Our Editorial

Heritage Insights:
News & Advice
for Your Future.

Practical guidance, plain-English Medicare updates, and retirement planning insights for Dayton-area families.

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Dogs are the best

During the Covid-19 outbreak in the US, our dogs are definitely benefitting from all the extra home time. Our dogs are getting several more…

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2020 Medicare Out of Pocket Costs

Original Medicare is not free for most people, unless you are on Medicaid or a Medicaid waiver or a State Medicare Savings Plan. Most…

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Dental- Medicare’s missing link

The lack of dental coverage in Medicare is an atrocious bit of neglect. Dental hygiene is not merely cosmetic but rather a major piece…

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SHIP- Free Medicare Help in Every State

All 50 states have a volunteer organization established, usually through the state department of insurance, to assist people in deciding how to manage Medicare.…

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Why the changes to Medicare Jan 1, 2020?

People eligible for Medicare prior to December 31, 2019 have additional options that those turning 65 after that date will not have. The significant…

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Practicing- dog photos

These are my dogs. We are just putting up content so my kids can see how to build a website. Hope you like Coco…