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Text Message Spam

If you have a smart phone than you are receiving text message spam. Text message spam is to your cell phone what email spam is to your personal computer. They all want to get your personal information. However, text message spam is a triple threat. It often uses the promise of free gifts or product […]

The Impact of Stress

Everyone feels stressed at one time or another. But what does it mean to feel stressed? Is stress be good for you? Or, is it bad for you? According to the Mayo Clinic, stress is your body’s response to the demands of life. A small amount of stress can be good, motivating you to finish […]

Close to Retirement or Already Retired?

Do You Still Need Life Insurance? Are you close to retirement or maybe you already are retired? Are you wondering if you still need life insurance? Well, it all depends. Maybe you still have dependents or financial obligations, such as the mortgage on a home or second home. If you died today, could your family […]

Identity theft: protect yourself and Medicare information

Identity theft is a serious crime that happens when someone uses your personal information without your consent to commit fraud or other crimes. Personal information includes things like your name and your Social Security, Medicare, or credit card numbers. Guard your Medicare card to protect your personal information To help protect your identity, Medicare mailed […]

Why an Insurance Agent Makes a Difference When Buying an Insurance Plan

Buying Medicare health insurance, life insurance or any other insurance can be complicated. There are so many details and decisions to make. That’s why it helps to have an expert on your side. That expert, is me, your insurance agent.  My role is to help you through the insurance buying process. I know there are […]

Spring Is Around the Corner: Take the Time to Focus on Getting Heart Fit!

This winter has been brutal for most of us. Between the polar vortex, snow in Hawaii (yes that happened) and extreme rainfall, we’re all ready for a bit of sun and warmth. However, right now, most of us want to do nothing more than get home at the end of a work day and hibernate.  […]

Quick and Efficient Way to Check on Medicare Costs

Did you know that there is a quick way to check if your medical item or service covered by Medicare Part A and/or Part B. Medicare’s new free “What’s covered” app delivers cost and coverage information right on your smartphone. Now you can quickly see whether Medicare covers your service in the doctor’s office, the […]

Helpful Tips to Save on Healthcare Costs

Did you know that there are many ways to save on your health care costs? Here are a few suggestions to help manage your healthcare costs. Stay Within Your Network Out of network providers can charge more and their services usually require a higher deductible and higher annual limit on your out-of-pocket expenses. If you […]

It’s time for your end-of-the-year insurance review

It’s one of those things that is easy to overlook – taking the time to review your insurance coverage. Why is this so important? Well, let’s start with the knowledge that you work hard and want to protect your income. That’s why it’s so important to review your family’s insurance needs annually to make sure […]

Wishing You a Happy Holiday Season And Healthy New Year

Here we are again in the midst of the holiday hustle and bustle. During this very busy season, we want to stop to take a few minutes to wish you a happy holiday and wonderful New Year. At this time of the year, we believe it’s important to reach out with a very BIG thank […]

Five Health “Hacks” For Happy Holidays

Thanksgiving is behind us. We survived the stampede on “Black Friday” and “Cyber Monday”. A few of us even already have holiday decorations up. We’re not quite at the holiday “half way” mark. To help you make it across the finish line (into 2019!) happy, healthy, and well rested, we’ve collected these five simple health “hacks” that will help you make it through the holidays.

Do You Know What These Key Insurance Terms Mean?

Let’s review a few key insurance terms to make sure you understand what they mean. And, give us a call, if you have any questions about your coverage. Medicare Part A: Government insurance that covers hospital, rehab, part-time or intermittent skilled nursing care and hospice costs. Part B: Government insurance that covers, doctor visits, ambulance […]

Dates and deadlines for 2019 Individual Health Insurance Coverage

The 2019 Open Enrollment Period runs from Thursday, November 1, 2018, to Saturday, December 15, 2018. This is true for all states that do not have their own health exchange, such as California. Remember, if you don’t act by December 15, you can’t get 2019 health care coverage unless you qualify for a Special Enrollment […]

It’s Medicare Open Enrollment

  It’s Medicare Open Enrollment and now is the time to review your coverage for 2019. Think about what has changed in the last year and what your needs will be in the coming year. This will help you find a Medicare plan that suits your needs. Here are five questions to help you determine […]

It’s Medicare Open Enrollment Period – Let Us Help You Get Ready

Now that it’s Medicare’s Annual Election Period (AEP) you can switch your Part D or Medicare Advantage plan. Also known as open enrollment, it happens every year from October 15 to December 7, for a plan taking effect January 1. During Medicare Open Enrollment 2018 you cannot do the following: Join Part B, unless you […]