{"version":"https://jsonfeed.org/version/1","title":"Adam Niederklein - Health Insurance Broker","home_page_url":"https://customplancoverage.com","description":"Adam Niederklein - Health Insurance Broker","author":{"name":"Adam Niederklein - Health Insurance Broker"},"items":[{"id":"https://customplancoverage.com/about/f/plan-g---medicare-supplement","html_content":"

Medicare Supplement Plan G: What You Should Know

","url":"https://customplancoverage.com/about/f/plan-g---medicare-supplement","title":"Plan G - Medicare Supplement","summary":"Medicare Supplement Plan G: What You Should Know","date_modified":"2026-08-07T21:00:46Z"},{"id":"https://customplancoverage.com/about/f/2026-health-savings-accounts-hsa","html_content":"

HSA Contribution Limits for 2026 (and Everything Else You Should Know About HSAs)

","url":"https://customplancoverage.com/about/f/2026-health-savings-accounts-hsa","title":"2026 Health Savings Accounts (HSA)","summary":"HSA Contribution Limits for 2026 (and Everything Else You Should Know About HSAs)","date_modified":"2026-04-24T02:06:05Z"},{"id":"https://customplancoverage.com/about/f/aca-tax-credits-didn%E2%80%99t-%E2%80%9Cgo-away%E2%80%9D-%E2%80%94-here%E2%80%99s-what-the-headlines-are","html_content":"

If you’ve been following the news lately, you might have seen headlines suggesting that ACA Marketplace tax credits are ending, expiring, or going away altogether.

","url":"https://customplancoverage.com/about/f/aca-tax-credits-didn%E2%80%99t-%E2%80%9Cgo-away%E2%80%9D-%E2%80%94-here%E2%80%99s-what-the-headlines-are","title":"ACA Tax Credits Didn’t “Go Away\" ","summary":"If you’ve been following the news lately, you might have seen headlines suggesting that ACA Marketplace tax credits are ending, expiring, or going away altogether.","date_modified":"2026-02-15T23:31:06Z"},{"id":"https://customplancoverage.com/about/f/the-gaps-left-by-original-medicare-%E2%80%94-what%E2%80%99s-not-covered","html_content":"

Most people assume Medicare will cover nearly all medical costs in retirement. While Original Medicare (Part A and Part B) provides a strong foundation, it leaves behind several gaps that can create high out-of-pocket co...

","url":"https://customplancoverage.com/about/f/the-gaps-left-by-original-medicare-%E2%80%94-what%E2%80%99s-not-covered","title":"The Gaps Left by Original Medicare — What’s Not Covered","summary":"Most people assume Medicare will cover nearly all medical costs in retirement. While Original Medicare (Part A and Part B) provides a strong foundation, it leaves behind several gaps that can create high out-of-pocket co...","date_modified":"2025-12-09T17:29:01Z"},{"id":"https://customplancoverage.com/about/f/medicare%E2%80%99s-annual-election-period-what-you-need-to-know","html_content":"

Every year, Medicare gives beneficiaries the chance to review and change certain coverage options during the Annual Election Period (AEP). This year, AEP runs from October 15 through December 7. Any changes you make will...

","url":"https://customplancoverage.com/about/f/medicare%E2%80%99s-annual-election-period-what-you-need-to-know","title":"Medicare’s Annual Election Period: What You Need to Know","summary":"Every year, Medicare gives beneficiaries the chance to review and change certain coverage options during the Annual Election Period (AEP). This year, AEP runs from October 15 through December 7. Any changes you make will...","date_modified":"2025-10-04T15:39:08Z"},{"id":"https://customplancoverage.com/about/f/long-term-care-insurance-or-short-term-care-insurance","html_content":"

Long-Term Care Insurance vs. Short-Term Care Insurance: What’s the Difference—and Which Might You Need?

