Insurance Blog

From Horner Insurance, LLC

Family gathered at a kitchen table, smiling at the camera. Food and drinks are present.
By Richard Horner December 8, 2025
Make the most of the holiday season with simple, healthy habits for eating, drinking, exercise, and stress relief. Enjoy the festivities without sacrificing your well-being.
Woman reading a book, resting against a tree in a forest, feet up, sunlight.
By Richard Horner November 24, 2025
Medicare mental health coverage is expanding in 2025! Learn about the new access to LPCs and MFTs, continued telehealth support, Intensive Outpatient Programs (IOPs), and the $2,000 Part D drug cap.
Doctor speaking with an elderly couple in a medical office; doctor has arm around man.
By Richard Horner November 17, 2025
Annual Physical vs. Medicare Annual Wellness Visit (AWV): Learn the critical differences! The AWV is preventive and covered at $0, but a traditional physical is not. Avoid unexpected costs.
Older couple smiles while looking at a laptop together on a couch.
By Richard Horner November 10, 2025
Ready to choose a retirement community? Learn the different types (Service-Oriented vs. Standard), what key questions to ask current residents, and how to assess your needs, finances, and desired lifestyle.
Woman at a desk, looking at documents with a laptop open. She holds a pen, appearing concerned.
By Richard Horner November 3, 2025
Applying for life insurance? Learn what carriers really check besides your health—from your job to your habits. Get peace of mind, even if your health isn't perfect.
A hand putting a coin into a blue piggy bank on a white surface, teal background.
By Richard Horner October 31, 2025
Annuities offer guaranteed income for life. Learn why high interest rates, market volatility, and longevity risk make SPIAs and QLACs essential for retirement planning.
Two women stand against a pink background. One holds a pink ribbon. Both smile, promoting breast cancer awareness.
By Richard Horner October 25, 2025
Breast Cancer Awareness Month is a reminder to get screened. Learn about early detection, and explore supplemental financial protection options like Cancer, Critical Illness, and Disability insurance.
Pink bathroom scale with measuring tape, implying weight loss.
By Richard Horner October 20, 2025
Will Medicare cover GLP-1 weight-loss drugs like Wegovy and Ozempic? Learn why they are currently excluded and how a change could impact private health insurance coverage.
Pile of various colorful pills, including orange, white, and green capsules and tablets.
October 15, 2025
Major Medicare Part D changes arrive in 2026: a $2,100 out-of-pocket cap, new negotiated drug prices (including Eliquis & Jardiance), and the option for monthly payments.