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Insurance Tips and Topics
Homeowners Insurance and Living Trust: What to Update
Setting up a living trust is a smart estate planning move. But transferring property into one without updating your insurance? That’s where things can go sideways fast. Homeowners insurance for trusts is one of the easiest details to overlook when setting up a living...
Coinsurance in Property Insurance: What It Is and Why It Matters
Most property owners have never heard of coinsurance until they file a claim. By then, it’s too late to fix. There’s a clause sitting in most commercial and some residential property insurance policies that goes largely unnoticed until something goes wrong. It’s...
Car Insurance in Denton, Texas: What You Need to Know (and What You Might Be Overpaying)
If you are looking for car insurance in Denton, TX, you have come to the right place. Whether you are a longtime Denton resident, a student at the University of North Texas or Texas Woman’s University, or a newcomer to this fast-growing city, finding the right auto...
Prescription Drug Prices: Why They’re Breaking Millions of Budgets?
A Consumer Guide to Understanding — and Fighting Back Against — High Drug Costs The cost of prescription drugs is a top health policy issue for consumers of all ages. Whether you have group health insurance through your employer, an individual plan through the ACA...
Homeowners Insurance Questions Answered
How are home insurance premiums calculated? Several factors related to both your home, and you influence your homeowners insurance rate. Your homes characteristics such as the age of your home, structure, build quality, location of your home, and the age of your roof...
Key Differences Between Medicare Advantage and Medicare Supplements
Key Differences Between Medicare Advantage and Medigap
Understanding IRMAA: A Complete Guide to Medicare Surcharges and How to Appeal
If you're among the approximately 8% of Medicare beneficiaries paying a surcharge on top of your standard Part B premium, you're probably wondering why this is happening and what you can do about it. The good news is that in certain circumstances, you may be able to...
Do You Need Medicare if You Are Still Working?
You may want to delay enrolling in Medicare if you or your spouse are still working, and you have health insurance through that employer. This may be a good choice if you’re happy with your current health insurance and it meets requirements for delaying Medicare...
Why North Texas Insurance Rates Keep Rising
If you've received your insurance renewal notice recently, you're probably wondering why your rates have jumped again. You're not alone—homeowners and drivers across North Texas are facing significant insurance premium increases that seem to grow every year....
Travel with Confidence: A Guide to Insurance
Planning a trip can be exciting, but it also comes with uncertainties. What happens if your flight is canceled, your luggage gets lost, or you have a medical emergency far from home? This is where traveler's insurance comes in. Think of it as a safety net that...
Medicare Changes Coming in 2026: What You Need to Know
Medicare is evolving, and 2026 brings significant changes that could affect your healthcare coverage and costs. Understanding these updates ahead of time helps you make informed decisions about your medical care and budget planning. Whether you're currently enrolled...
How Social Security Retirement Benefits Are Calculated (AIME to PIA)
Social Security retirement benefits serve as a financial foundation for millions of Americans. Understanding how these benefits are calculated can help you make informed decisions about your retirement planning and know what to expect when you're ready to claim your...
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About the Author
Bob Garrison has more than 15 years of experience helping people navigate the mysteries of insurance. He is one of the nation’s leading experts on health insurance and author of the recently published book, The ABC’s & D of Medicare: Medicare Made Simple. Currently he is president of Insurance Connection USA, a regional insurance brokerage.
Garrison and his team provide Insurance education and solutions to thousands of people. He partners with companies like Mass Mutual and Edward Jones to assist their clients in selecting the best solutions for Home, Auto, Medicare and Business insurance.
After graduating from the University of Central Washington, Garrison started his career in the Media business serving in Senior Management positions with Gannett, Disney and ABC Television.
In 2004 Garrison expanded into insurance joining Insurance Connection USA, Garrison is on the board of Dallas Association of Health Underwriters, has served on the Agent Advisory council for Cigna, and the Advisory Committee for Care N Care a regional Medicare Advantage Health Plan in Fort Worth. Garrison conducts education seminars on “Navigating Medicare” and also works with individuals consulting on health, property, Risk management and Medicare issues. Read More
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