Sandy Gilkey Insurance Agency

Health Insurance 101: A waiting period is the time that must pass before coverage can become effective for an employee or dependent who is otherwise eligible for coverage under a job-based health plan.

A well-written homeowners policy will pay to replace any of your personal property that is destroyed in a fire or other disaster. The policy will also be your first line of defense against a lawsuit from someone injured at your home.

“Do one thing every day that scares you.”

The Income Related Monthly Adjustment Amount (IRMAA) is an additional monthly charge that people with certain high-income levels must pay on top of their Medicare Part B and D premiums.