuities - 5 Things You Should Know
- Annuities - Pros, Cons, and Levels Of Risk
- Annuity Dreams And Contractual Realities
- Benefits of IRA Accounts & Some of The Rules
- Claiming Social Security: Should You Wait?
- Don’t Ignore Your Social Security Statement
- Everything You Need To Know About Your IRA
- If Social Security is Plan A, it’s time for Plan B
- Important Documents To Get In Order While You Are Still Healthy & Able To!
- Indexed Annuities Are Becoming More Popular Again
- Is It Better to Buy Annuities vs. Life Insurance When Planning for Retirement?
- Longevity Annuities - What are they?
- MYGA - What is a MYGA?
- Nice Increase Expected For 2023 Social Security Checks!
- Older People Fear This More Than Death!
- Retirement - Keep More Of Your Savings
- Retirement costs confuse soon-to-be retirees
- Simple Annuity Guarantees You A Consistent Monthly Income As Long As You Live
- Social Security - 12 Top Things to Know
- Social Security Tips For Married Couples (Includes A Video)
- Taking Social Security Too Soon Can Cost You
- The Essential Pieces of Estate Planning Paperwork You Need
- Top Social Security Questions Answered
- Turning 50? Time For A Retirement Tuneup
- What Happens To Your Debt When You Die?
- What To Do If You Inherit Your Spouse’s IRA
- What’s the Best Age to Retire?
- Why It Might Be Better To Take Social Security At Age 66 Instead Of Age 70
- Younger Adults Can Buy Fixed Annuities, Too
- LIFE INSURANCE
- 10 Questions You Should Ask & Understand Before Buying Life Insurance
- 12 Benefits Of Converting Your Term Policy To A Permanent Policy
- 5 Reasons You May Have To Pay More For Life Insurance
- 7 Benefits Of Life Insurance
- Advantages Of Permanent Life Insurance
- Can I Qualify For Life Insurance If I Have Major Health Issues?
- Catastrophe Struck When My Husband Was Killed! Creating A “What If” Plan.
- Chances are very good that you need Life Insurance!
- Convert Your Term Life Insurance To Permanent Life Insurance Before You Retire
- Converting Term Life Insurance
- Do You Need A Last Will?
- Do You Need Life Insurance in Retirement?
- Employer Sponsored Life Insurance Plans - Is My Coverage Enough?
- Fewer Women Than Men Have Life Insurance, Leaving Families Vulnerable
- How Does NOT Getting A COVID-19 Vaccine Effect Insurance Premiums?
- How Much Life Insurance Do I Need?
- How To Buy Life Insurance
- How To Find Life Insurance Policy Information, If Lost?
- How To Keep Your Kids From Blowing Their Inheritance
- How To Simplify Sorting Out A Loved One’s Estate
- Important Things You Need To Know About Life Insurance
- Insurance Policy Forms: Ignorance of The Commodity Perception
- Is Your Life Insurance Or Annuity Safe?
- Life Insurance & COVID-19 Vaccines
- Life Insurance - An Important Act For An Unselfish, Generous Person
- Life Insurance - Are You Worth More Dead Than Alive?
- Life Insurance - Can Anybody Be A Beneficiary?
- Life Insurance - Choosing Beneficiaries
- Life Insurance - Delaying Your Decision To Purchase
- Life Insurance - Differences Between Long Term Care Or Chronic Illness Riders
- Life Insurance - How Can You Check The Financial Ratings Of Life Insurance Companies?
- Life Insurance - How To Avoid The Federal Estate Tax When Collecting Life Insurance Proceeds
- Life Insurance - How To Get Tax Free Retirement Income
- Life Insurance - How To Save Money When Buying It!
- Life Insurance - Is A Medical Exam Required?
- Life Insurance - Is It A Good Investment?
- Life Insurance - Some Of The Most Common Mistakes
- Life Insurance - Understanding Rating Classifications
- Life Insurance - What Are Some Of The Advantages & Disadvantages Of Replacing An Existing Life Insurance Policy?
- Life Insurance - What Is A Temporary Insurance Application And Agreement (TIAA)?
