Tom Minich - Insurance Agent

I’ve recently updated my website to better explain how I help individuals and families with life, health, and Medicare coverage. If you have questions or would like to connect, feel free to visit my site.

Home | Tom Munich Greetings, I’m Tom Minich — a trusted insurance agent with over 20 years of experience in life and health insurance. I’m passionate about helping new clients navigate their insurance needs while continuing to support the long-standing relationships I’ve built over the years. Together, we’l...

Please be aware of the spam/scam calls or text messages! This is a message on the Medicare.gov website.
https://www.medicare.gov/basics/reporting-medicare-fraud-and-abuse

Reporting Medicare fraud & abuse Medicare fraud and abuse can happen anywhere, and usually results in higher health care costs and taxes for everyone.

The Programs of All-Inclusive Care for the Elderly (PACE) provides comprehensive medical and social services to certain frail, community-dwelling elderly individuals, most of whom are dually eligible for Medicare and Medicaid benefits.
This could apply to yourself or a parent making large decisions for the future. Happy to assist

In a Medicare Advantage Plan? You can still make a change!
From January 1 – March 31, if you’re in a Medicare Advantage Plan, you can switch plans or return to Original Medicare and join a separate Medicare drug plan. You can also add your providers while you’re comparing plans and find out if they participate in the plans you’re considering.
As we move further into 2026 and you have additional questions concerning your medicare plan, Let me know to assist.

A Medicare educational meeting will begin at 1pm tomorrow at the William K. Sanford Town Library, Stedman Room. Visitors can check at the information desk for directions to the room. The library is located at 629 Albany Shaker Road, Loudonville, NY.
Individuals who are approaching age 65 or older and wish to learn more about upcoming Medicare benefits may attend to receive information about the next steps, options, and opportunities

Your Health for What Matters! Preventive & Screening Services. Follow this link for more details. If you have any questions let me know.

Preventive & screening services Plan ahead with preventive health screening services coverage. Get info on costs, how often it's covered, what falls under Medicare Part B, and more.

Four Parts of Medicare - Click on the link below for a short slide show for review. Any questions, let me know.

advocatehealthllc-my.sharepoint.com

How Much Disability Insurance Do You Need?
Personalized Needs:
There's no one-size-fits-all answer. Your needs are based on your individual circumstances, including:

Monthly Expenses: Calculate your monthly living expenses, including housing, utilities, food, healthcare, transportation, etc.

Potential Reduced Expenses: Consider if some expenses might decrease if you're unable to work (e.g., commuting, professional wardrobe).
Other Income Sources: Account for any other income you might have, such as savings, investments, or Social Security benefits.

Debt Payments: Factor in debt payments like student loans, personal loans, and credit card debt.

Important information from N.A.I.C. (National Association of Insurance Commissioners) regarding how to choose the proper life insurance policy. Also, descriptions for Term and Whole (cash value) policies.

What Type of Life Insurance Is Right for You? All life insurance policies have one thing in common – they’re designed to pay money to “named beneficiaries” when you die. The beneficiaries can be one or more individuals or even an organization. In most cases, policies are purchased by the person whose life is insured. However, life insur...

I am often asked to describe Combined Insurance and the best choice for them. The following link from "Trusted Source" by Christine Lacagnina provides great information.

Combined Insurance Pros & Cons: Top Experts Review Founded in 1922, Combined Insurance offers supplemental life and health insurance coverage for individuals and employers.

Going Digital with Medicare - May 31 sign up date.
Follow this link to sign up! Need help let me know?

Medicare.gov