Why Long-Term Care Planning and Estate Planning Go Hand in Hand

If there’s one lesson I’ve learned after helping hundreds of families prepare for retirement, it’s this:

The best plans are made before they’re needed.

Recently, I sat down with estate planning […]

Medicare continues to evolve, and one of the latest proposed changes from the Trump Administration is the decision to end a Medicare prescription drug subsidy program that was created as a temporary measure to help stabilize premiums in the Medicare Part D market.

If you’re enrolled in Medicare—or approaching retirement—it’s […]

Turning 65 and becoming eligible for Medicare is a major milestone. Unfortunately, it’s also one of the most confusing times for many Americans. Medicare has many moving parts, and making the wrong decision can lead to unnecessary costs, coverage gaps, and lifelong penalties.

At Stark Associates Insurance Agency, we help […]

For years, one of the most common questions we’ve heard at Stark Associates Insurance Agency has been:

“Will Medicare ever cover weight-loss medications?”

Until recently, the answer was generally no.

Now, that has changed for many Medicare beneficiaries.

Beginning July 1, 2026, the Centers for Medicare & Medicaid Services (CMS) […]

When people begin researching long-term care insurance, they often focus on what a policy covers. While that’s important, it’s just as critical to understand what isn’t covered. Knowing the limitations of a long-term care policy can help you make better decisions, avoid surprises, and ensure you’re properly prepared for the […]

One of the most common questions people ask when considering long-term care insurance is:

“Will I ever actually use it?”

It’s a fair question. Nobody wants to pay premiums for years only to discover they never needed the coverage. However, the reality is that long-term care insurance is designed to […]