Changes in Income

There isn’t one person on this planet that hasn’t been affected by the Coronavirus.   Unemployment reached a sobering 30 million cases since the middle of March just today. Losing a job will give you the opportunity to be eligible for a Special Enrollment Period to get health insurance should you need to do so. But […]

Have Hope my Friends

All you have to do right now to become discouraged is to turn on the news.   It doesn’t take but a minute or two to become totally overwhelmed and/or discouraged just by reading one article online about Covid-19. As much as there is bad news, there is also good news.   Personally, this good news has […]

Unemployed – What are your Health Insurance Options

If you are now unemployed due to the Coronavirus, it’s understandable that not only are you concerned about finances, you may also be wondering – What about my health insurance? During this pandemic, it’s normal to want to make sure you don’t go without health insurance.    Please know that whether you have health insurance […]

Choices

We each make choices every single day of the week. Choices such as what time we get up, what we eat for breakfast, and what we wear are made every morning. Choices as to where we work, the friends we socialize with, where and who we live with are made with happiness in mind. Choices […]

Scrapbooking Your Life Story

When my husband turned 40, it was important to me to put his life story into memories by making him a scrapbook of his life. When our children graduated from high school, one of their gifts was a scrapbook. It took months and hours of work for every page, but the finished project was one […]

Is COBRA my Best Option

Is COBRA my best option?   This question has come up three times over the last two weeks and because of that, I thought it would be helpful to give you some information on how to decide if COBRA is your best option. In 1985, Congress passed a bill called the Consolidated Omnibus Budget Reconciliation Act, […]

Turning 65, Eligible for Medicare, and Don’t Know Where to Start

“I will be turning 65 this year, I’ll be eligible for Medicare, and I don’t have any idea of where to start”. This is a statement that comes my way several times a month.   It doesn’t matter how much education you have, Medicare is complex and you may not know where to begin.   Questions will […]

Blessings

  Laura Story is one of my favorite songwriters and singer.   This song, “Blessings” refrain goes like this: “Cause what if your blessings come through raindrops What if your healing comes through tears What if a thousand sleepness nights are what it takes to know You’re near What if trials of this life are your […]

The Countdown Is On

Already October!   It is so hard to believe that we are officially in the last quarter of 2018. We are also fourteen days away from the Annual Election Period for Medicare beneficiaries and one month away from the Open Enrollment for Health Insurance. What exactly does this mean? Regarding the Annual Election Period (AEP), this […]

Getting Back to Life

Looking at this picture, you may see a man (who also happens to be my husband) shooting a bow and arrow.    You may see a man that is practicing for the upcoming hunting season. Looking at this picture, I see something far more. Just about a year ago (On September 21, 2017 to be […]