","url":"https://customplancoverage.com/about/f/long-term-care-insurance-or-short-term-care-insurance","title":"Long-Term Care Insurance or Short-Term Care Insurance?","summary":"Long-Term Care Insurance vs. Short-Term Care Insurance: What’s the Difference—and Which Might You Need?","date_modified":"2025-07-29T14:44:19Z"},{"id":"https://customplancoverage.com/about/f/will-medicare-take-care-of-all-your-medical-bills","html_content":"

If you’re turning 65, you’ve probably been told that “Medicare will take care of you.” And while Medicare is a great program, it’s important to understand what it doesn’t cover—so you don’t get caught by surprise.

","url":"https://customplancoverage.com/about/f/will-medicare-take-care-of-all-your-medical-bills","title":"Will Medicare take care of all your Medical Bills?","summary":"If you’re turning 65, you’ve probably been told that “Medicare will take care of you.” And while Medicare is a great program, it’s important to understand what it doesn’t cover—so you don’t get caught by surprise.","date_modified":"2025-06-23T15:17:24Z"},{"id":"https://customplancoverage.com/about/f/save-thousands-on-mounjaro-with-medicare-part-d-drug-plans","html_content":"

Over the past few years, GLP-1 medications have taken the health world by storm. Drugs like Mounjaro, Ozempic, and Wegovy—all part of the GLP-1 receptor agonist class—have become widely known not just for managing diabet...

","url":"https://customplancoverage.com/about/f/save-thousands-on-mounjaro-with-medicare-part-d-drug-plans","title":"Save thousands on Mounjaro with Medicare Part D drug plans ","summary":"Over the past few years, GLP-1 medications have taken the health world by storm. Drugs like Mounjaro, Ozempic, and Wegovy—all part of the GLP-1 receptor agonist class—have become widely known not just for managing diabet...","date_modified":"2025-05-02T16:32:30Z"},{"id":"https://customplancoverage.com/about/f/strange-but-true-the-absurd-complexities-of-health-insurance","html_content":"

Health insurance in the U.S. is a lot like a choose-your-own-adventure book — except sometimes it feels like the choices don’t make any sense. Here are just a few head-scratchers that highlight the bizarre world of healt...

","url":"https://customplancoverage.com/about/f/strange-but-true-the-absurd-complexities-of-health-insurance","title":"Strange but True: The Absurd Complexities of Health Insurance","summary":"Health insurance in the U.S. is a lot like a choose-your-own-adventure book — except sometimes it feels like the choices don’t make any sense. Here are just a few head-scratchers that highlight the bizarre world of healt...","date_modified":"2025-03-26T17:21:00Z"},{"id":"https://customplancoverage.com/about/f/what-is-magi-and-agi","html_content":"

When I first heard \"Magi,\" I thought of the three \"wise men\" who journeyed from the East bearing gifts of gold, frankincense, and myrrh for the newborn Jesus.

","url":"https://customplancoverage.com/about/f/what-is-magi-and-agi","title":"What is MAGI and AGI?","summary":"When I first heard \"Magi,\" I thought of the three \"wise men\" who journeyed from the East bearing gifts of gold, frankincense, and myrrh for the newborn Jesus. ","date_modified":"2025-03-14T21:09:29Z"},{"id":"https://customplancoverage.com/about/f/medicare-advantage-vs-medicare-supplement","html_content":"

When you become eligible for Medicare, one of the biggest decisions you’ll face is how to get the most out of your healthcare coverage. Should you choose a Medicare Advantage (Part C) plan or a Medicare Supplement (Medig...

","url":"https://customplancoverage.com/about/f/medicare-advantage-vs-medicare-supplement","title":"Medicare Advantage vs. Medicare Supplement","summary":"When you become eligible for Medicare, one of the biggest decisions you’ll face is how to get the most out of your healthcare coverage. Should you choose a Medicare Advantage (Part C) plan or a Medicare Supplement (Medig...","date_modified":"2025-02-19T22:31:38Z"},{"id":"https://customplancoverage.com/about/f/marketplace-to-medicare-navigating-the-transition-at-65","html_content":"

Turning 65 is a significant milestone, and with it comes the opportunity to enroll in Medicare. If you've been using a Marketplace (Affordable Care Act or ACA) plan, navigating this transition can feel overwhelming. Man...

