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 […]
Medicare Annual Notice of Change
September 25, 2018 by
Last week’s post regarding the Annual Election Period raised some important questions. One of those questions had to do with the Medicare Annual Notice of Change or ANOC. The Medicare Annual Notice of Change is a document or letter that lists any plan changes such as service area, premiums, deductibles, or any other costs associated […]
Annual Election Period
September 17, 2018 by
The Annual Election Period (AEP) will be here before you know it and runs between October 15, 2018 through December 7, 2018. This is time of the year that individuals that are on Medicare can make changes to either their Prescription Drug Plans or their Medicare Advantage Plans. Very soon, anyone that is on Medicare […]
Getting Back to Life
August 27, 2018 by
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 […]
Agent/Broker – What’s the Difference
July 30, 2018 by
There is one question that comes up very often. That question is what is the difference between an agent and a broker. Starting out in the insurance industry, I represented one insurance company. I started out as an agent or a captive agent as it is described by insurance companies. Although this was a […]
The Easy Way or The Hard Way
June 18, 2018 by
One of my favorite things about this time of the year is looking out our kitchen window and seeing our vegetable garden. I love to watch it grow and really enjoy working in the garden throughout the summer. This year we are growing carrots, tomatoes, string beans, peppers, radishes, beets, watermelon, onions, pumpkins, cabbage, and […]
Proper Planning
May 14, 2018 by
When any of us are getting ready for a vacation, planning has to happen. Depending on where you are going, will you fly, drive, or take a train? Where will you stay once you get there? What will you bring for clothes? Do you need any new clothes to bring with you? Shopping will have […]
New Medicare Cards
April 23, 2018 by
If you haven’t already heard, The Centers for Medicare and Medicaid will begin sending new Medicare cards at no cost to all Medicare beneficiaries this month. For this area of the country, Medicare will start sending out new cards after June. The new cards will be using randomly picked 11 character numbers called a Medicare […]
Insuring Security and Peace of Mind One Family at a Time
April 2, 2018 by
Sitting down with families, there is one common reason for not puchasing an insurance product. 90% of the time, it has to do with affordability. Many families are living paycheck to paycheck and just cannot add another bill to their already tight budget. Many families just cannot add one more bill to their increasingly growing […]
I Can Do It Myself
March 26, 2018 by
“I CAN DO IT MYSELF”! If you are a parent, there is a very strong chance that you have heard these exact words more than once. I certainly remember saying it to my parents and my sons certainly said it to me a few times. While children need to explore doing things themselves, it is […]