- Life Insurance - What Is Final Expense Insurance?
- Life Insurance - What Is Simplified Issue?
- Life Insurance - When Doesn’t It Pay & For What Reason?
- Life Insurance - Who Should You Insure?
- Life Insurance - Who Wins? A Beneficiary On A Life Insurance Policy Or On A Divorce Decree?
- Life Insurance - Why Buy It?
- Life Insurance - Why Choose Independent Agents?
- Life Insurance - Why Quotes Can Vary For The Same Coverage Amounts?
- Life Insurance - Will My Premiums Increase?
- Life Insurance 101 - The Basics
- Life Insurance 101 Video
- Life Insurance and Investment Goals
- Life Insurance Can Be Important At Any Age!
- Life Insurance During COVID-19 Pandemic
- Life Insurance For Younger Buyers Have Jumped Due To COVID-19
- Life Insurance Myths
- Life Insurance Myths About COVID-19
- Life Insurance Quotes & Application Process - Demystified
- Life Insurance Video - Embracing Uncertainty
- Life Insurance Video - If You Still Haven’t Purchased Life Insurance Maybe This Will Change Your Mind!
- Life Insurance With Health Issues? - Charged High Rates or Declined Altogether?
- Life Insurance Without Medical Exam Becoming More Of A Trend
- Life Insurance: Who Really Needs It?
- Mortgage Protection Insurance Versus Term Life Insurance
- One In Three Americans Who Get An Inheritance Blow It
- Permanent Life Insurance - Related Blog Posts
- Price - Important Factors That Affect Your Life Insurance Premiums
- September Is Life Insurance National Awareness Month
- Term Life Insurance With Living Benefits
- Types of Life Insurance
- Use Of Your Term Life Insurance Policy's Conversion Option
- What Good is Life Insurance if No One Collects?
- What is a Life Insurance Rider?
- What Is Guaranteed Universal Life?
- What Is The Difference Between Individual Life Insurance and Group Life Insurance?
- What Is The Difference Between Universal Life Insurance And Whole Life Insurance?
- What Is the “MIB?"
- What Is Universal Life Insurance?
- What To Do If Losing Your Job Means Losing Life Insurance
- Whole Life Insurance vs. Term Life Insurance
- Whole Life Myths Debunked
- Why Buy Life Insurance For Children?
- Why Do So Many Parents Lack Life Insurance and Wills?
- Why Do Some Consumers Procrastinate Buying Life Insurance?
- Why Is A Buy-Sell Agreement with Life Insurance Important?
- Women May Be Less Prepared For The Death Of Their Spouse
- You Could Save Money - Is Your Existing Life Insurance Policy Due For A No Cost Policy Review?
- LONG TERM CARE INSURANCE
- 3 Reasons NOT To Buy Long Term Care Insurance!
- 40 Must-Know Statistics About Long-Term Care
- 5 Defensive Moves To Protect Your Money & Wealth
- Aging In Place - Series Of Articles
- Before Moving To A Continuing Care Retirement Community, Do Your Diligence!
- Brief Comparison of Hybrid vs. Traditional Long Term Care Insurance
- Comparing Nursing Home Data Just Got Easier
- Do Americans Understand Long Term Care?
- Do You Have a Viable Plan for Long Term Care?
- Don’t Forfeit Right to Sue a Nursing Home
- Expense and Emotions in Preparing for Long Term Care
- Find A Great Nursing Home Before You Need One!
- Finding Skilled Elder Home Care Workers Not Easy
- Five Things You SHOULD Know About Long Term Care Insurance
- How Can We Fix Long Term Care Insurance?
- How Much Elder Care Costs In Your State
- How to Buy Long-Term-Care Insurance
- How To Choose Long Term Care Coverage
- How To Use A Life Insurance Policy To Pay For Long Term Care
- Long Term Care - How To Protect Your Savings
- Long Term Care - How Will You Pay For It?
