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Ficon-Bush Insurance Agency Blog

All You Ever Wanted to Know About Insurance

How to Choose Smoke and Carbon Monoxide Detectors

Smoke and carbon monoxide detectors are essential for any home, so you should ensure that your house is equipped with them. You should have detectors in the main living areas on each floor, including in every bedroom...

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How to Make a Fire Safety Plan

No one likes to think about the possibility of a fire in their home, but this is one situation where it definitely pays to be prepared. This is especially true if you have children or pets in your home. Read on to learn...

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Medicare Part D - Late Enrollment Penalty Explained

- Part D late enrollment penalty - The late enrollment penalty is an amount that's permanently added to your Medicare drug coverage (Part D) premium. You may owe a late enrollment penalty if at any time after your...

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How to Decide If Solar Panels Are Right for Your Home

Solar panels can provide clean electricity for your home, helping you to save money on energy costs while also doing your part to help the environment. However, not all homes are suited to solar energy. Here's what you...

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10 Frequently Asked Questions about Medicare Plans

1. What is Original Medicare? - The term “Original Medicare” refers to Medicare Part A and Part B. Part A helps cover the cost of hospital-related care, including inpatient services, lab tests and surgery. Part B is the...

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Understanding Medicare Parts A and B Coverage Gaps

Medicare Parts A and B Coverage Gaps - Original Medicare offers Part A (hospital insurance) and Part B (medical insurance)-coverage that covers many of your healthcare needs once you enroll. But it doesn’t cover...

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When can I join, switch, or drop a Medicare Advantage Plan?

You can only join, switch, or drop a Medicare Advantage Plan during the three enrollment periods described below:1. Enrollment Period - When you first become eligible for Medicare, you can sign up during your Initial...

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Medicare Advantage - Who can join?

Who can join a Medicare Advantage Plan? - To join a Medicare Advantage Plan you must: Have Part A and Part B Medicare.Live in the plan's service area. What if I have a pre-existing condition? You can join a Medicare...

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Medicare Advantage Plans Explained

What are Medicare Advantage Plans? A Medicare Advantage Plan is another way to get your Medicare Part A and Part B coverage. Medicare Advantage Plans, sometimes called “Part C” are offered by Medicare-approved private...

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How Independent Agents Are Different from Captive Agents

When it comes to buying insurance, you have two primary options available to you: independent agents like us, and captive agents. While both can provide insurance services, these two types of insurance agents are not...

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Benefits of Using a Dash Cam

More and more people these days are choosing to add dash cams to their vehicles, and for good reason. These small cameras can be highly useful to you, especially in the event that you get a traffic ticket or are...

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We are hiring in our Oak Hill office!!

Summary: At Ficon-Bush Insurance, we strive to help the local community with their insurance needs and support our customers in every way possible. Due to current and expected future growth, we are seeking a customer...

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Swimming Safety: 10 Tips for Summer

Summer is here and people are flocking to the water - whether it’s the beach, a lake, a river or a backyard pool. But, wherever there’s water, there’s also danger. According to the U.S. Centers for Disease Control and...

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Why You May Need Personal Offense Coverage

In today’s digital world, slander and libel lawsuits are more common than you may think. Comments made in haste or anger on social media can have lasting and far-reaching effects on a person’s reputation or character,...

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Inexpensive Fixes for a Safer Home

Home improvement: It’s a never-ending process for many people, and for those of us who aren’t necessarily handy, it can be a hassle, too. But there are plenty of simple maintenance tasks and other improvements you can...

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Why a Basic Homeowners Policy is Not Always Enough

Sometimes a basic homeowners policy just isn’t enough. So as your career advances and your income increases, it’s important to keep your insurance protection up to date. This helps you avoid expensive gaps in coverage...

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10 Tips to Help Prevent Identity Theft

Shopping online. Visiting the doctor. Buying gas. In nearly all of the things we do from day to day, there’s the risk of identity theft. You could unknowingly give your information to a fraudster thinking you’re...

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Own a home? Here are two policy options you should know about

If you have a homeowners policy, you probably expect it to cover all the costs of rebuilding your house in case it’s damaged or destroyed by a covered hazard. But are you certain you have enough coverage? Read about two...

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Life Insurance Myths

The decision to buy life insurance is often met with confusion, denial or hesitancy. After all, it's not an easy subject to think about: What would happen if you were to pass away? However, your family's future depends...

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Porch Safety: Should You Leave the Lights On?

It seems like a no-brainer to leave the lights on outside your home to deter burglars while you’re away (or even while you’re asleep). But does that really work? Or is it just a waste of electricity — particularly this...

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