","url":"https://customplancoverage.com/about/f/marketplace-to-medicare-navigating-the-transition-at-65","title":"Marketplace to Medicare","summary":"Turning 65 is a significant milestone, and with it comes the opportunity to enroll in Medicare. If you've been using a Marketplace (Affordable Care Act or ACA) plan, navigating this transition can feel overwhelming. Man...","date_modified":"2025-02-15T21:46:31Z"},{"id":"https://customplancoverage.com/about/f/understanding-medigap-policies","html_content":"

When it comes to Medicare Supplement Insurance (Medigap) policies, most people are unaware of just how many options exist. In my experience, many are surprised to learn there are ten standardized plan types (represented ...

","url":"https://customplancoverage.com/about/f/understanding-medigap-policies","title":"Understanding Medigap Policies","summary":"When it comes to Medicare Supplement Insurance (Medigap) policies, most people are unaware of just how many options exist. In my experience, many are surprised to learn there are ten standardized plan types (represented ...","date_modified":"2024-12-02T02:32:17Z"},{"id":"https://customplancoverage.com/about/f/finding-health-insurance-begin-here","html_content":"

When it comes to making the right health insurance decisions, understanding your unique situation is important. To help you navigate the complexity and prepare the best options, I need to gather information about you. Th...

","url":"https://customplancoverage.com/about/f/finding-health-insurance-begin-here","title":"Finding Health Insurance","summary":"When it comes to making the right health insurance decisions, understanding your unique situation is important. To help you navigate the complexity and prepare the best options, I need to gather information about you. Th...","date_modified":"2024-10-15T17:54:42Z"},{"id":"https://customplancoverage.com/about/f/health-insurance-options-before-medicare","html_content":"

As you approach Medicare eligibility at age 65, there are several health insurance options available to cover the gap. High-income earners, who may not qualify for subsidies like the Advanced Premium Tax Credits (APTC) u...

","url":"https://customplancoverage.com/about/f/health-insurance-options-before-medicare","title":"Health Insurance Options Before Medicare","summary":"As you approach Medicare eligibility at age 65, there are several health insurance options available to cover the gap. High-income earners, who may not qualify for subsidies like the Advanced Premium Tax Credits (APTC) u...","date_modified":"2024-10-08T18:02:10Z"},{"id":"https://customplancoverage.com/about/f/medicares-annual-enrollment-period","html_content":"

Whether you’re on Medicare or an ACA Marketplace plan, the Annual Election Period (AEP) for Medicare (October 15 to December 7) and Open Enrollment for ACA Marketplace coverage (November 1 to January 15) are critical tim...

","url":"https://customplancoverage.com/about/f/medicares-annual-enrollment-period","title":"Medicare & Marketplace Plans: Time to Review","summary":"Whether you’re on Medicare or an ACA Marketplace plan, the Annual Election Period (AEP) for Medicare (October 15 to December 7) and Open Enrollment for ACA Marketplace coverage (November 1 to January 15) are critical tim...","date_modified":"2024-10-03T21:38:53Z"},{"id":"https://customplancoverage.com/about/f/why-does-medicare-bill-for-3-months-when-you-first-start","html_content":"

When you first enroll in Medicare Part B (which covers medical services like doctor visits), you may notice that Medicare bills you for the first three months of premiums upfront. This can be a bit surprising, but it's a...