- Long Term Care - Interesting & Important Information
- Long Term Care - People Unsure About Ability to Pay
- Long Term Care Annuities versus Long Term Care Insurance
- Long Term Care Insurance - Best Age To Purchase
- Long Term Care Insurance - Hybrid Advantages
- Long Term Care Insurance - Indemnity vs. Reimbursement
- Long Term Care Insurance - Video Testimonial For OneAmerica
- Long Term Care Insurance: Weighing the Alternatives
- Long Term Care Myths - The Facts!
- Medical Bills Make Final Years Costly: Study
- No Such Thing As Rent Control At Many Elder Facilities
- Nursing Home Star Ratings Change Makes It Tougher To Shine
- Nursing Homes - What You Need To Know
- Preparing for Long Term Care
- Private Home Care Could Become More Common For Elders
- The Cost Of Long Term Care In Your State
- Very Informative Alzheimer Video You Should Watch!
- Who Is Going To Take Care Of You When You Are Old?
- Why Many People Don’t Buy Long Term Care Insurance
- MEDICARE
- 10 Things Medicare Won’t Tell You
- 10 Top Tips For Choosing The Medicare Supplement Plan That You Feel Suits You Best
- 2023 Updated Medicare Part A and Part B Costs
- A Bit of Clarity in the Murk of Medicare Politics
- A Medicare Tax Break
- Behind Medicare’s Hospital Bill ‘Discount’
- Beware of Shifting Options Within Medicare Plans
- Beware That Decisions You Make On Your Tax Returns Can Affect Your Future Medicare Health Insurance Premiums!
- Bradenton Among Most Expensive Places To Be A Medicare Patient
- Common Medicare Advantage Plan Terms & Definitions
- Do All Doctors or Hospitals Accept Medicare Supplement (Medigap) Plans?
- Do I Need Part A & Part B at Age 65?
- Does Original Medicare Cover Annual Physicals?
- Drug Prices - Gag Rule At Pharmacy About Lower Prices?
- Fighting A Costly Medicare Loophole
- Get What’s Yours For Medicare
- Health Advantages Of Medicare Advantage
- Health Insurance Marketplaces Are Not For Seniors
- How are Medicare Advantage plans different from Original Medicare?
- How Do I Get Medicare Part A & Part B?
- How Does Medicare Benefits Work If I Already Have VA Benefits?
- How Medicare Insurance Plan Is Changing Health Coverage
- How Social Security and Medicare Work Together
- How To Apply Online For Medicare Part A & Part B
- How to Avoid Medicare Land Mines
- How To Choose The Right Medicare Plan!
- How to Fight a Medicare Claim Rejection
- How To Pay Less For Prescription Drugs
- How To Quickly Research Nursing Homes During The Coronavirus Pandemic
- If I Am Eligible For Disability Benefits, Do I Automatically Receive Medicare Benefits?
- IRMAA Income-Related Monthly Adjustment Amount
- Is Medicare Advantage Worth It vs. Traditional Medicare?
- L.B.J. Was Wrong About Medicare Concept
- Medicare "Wellness": Worth a Second Look?
- Medicare & Healthcare Compare Tools To Help Assist You!
- Medicare & Social Security - Understanding Your Options
- Medicare - AEP (Annual Enrollment Period)
- Medicare - Annual Enrollment Period (AEP)
- Medicare - Can I Keep My Marketplace Plan When I’m Enrolled In Medicare?
- Medicare - Clarification Of When Medicare Should Cover Skilled Care
- Medicare - Covered Outpatient Skilled Therapy
- Medicare - How Does Original Medicare Cover Skilled Therapy?
- Medicare - How Does Outpatient vs. Inpatient Effect My Costs?
- Medicare - How To Choose A Plan
- Medicare - How to Navigate the Part D Coverage Gap
- Medicare - If You Care About Cost Control, Don’t Let Them Change It To Premium Support!
- Medicare - Insulin $35 Max Copay For Some 2021 Plans
- Medicare - Is It Going Bankrupt Or Not?
- Medicare - Medicare Advantage Plans Are Not The Same As Medicare Supplement Plans
- Medicare - Mistakes!
- Medicare - New "What's Covered” Mobile App
- Medicare - Observation Status And How It Can Affect You!
