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American Health Insurance Services
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Resources

Guides on Medicare, health coverage, and life insurance.

What each kind of coverage does, when the deadlines fall, and what it costs, written for people who do not work in insurance.

Tools

Do the math yourself

Life insurance coverage calculatorDebts, income, education, and what you already have. A defensible coverage number in two minutes.OpenMedicare enrollment date checkerYour birth month in, every enrollment window out: Initial, Medigap open enrollment, Annual, and Advantage open enrollment.OpenFuneral cost estimatorBurial or cremation, the kind of service, and the extras. A realistic range to size a final expense policy against.Open
Medicare

Medicare guides

A doctor going over paperwork with an older patient in her officeMedicare

Turning 65: the Medicare checklist

What to do, and when, in the months around your 65th birthday so coverage starts on time and you avoid a permanent penalty.

6 min readRead
A doctor talking with an older man on his couch at homeMedicare

Medicare enrollment periods, explained

Initial, Annual, Open, General, and Special enrollment periods. Which one applies to you and what you can change in each.

5 min readRead
A couple reading a letter together at their kitchen tableMedicare

Medicare Supplement Plan G vs Plan N

The two Medigap plans most people choose today, what each leaves you to pay, and how to decide.

4 min readRead
A man in his seventies reading his phone with a cup of coffeeMedicare

Medicare Advantage or a Supplement?

The single biggest Medicare decision. What each path costs, what it restricts, and who each one suits.

6 min readRead
Health Insurance

Health Insurance guides

A family of four sitting together on the grass in a parkHealth Insurance

How ACA marketplace subsidies work

How the premium tax credit is calculated, who qualifies, and the reporting mistake that costs people at tax time.

5 min readRead
An older couple looking at a laptop togetherHealth Insurance

Losing employer health coverage: your four options

COBRA, the marketplace, a spouse's plan, or short-term coverage. What each costs and the 60-day clock.

5 min readRead
Life Insurance

Life Insurance guides

Parents with their young daughter on a blanket in a fieldLife Insurance

How much life insurance do you actually need?

A ten-minute method that replaces the guesswork: debts, income, mortgage, education, and what you already have.

5 min readRead
An older couple looking at a laptop togetherLife Insurance

What happens when a term life policy ends

The four things you can do before the term runs out, and the deadline most people miss.

4 min readRead
A grandmother holding her laughing grandchildLife Insurance

Naming a beneficiary: the mistakes that cost families

Primary and contingent, minors, ex-spouses, estates, and why the form beats the will.

5 min readRead
Three generations of one family smiling in the kitchenLife Insurance

How a life insurance claim is paid

What the beneficiary does, what the carrier checks, how long it takes, and the two situations that slow it down.

5 min readRead
An older couple smiling together on their couchLife Insurance

What a funeral costs, and how families pay for it

Typical ranges for burial, cremation, and services, plus the five ways families cover them.

5 min readRead
A couple reading a letter together at their kitchen tableLife Insurance

Final expense insurance vs a prepaid funeral plan

Both pay for a funeral. They work differently, and one of them travels with you.

4 min readRead
Health conditions

Life insurance with a health condition

What carriers ask, what usually qualifies, and what to have ready.

Insurance glossary

Every term you will hear on a call, defined in one line.

Open the glossary
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