","url":"https://customplancoverage.com/about/f/why-does-medicare-bill-for-3-months-when-you-first-start","title":"Why does Medicare Bill for 3 Months When You First Start?","summary":"When you first enroll in Medicare Part B (which covers medical services like doctor visits), you may notice that Medicare bills you for the first three months of premiums upfront. This can be a bit surprising, but it's a...","date_modified":"2024-09-17T16:28:17Z"},{"id":"https://customplancoverage.com/about/f/types-of-life-insurance","html_content":"

Term Life Insurance

","url":"https://customplancoverage.com/about/f/types-of-life-insurance","title":"Types of Life Insurance","summary":"Term Life Insurance","date_modified":"2024-09-03T20:03:03Z"},{"id":"https://customplancoverage.com/about/f/is-dental-insurance-worth-it","html_content":"

As a health insurance broker, I often get asked if dental insurance is worth the investment. The answer depends on your individual needs and financial situation. Dental insurance typically covers routine preventive care ...

","url":"https://customplancoverage.com/about/f/is-dental-insurance-worth-it","title":"Is Dental Insurance Worth It?","summary":"As a health insurance broker, I often get asked if dental insurance is worth the investment. The answer depends on your individual needs and financial situation. Dental insurance typically covers routine preventive care ...","date_modified":"2024-08-22T20:18:01Z"},{"id":"https://customplancoverage.com/about/f/who-would-purchase-an-annuity","html_content":"

An annuity is a financial product that provides a series of payments made at regular intervals, typically used as a way to secure a steady income stream, often during retirement.

","url":"https://customplancoverage.com/about/f/who-would-purchase-an-annuity","title":"Who would purchase an annuity?","summary":"An annuity is a financial product that provides a series of payments made at regular intervals, typically used as a way to secure a steady income stream, often during retirement. ","date_modified":"2024-08-21T02:22:13Z"},{"id":"https://customplancoverage.com/about/f/when-should-i-get-life-insurance","html_content":"

Purchasing life insurance is an important decision that should be made based on individual circumstances, life stages, and financial goals. Often it's most important when you have financial dependents or significant debt...

","url":"https://customplancoverage.com/about/f/when-should-i-get-life-insurance","title":"When should I get life insurance?","summary":"Purchasing life insurance is an important decision that should be made based on individual circumstances, life stages, and financial goals. Often it's most important when you have financial dependents or significant debt...","date_modified":"2024-08-15T14:35:34Z"},{"id":"https://customplancoverage.com/about/f/understanding-common-health-insurance-terminology","html_content":"

Navigating the world of health insurance can be daunting, especially when faced with a sea of unfamiliar terms and jargon. Understanding these terms is crucial for making informed decisions about your healthcare coverage...

","url":"https://customplancoverage.com/about/f/understanding-common-health-insurance-terminology","title":"Understanding Common Health Insurance Terminology","summary":"Navigating the world of health insurance can be daunting, especially when faced with a sea of unfamiliar terms and jargon. Understanding these terms is crucial for making informed decisions about your healthcare coverage...","date_modified":"2024-08-07T17:29:34Z"},{"id":"https://customplancoverage.com/about/f/does-a-plan-g-cost-the-same-with-all-insurance-companies","html_content":"

No, the cost of a Medicare Supplement Plan G can vary significantly between insurance companies. While Plan G offers the same standardized benefits regardless of the insurer (see page 9 of the government's 2024 guide Cho...

","url":"https://customplancoverage.com/about/f/does-a-plan-g-cost-the-same-with-all-insurance-companies","title":"Does a Plan G cost the same with all insurance companies?","summary":"No, the cost of a Medicare Supplement Plan G can vary significantly between insurance companies. While Plan G offers the same standardized benefits regardless of the insurer (see page 9 of the government's 2024 guide Cho...","date_modified":"2024-07-12T03:15:26Z"},{"id":"https://customplancoverage.com/about/f/can-medicare-refuse-to-pay-for-my-doctors-treatment-plan-when","html_content":"

Original Medicare (Parts A and B)

","url":"https://customplancoverage.com/about/f/can-medicare-refuse-to-pay-for-my-doctors-treatment-plan-when","title":"Can Medicare refuse to pay for what my doctor orders?","summary":"Original Medicare (Parts A and B)","date_modified":"2024-06-24T20:02:18Z"},{"id":"https://customplancoverage.com/about/f/medicare-part-b-excess-charges","html_content":"

Part B excess charges refer to the difference between what a doctor or health care provider charges for a service and the amount that Medicare will pay for that service. Under Original Medicare, doctors and providers can...