- Medicare - One Way To Slash Senior’s Prescription Drug Costs
- Medicare - Part D - When To Enroll & More
- Medicare - Physical Exam Versus Wellness Visit
- Medicare - Questions To Ask When Enrolling
- Medicare - Shopping For A Medicare Insurance Plan
- Medicare - Should I Keep My Existing Medicare Insurance Plan Or Switch To A New Plan?
- Medicare - Social Security Expands Online Medicare Enrollment Process
- Medicare - Steps On How To Enroll In Medicare Insurance Plans
- Medicare - The 5 Most Asked Questions Since The Election
- Medicare - What Do I Need To Do To Enroll?
- Medicare - What Happens After You Turn 65?
- Medicare - What Happens If You Missed Your Initial Enrollment Period?
- Medicare - What Is A Formulary?
- Medicare - What Is A Medigap Policy?
- Medicare - What Is A Scope Of Appointment Form & Do I Have To Sign One?
- Medicare - What Is ANOC And How Does It Affect You?
- Medicare - What Is The Difference Between Medicare Supplement And Medicare Advantage Plans
- Medicare - What Providers, Prescriptions, Medical Procedures, Etc. Are Covered Under My Medicare Insurance Plan?
- Medicare - When Turning 65, Should I Sign Up Or Not?
- Medicare - Which Insurance Is Primary? (Medicare Or Employer Coverage?)
- Medicare - Why You Do NOT Want To Miss These Deadlines!
- Medicare Advantage - Prescription Drugs That Are Injected At A Doctor’s Office
- Medicare Advantage - Reasons Why You May Want To Consider Switching Plans
- Medicare Advantage Appeal Outcomes
- Medicare Advantage Or Part D Renewal Time
- Medicare Advantage Plans - Ambulatory Surgery Centers
- Medicare Advantage Plans - Are There Too Many Choices?
- Medicare Advantage Plans - Conflicting View Points
- Medicare Advantage Plans - Percentage Of Beneficiaries Enrolled
- Medicare Advantage Plans - Pros and Cons
- Medicare Advantage Plans - Questions To Ask Before Enrolling!
- Medicare Alphabet 101 For Beginners - What Do All Those Letters Actually Mean?
- Medicare Benefit Periods - Learn How They May Affect You!
- Medicare Benefits Won't Be Affected By Obamacare's Health Insurance Marketplace
- Medicare Choices Tricky Even For Med Students, Doctors
- Medicare Considering A Cut In Part B Premiums!
- Medicare Covered Vaccines - But Which Part Letter Covers Your Vaccine?
- Medicare Drug Prices - Negotiations Act Would Lower Costs
- Medicare Enrollment Mistakes Can Be Costly
- Medicare Fraud - What You Can Do To Help Prevent It
- Medicare Glossary Of Terms
- Medicare ID Number Change
- Medicare Insurance Plan Choices - Annual Election Period
- Medicare Insurance Plan Choices for this 2021 Annual Enrollment Period
- Medicare Insurance Plan Choices Matter
- Medicare Insurance Plans - Different Types & Different Views
- Medicare Insurance Plans - Do Agents Charge Clients Fees?
- Medicare Insurance Plans - Renew Or Should You Replace?
- Medicare Limits on Balance Billing and Private Contracting by Physicians
- Medicare May Reassess 2022 Part B Premium Hike
- Medicare Notices & What Do They Mean?
- Medicare Part A & Part B - Do I Have To Sign Up Or Does That Happen Automatically?
- Medicare Part A - The Benefit Periods and Deductibles
- Medicare Part B - Can I Pay My Premiums Monthly Instead Of Quarterly?
- Medicare Part B Initial Enrollment Information
- Medicare Part B Premiums & Deductible For 2021
- Medicare Part D - Closing the Coverage Gap
- Medicare Part D - Closing The Donut Hole!
- Medicare Part D - Donut Hole Costs 2020
- Medicare Part D - Drugs Not Covered!
- Medicare Part D - Enroll On Time Or Get Penalized!
- Medicare Part D - Major Expected Changes For 2024 And 2025
- Medicare Part D - No Limit On What You Can Spend!
