Entries by kingsgateinsur

Crop Insurance 101: Appraisals and Bin Measurements

Crop appraisals must be completed prior to destroying any crop or putting that crop to a different use. Pre-harvest appraisals are necessary when production will be stored in such a manner that production cannot be measured. If feeding production, consider having bins measured or pre-harvest appraisals completed before feeding starts, as fed record requirements are […]

Varsity Blues: Fall Sports Safety

Fall is finally here. For some of us, that means pumpkin spice and scary costumes; for others, it means watching football or getting a jump on holiday shopping.  But one of the most common activities in the fall is playing a sport and athletics. Sports and athletics cover all kinds of activities: school sports, travel […]

Medicare vs Medicaid

Medicare is a federal health insurance program primarily targeted at individuals aged 65 and older, as well as certain younger individuals with disabilities. It’s designed to provide coverage for essential medical services, including hospital stays, doctor visits, and prescription drugs. Medicare consists of different parts: Medicaid, is a joint federal and state program that provides […]

Tips for protecting your property this fall

With high inflation and supply chain delays, it’s more important now than ever to make sure your home and property are kept up-to-date and safe. Here are some preventative things you can do this fall to protect your property: 1. Check your smoke and carbon monoxide detectors. Smoke detectors have been around since the 1970s. Many […]

What is a Formulary?

A formularyis a list of prescription drugs that are approved for use within a specific health plan. Formularies categorize drugs into different tiers or levels, often referred to as ‘tiers.’ Each tier has a different level of coverage and cost-sharinglike copayments, coinsurance, or deductibles. Drugs in the lower tiers generally have lower out-of-pocket cost, while […]