","url":"https://customplancoverage.com/about/f/medicare-part-b-excess-charges","title":"Medicare Part B Excess Charges?","summary":"Part B excess charges refer to the difference between what a doctor or health care provider charges for a service and the amount that Medicare will pay for that service. Under Original Medicare, doctors and providers can...","date_modified":"2024-06-18T14:57:26Z"},{"id":"https://customplancoverage.com/about/f/medicare-supplement-plan-g-or-n","html_content":"

Medicare Supplement Insurance (Medigap) plans help cover some of the costs not covered by Original Medicare. Plan G and Plan N are two popular Medigap options, each offering different levels of coverage and cost-sharing....

","url":"https://customplancoverage.com/about/f/medicare-supplement-plan-g-or-n","title":"Medicare Supplement Plan G or N?","summary":"Medicare Supplement Insurance (Medigap) plans help cover some of the costs not covered by Original Medicare. Plan G and Plan N are two popular Medigap options, each offering different levels of coverage and cost-sharing....","date_modified":"2024-06-17T17:44:21Z"},{"id":"https://customplancoverage.com/about/f/how-much-does-health-insurance-cost","html_content":"

The cost of health insurance can vary widely based on several factors, including the type of plan, the level of coverage, the insured person's age, location, and whether they are purchasing insurance through an employer,...

","url":"https://customplancoverage.com/about/f/how-much-does-health-insurance-cost","title":"How much does health insurance cost?","summary":"The cost of health insurance can vary widely based on several factors, including the type of plan, the level of coverage, the insured person's age, location, and whether they are purchasing insurance through an employer,...","date_modified":"2024-06-13T16:47:26Z"},{"id":"https://customplancoverage.com/about/f/why-are-my-medications-not-covered-by-insurance","html_content":"

There are several reasons why your medications might not be covered by insurance:

","url":"https://customplancoverage.com/about/f/why-are-my-medications-not-covered-by-insurance","title":"Why are my medications not covered by insurance?","summary":"There are several reasons why your medications might not be covered by insurance:","date_modified":"2024-06-09T11:23:54Z"},{"id":"https://customplancoverage.com/about/f/why-use-an-independent-insurance-broker-for-medicare-decisions","html_content":"

Navigating the world of Medicare (and insurance in general) can be complex, with a myriad of options and decisions to make. From choosing the right plan to understanding coverage benefits and costs, it's easy to feel ove...

","url":"https://customplancoverage.com/about/f/why-use-an-independent-insurance-broker-for-medicare-decisions","title":"Why use an Independent Insurance Broker for Medicare Decisions?","summary":"Navigating the world of Medicare (and insurance in general) can be complex, with a myriad of options and decisions to make. From choosing the right plan to understanding coverage benefits and costs, it's easy to feel ove...","date_modified":"2024-06-06T23:06:55Z"},{"id":"https://customplancoverage.com/about/f/saving-business-owners-and-hr-professionals-time-and-money","html_content":"

As a business owner or HR professional, you are tasked with managing a myriad of responsibilities, from recruitment and employee relations to benefits administration. One area that often requires significant time and res...

","url":"https://customplancoverage.com/about/f/saving-business-owners-and-hr-professionals-time-and-money","title":"Saving Business Owners and HR Professionals Time and Money","summary":"As a business owner or HR professional, you are tasked with managing a myriad of responsibilities, from recruitment and employee relations to benefits administration. One area that often requires significant time and res...","date_modified":"2024-05-31T21:14:36Z"},{"id":"https://customplancoverage.com/about/f/do-you-need-health-insurance","html_content":"

In a world filled with uncertainties, one thing remains constant: the importance of health. Your well-being is not something to gamble with, and having a safety net for unexpected medical expenses can make all the differ...