- Medicare Part D - Pricey Drugs Overwhelm Medicare Safeguard
- Medicare Part D - The Doughnut Hole
- Medicare Part D - Things To Know About Prescription Drug Plans
- Medicare Part D - What Should I Ask About Prescription Drug Plans?
- Medicare Part D - Where You Live Can Influence The Price Of Drugs Under Medicare
- Medicare Part D and Prescriptions
- Medicare Part D Gains May Be Eroding
- Medicare Payments To Insurance Companies For Medicare Advantage Will Increase
- Medicare Premiums Paid Possibly Could Save You Money If You Itemize Your Taxes
- Medicare Questions - Plans, Parts, & More
- Medicare Rating Updates For Local Sarasota/Manatee Area Hospitals
- Medicare Spills Beans On Hospital Billing
- Medicare Star Ratings - Helping You Compare Plans
- Medicare Still Strong And Built To Last!
- Medicare Summary Notice - What Is It?
- Medicare Supplement - Are You Allowed To Enroll During Any Month?
- Medicare Supplement - High Deductible Plan G
- Medicare Supplement - If I Cancel, Can I Get It Back?
- Medicare Supplement Changes for Plans F & Plan C - Starting 1-1-2020
- Medicare Supplement Price Shopping When You Already Have An Existing Medicare Supplement
- Medicare Supplement Shopping & Comparison
- Medicare Supplement Trial Right Guaranteed Issue
- Medicare Supplements - Attained Age vs. Issue Age
- Medicare Supplements - Pros and Cons
- Medicare Trust Fund Solvency & Other Interesting Information
- Medicare What Is An Advance Beneficiary Notice? (ABN)
- Medicare, Medigap Cuts May Make You Sick
- Medicare: When To Enroll
- Medicare’s Financial Outlook
- More Disgruntled Doctors Leave Medicare
- More Than 50% Of Medicare Eligibles Selected A Medicare Advantage Plan in 2024!
- Must I Sign Up For Medicare When I Turn 65 If I Receive Health Care Through The Department Of Veteran Affairs?
- New August 2022 Bill Passed That Affects Medicare Benefits
- New Drug Pricing Plan - Will It Ever Happen?
- New Enrollment Period Option For Medicare Advantage Plans Started in 2019 & Is Called Medicare Open Enrollment Period!
- Original Medicare - What You Should Consider When Searching For Outpatient Services
- Prescription Copay Assistance - Buyer Be Aware!
- Prescription Drug Out Of Pocket Costs Can Vary Significantly!
- Prescription Drugs Billed Under Part B Or Part D - Know The Difference In Advance!
- Ready For The Annual Medicare Plan Decision?
- Retiree Insurance & Medicare - Important Information To Understand
- Retirees Get A Break On Medicare Drug Costs
- Senior Reference Web Sites & Phone Numbers
- Seniors Facing Higher Medicare Drug Premiums & Copays
- Some Medicare Advantage PPO Plans Can Be A Hassle
- Time to Review Medicare in September!
- Two-Thirds Of Hospitals Fail A Medicare Test
- What Is A Medicare Advantage Plan?
- When can I change my existing Medicare Plan?
- Why Medicare Advantage Costs Taxpayers Billions More Than It Should
- Why Spouses Should ‘Split Up’ For Medicare
- MISC - OFF TOPIC
- 10 Things Your Drugstore Won’t Say
- Are Your Private Emails Really Private?
- Deposit Boxes Not As Safe As You Think
- How To Haggle Down Your Medical Bills
- How To Handle a Loved One’s Final Medical Expenses
- Increasing Number Of Seniors Want To Stay In Their Homes As They Grow Older!
- Smartphone Pictures Pose Privacy Risks
- Social Security COLA 2023 Benefits Are Rising 8.7%
- The Fight To Lower Prescription Drug Prices
- Understanding Your Medical Bills & What To Do About Mistakes On Them!
- Why Do Americans Pay More For Drugs?
- Why Drug Prices Remain So High & 6 Saving Tips
- ANNUITIES & RETIREMENT
- Insurance Agent Reviews For Michael Gildar
- To contact Michael Gildar, please call me at (941) 404-5334:
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