Brooks, Todd & McNeil Agency Blog

Latest Post: April 2, 2025

The Cost of Nonpayment: How Lapsed Insurance Hurts Your Business

The envelope remains unopened on your desk — this is your third notification. Last month's business insurance payment didn't go out. Production costs were high, and something had to give. You figured you'd catch up next week. But time keeps passing by. Most insurers offer a short grace period —...

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September 12, 2022 Ransomware: How You Can Protect Your Business

Knowing how to fight against ransomware is essential to protect your business from irreversible harm is critical. Businesses have become popular targets for cyber attacks. Ransomware is a common malware that prevents people from accessing their files or computer systems. The criminals then demand payment of a ransom under the…

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September 09, 2022 You Missed the Medicare Annual Enrollment Period, Now What?

Don’t worry, you still have options. If you are eligible for the federal Medicare program, the Medicare Annual Enrollment Period (AEP) allows you the opportunity each year to enroll in a new plan or switch plans. The Annual Enrollment Period runs from October 15th to December 7th and allows 7…

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September 08, 2022 What Happens When You Have Medicare and Employer Coverage?

Working Past Age 65? Even if you are still working and covered by your employer plan, you are first eligible for Medicare during what’s called your Initial Enrollment Period (IEP). The IEP begins 3 months before the month of your 65th birthday and ends 3 months after the month of…

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September 08, 2022 Back to the Basics: The ABCs and D of Medicare

The Basic Parts of Medicare (Parts A, B, C and D) There are four parts of Medicare. You have likely heard about Original, or Traditional, Medicare, offered by the federal government, which most United States citizens are eligible for at the age of 65. Original Medicare covers Part A and…

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September 05, 2022 Medicare Prescription Drug Average Likely to Fall in 2023

Medicare prescription drug average is likely to fall by the time 2023 comes around, creating some options for patients. Medicare is national health insurance run by the government. The original plan, known as Part A and Part B, does not cover all medical services, treatments, or expenses. Many individuals purchase…

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August 29, 2022 What to Do When Your Car Breaks Down

It is vital and lifesaving to know what to do when your car breaks down on the side of the road, and it could save a life. Even if you have towing or roadside coverage on your auto insurance, the first time your car breaks down can be a frightening…

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August 29, 2022 When Medicare’s Annual Enrollment Period is and Why It Matters

Don't wait until the last moment to consider your Medicare options. Medicare's Annual Enrollment Period runs annually from October 15th through December 7th. If you are at least 65 or older and eligible for Medicare, here is what to know as you review your Medicare plan options. If you currently have…

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August 15, 2022 Digital Transformation: The Positives and Negatives

A digital transformation can cause changes, inevitably producing benefits and disadvantages, especially for those in the industry. This term refers to the continuous introduction of new technology in the insurance sector, including machine learning, artificial intelligence, and data management tools. Digital Transformation: The Ups and Downs You might wonder —…

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August 08, 2022 How Open Payments Affect Medicare

There are specific ways that open payments affect Medicare that people need to understand so they can adjust accordingly. According to the Centers for Medicare and Medicaid Services, 6.27% of all payments made with Medicare funds are improper or fraudulent. This number demonstrates the problem that open payments seek to address.…

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