","url":"https://customplancoverage.com/about/f/do-you-need-health-insurance","title":"Do You Need Health Insurance?","summary":"In a world filled with uncertainties, one thing remains constant: the importance of health. Your well-being is not something to gamble with, and having a safety net for unexpected medical expenses can make all the differ...","date_modified":"2024-05-28T18:12:00Z"},{"id":"https://customplancoverage.com/about/f/understanding-medicares-initial-enrollment-period-iep","html_content":"

Entering the realm of Medicare can be a daunting task, with its myriad of rules, deadlines, and options. Among the crucial aspects to grasp is the Initial Enrollment Period (IEP), a significant window that warrants atten...

","url":"https://customplancoverage.com/about/f/understanding-medicares-initial-enrollment-period-iep","title":"Understanding Medicare's Initial Enrollment Period (IEP)","summary":"Entering the realm of Medicare can be a daunting task, with its myriad of rules, deadlines, and options. Among the crucial aspects to grasp is the Initial Enrollment Period (IEP), a significant window that warrants atten...","date_modified":"2024-05-16T15:55:52Z"},{"id":"https://customplancoverage.com/about/f/what-is-a-scope-of-appointment-soa","html_content":"

The Scope of Appointment is a simple but important document that outlines the topics you want to discuss during your appointment with a Medicare insurance agent or broker. It's like a roadmap that helps guide the convers...

","url":"https://customplancoverage.com/about/f/what-is-a-scope-of-appointment-soa","title":"What is a Scope of Appointment (SOA)?","summary":"The Scope of Appointment is a simple but important document that outlines the topics you want to discuss during your appointment with a Medicare insurance agent or broker. It's like a roadmap that helps guide the convers...","date_modified":"2024-05-15T13:34:26Z"},{"id":"https://customplancoverage.com/about/f/social-security-when-to-start-drawing-benefits","html_content":"

As retirement approaches, one of the most significant financial decisions individuals face is when to start drawing Social Security benefits. While the age at which you can begin receiving benefits ranges from 62 to 70, ...

","url":"https://customplancoverage.com/about/f/social-security-when-to-start-drawing-benefits","title":"Social Security: When to Start Drawing Benefits","summary":"As retirement approaches, one of the most significant financial decisions individuals face is when to start drawing Social Security benefits. While the age at which you can begin receiving benefits ranges from 62 to 70, ...","date_modified":"2024-05-09T17:03:01Z"},{"id":"https://customplancoverage.com/about/f/aca-marketplace-coverage-who-is-eligible-and-is-it-affordable","html_content":"

The Affordable Care Act (ACA), signed into law in 2010, aimed to expand access to affordable health insurance coverage for millions of Americans. One of the key provisions of the ACA is the establishment of Health Insura...

","url":"https://customplancoverage.com/about/f/aca-marketplace-coverage-who-is-eligible-and-is-it-affordable","title":"ACA Marketplace Coverage: Who is Eligible and is it affordable?","summary":"The Affordable Care Act (ACA), signed into law in 2010, aimed to expand access to affordable health insurance coverage for millions of Americans. One of the key provisions of the ACA is the establishment of Health Insura...","date_modified":"2024-05-09T16:56:42Z"},{"id":"https://customplancoverage.com/about/f/medicare-advantage-part-c-vs-medicare-supplement-medigap","html_content":"

As individuals approach retirement age, understanding Medicare becomes paramount. With various plans and options available, it's crucial to decipher the disparities between them to make informed decisions about healthcar...

","url":"https://customplancoverage.com/about/f/medicare-advantage-part-c-vs-medicare-supplement-medigap","title":"Medicare Advantage (Part C) vs Medicare Supplement (Medigap)","summary":"As individuals approach retirement age, understanding Medicare becomes paramount. With various plans and options available, it's crucial to decipher the disparities between them to make informed decisions about healthcar...","date_modified":"2024-05-09T16:25:15Z"}]}