Twas the Night Before Medicare’s …

October 14, 2015

Twas the night before Medicare’s Annual Enrollment Period, and all through the town

Not a creature was laughing, not even a clown;

The Annual Notices of Change were stacked on the floor,

At least they could be used to hold open the door;

The seniors and baby-boomers were sitting in chairs;

Looking at all the mail with confounded stares;

And my wife in her shawl, and I in my sweater,

Had started to see if next year’s plans might be better,

When all of a sudden I heard the door bell,

“Our agent is here” to my wife I did yell,

I opened the door and welcomed him in,

“I’ll explain everything” he said with a grin,

He was like an old friend and he smiled with a dimple,

I knew that he could make this all so simple,

With his briefcase in hand by the table we sat,

And he asked all the right questions after a short chat,

He explained all our options and we definitely felt better,

I’m so glad years ago we answered his introductory letter,

We setup another appointment to get everything done,

He said at this time of year he had to continue to run.

But I heard him exclaim as he walked to his car —

“Whenever you need me, I’ll never be far!”

With a wink of my eye to Clement Clarke Moore and a nod to all my friends that I help each year at this time … David Tirpak (201-445-3239) / (

Time for Spring Cleaning … Without the Sweat!

March 23, 2015

This past Friday marked the beginning of Spring, although if you live in the Northeast you probably doubted it.  It has been a cold and snowy winter, hasn’t it?  The beginning of Spring, however, is typically a time when we think of freshening things up.  We often start our seasonal Spring Cleaning.  All that work and cleaning, however, wears us out.  Today, I want to share with you another aspect of Spring Cleaning that should be part of your routine and it won’t wear you out at all. Read the rest of this entry »

Beware the Ides of March! (Insurance Lessons Learned from Shakespeare)

March 2, 2015

I always found reading Shakespeare difficult, as I’m sure some others have in the 399 years since his death.  All of us, however, can probably quote at least a few famous Shakespearean lines such as “To be or not to be …” or “Romeo, Romeo, wherefore art thou Romeo?”.  For me, the line I most remember is (part) of the title of this post … “Beware the Ides of March” from Julius Caesar.  The soothsayer (psychic) was warning Julius Caesar of his impending assassination on the Ides of March (March 15).  So, 2059 years later, as we approach the Ides of March, let’s reflect a few moments on some insurance lessons we can learn from Shakespeare. Read the rest of this entry »

Back to the Future … And Long-Term Care

February 19, 2015

Most of us can remember the popular trilogy of “Back to the Future” movies. In the second installment, Marty McFly traveled into that futuristic year of 2015 (from 1985). Well, here we are! Perhaps this is a good time to think about what it might be to look at the future of long-term care costs … it might be part of your future. Read the rest of this entry »

I Care. You Care. We All Care!

January 26, 2015

As a natural-born American, sometimes I take for granted part of what it seems to be an American.  Almost daily we read of a crisis or tragedy that takes place and we open up our hearts and/or our wallets to help others in need. Part of being an American seems to mean to care … Read the rest of this entry »

The Party’s Not Over and Your Ship Hasn’t Sailed!

January 19, 2015

Most of us, OK, many of us, are familiar with Medicare’s Open Enrollment Period which ended on December 7. If you are of Medicare eligible age, you should be aware because of all that funny looking stuff in your mailbox that you had been receiving for months. What’s that called again? Oh, yeah, “mail” … some of us might even say “junk mail”. So if you missed the party or the boat, you’ll have to wait until the next enrollment starting 10/15/2015 right? Maybe not … Read on! Read the rest of this entry »

Be Aware …

September 2, 2014

Labor Day has traditionally been the time when we say goodbye to summer (even though September is still usually a nice month to be outside).  We are told to be aware if we go to the shore because there will be no lifeguards on duty.  We are advised to be aware when driving because school will be open (as if we are lackadaisical when school is not in session).  Be aware that Christmas decorations will start appearing in stores in a few more weeks because obviously we need four months to shop for Christmas decorations!  Today, however, I wanted to share with you something that you really should be aware of. Read the rest of this entry »

Simplifying Medigap Options -Part 3

August 20, 2014

In Part 1 of this series, I set the stage by answering general questions about Medicare Supplement, also known as Medigap, plans. In Part 2, I explained the differences between two of the most comprehensive plans, Plan F and Plan G.  Today, in the long-awaited third segment, I will review another popular plan, Plan C.

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Remember The Stars and Stirpes

June 29, 2014

With Independence Day just around the corner, I thought it proper to write a few words about our Stars and Stirpes.  For many of us, our Stars are our children and perhaps our grandchildren, in other words, our legacy.  We all come into this world with our parents dreaming of a better life for us and our children.  Ultimately, most of us will leave this world wishing the same for our children and their children.  But what are our STRIPES?  Well, actually, the title was “Stirpes” and it was not a spelling error. Stirpes is an insurance term that is not very well-known to most yet it is so important to understand if we want our wishes passed along properly to our “stars”.

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Simplifying Medigap Options -Part 2

May 27, 2014

I can remember when I was younger (THAT, by itself, is a good thing!) that a major catalog company used to simplify their product selections into three categories … good, better, and best.  Simple, huh?  I like simple … but I also like choices.  In fact, simple choices is the best of both worlds, kind of like “would you like fries or onion rings with that burger?”.  With Medicare Supplement plans, also known as “Medigap” plans, you have lots of choices, but the simple part got lost in the shuffle.  I have seen agents make it too simple (by steering someone into their plan of choice).  As an Independent Agent, my goal is to make it “simpler”.

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