Keeping Health Insurance Simple Blog
The More You Know: 5 Types of Medications That Can Impact Kidney Health
Your kidneys are your body’s ultimate filtration system. Every day, they process about 200 quarts of blog to sift out waste and extra water. Because many medications are processed and cleared through the kidneys, certain drugs can put a significant strain on these...
The 2027 Medicare Rate Announcement: What it Means for You
Every Spring, the Centers for Medicare & Medicaid Services (CMS) releases a “Rate Announcement.” While it might sound like a boring government document that doesn’t matter to you, it’s actually the blueprint to improve payment accuracy across both programs. The...
Blooming Flowers vs. Seasonal Allergies: An Insurance Survival Guide For Allergies
Spring in Central Indiana is a bit of a double-edged sword. While we all love seeing the tulips and redbuds bloom in Central Indiana, those vibrant colors often come with a side of itchy eyes, sneezing, and congestion. At KSS Insurance, we know that “seasonal”...
A Guide to Final Expense Insurance
When we talk about life insurance, we often think of “the big stuff”—replacing a salary, paying off a mortgage , or funding a grandchild’s college education. But there are smaller, equally vital types of protection that many families are prioritizing in 2026: Final...
Don’t Leave Money on the Table: Your Medicare Advantage OTC Benefit
If you are enrolled in a Medicare Advantage (Part C) plan, you likely have a “hidden gem” in your wallet: the Over-the-counter (OTC) Allowance. Most plans provide a quarterly credit—often ranging from $50 to $150—to spend on everyday health items. These supplemental...
The Gap in Your Coverage: Is Long-Term Care Insurance Right for You?
When planning for retirement, we often focus on travel, family and daily expenses. However, there is one “what if” that many Americans avoid: What if I can no longer care for myself? According to the latest U.S. Department of Health and Human Services projections,...
Traveling? Don’t Leave Without Travel Health Insurance
Whether you’re crossing state lines to visit grandkids or crossing an ocean for a bucket-list cruise, your health insurance doesn't always pack its bags with you. Before you head out of Central Indiana, it's vital to know where your coverage stops. At KSS Insurance,...
Bridging the Gap: Why Supplemental Cancer Insurance is a Critical Addition to Your Coverage
We all know someone whose life is touched by cancer. While modern medical treatments are more effective than ever, the financial toll of a cancer diagnosis remains one of the biggest stressors for families in Central Indiana. According to the American Cancer Society,...
Growing the KSS Family: Welcoming the Karl Downey Agency
At KSS Insurance, our mission has always been built on a simple promise: to treat our clients with the same care and honesty we would give our own parents. As we step into 2026, we are thrilled to announce that our ability to serve you is growing! Please join us in...
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