It’s time to protect your house

I hope you are having a great week despite this crazy year and Happy Halloween!

Thank goodness we’ve had six inches of snow and that has helped to slow down the fires. Sadly, many people here have lost homes and bad things are happening in the south because of the hurricanes.

If you want to make certain your home is protected from catastrophic loss, click on the picture below and find out what I discovered.

Except for losing a family member, few things are harder than losing your home or having it destroyed by a natural disaster.

Nevertheless, it’s estimated that 40% of American homes are under insured.  That means if something happens to your home, the insurance refund you receive may not be enough to cover the cost of repairing or rebuilding your home.

If you’ve updated your home or you haven’t reviewed your Property and Casualty insurance in a while, now is the time to act.

Use your phone to make a video recording from basement to attic of all of your possessions (even your clothes) and talk to your agent (remember I only do Medicare).

Here’s a great article  to help you protect your home.

That’s it for this week. If you or your friends need a review of your Medicare coverage, book a time on my calendar.

Happy Halloween!

Are you taking too many drugs?

Hey Neighbor,

I hope you are having a great week. It’s been quiet here in our house.

My wife Q is back east visiting her parents in South Carolina, and even though I’m super busy, I miss her company. That’s what happens after 30 years of marriage, right?

If you’ve seen the 500 Medicare commercials already with super happy seniors, you know it’s the Annual Election Period.

It’s been great catching up with clients I haven’t spoken to in a while and making sure their Medicare coverage is up to date.

Today I spoke with Nancy, a long time client in Georgia. Her comments really got me thinking about a problem I see  more often than I should.

Click on the picture below and learn something that might save your life and even save you money.

Of course medications have improved the quality and the length of the lives of many Americans. Sadly, the medical industrial complex has made it way too easy to be over medicated. Many Americans continue to take medications long after the need for them is over.

One doctor will prescribe a medication and another doctor will be hesitant to end it because of miscommunication. Even worse, the more meds you take, the greater the risk of negative side effects. Talk to your doctor, talk to pharmacist.

Review your medications and understand why you are taking each medicine you take. Check out this article and, as they said in the movie Blaze, “never trust a man who says trust me.”

That’s it for this week. If you’re unsure of your coverage and you need a Medicare Insurance review, or your friends need help, book a time on my calendar and I’ll do my best to help.

Be well, be kind, be safe, one nation under God.

Do you know the difference between a Medicare Insurance Broker and a Captive Agent?

I hope your week is going well despite these crazy times.

It’s beginning to feel like fall here. Can  you believe we’re already having snow in the mountains? Hopefully it’ll put out some of the fires.

Not knowing the difference between a Broker and an Captive Agent during this Annual Election Period can cause consumers to seriously limit their Medicare options.  Click on the picture below to learn more and to see my family 😊.

When I first began working in insurance many years ago, I was a Captive Agent.  But after two months, it became clear that I couldn’t truly help people shop for coverage unless I became independent and I’ve been a Broker ever since.

What I love about being a Medicare Insurance Broker is the freedom to provide clients with the unvarnished truth, the good, the bad and the ugly about all the plans. I’m not always able to help everyone, but I do try to do my best and to learn from every interaction and continue to grow. That’s all we can do, right?

The Annual Election Period is now in full swing and all of the plans for 2021 are out. Medicare Supplement Plans really don’t change much from year to year. Many of the Medicare Advantage Plans have raised their Maximum out of Pocket levels but they’ve also increased some of their offerings, $0 copay telehealth visits and over the counter spending benefits. Every person’s needs are different.

The important thing? Book a time on my calendar if you are not sure if your current coverage fits the bill. Also remember to look at your drug costs and make certain your drug coverage is still working, especially if your taking expensive brand name drugs.

Have a great week and let your friends know I’m here if they have questions about Medicare.

Who needs a flu shot?

Greetings Neighbor.

I hope this note finds you in great health and excellent spirits despite the crazy times.

Elections, COVID, and crazy weather, believe me, everyone is ready for 2020 to finish 😊.

We’ve been getting a ton of questions about the new flu, and from what I am reading, this year’s strain could be extra dangerous. Click on picture and learn how to protect yourself.

Of course you know you need a flu shot, but did you get one yet? If you have a Medicare Supplement, getting the shot in your local pharmacy for most plans will keep the cost to $0.

If you have an Advantage Plan, confirm with your doctor’s office there is no copay.

In talking with my pharmacist, there are different versions of the vaccine, but they were recommending the High Dose Flu vaccine. It has four times as many antigens (whatever those are). Talk to your doctor, but do the right thing, please, because I actually like having Medicare clients 😊.

Here’s more information about the flu and vaccination options.

Remember, the Annual Election Period is upon us and the new plans for 2021 are finally out. Let me know if your friends and family need help, that’s why I’m here.

Stay safe and please book a time on my calendar if you need me (my calendar only runs 7 days in advance, so be patient).


What do you know about COVID-19 and Social Security?

Greetings Neighbor!

I hope you are having a great week despite the crazy times. We’re having beautiful fall weather here except for the ashes from the fires on the patio every morning. Like you, I can’t wait for 2020 to end.

In the meantime, I keep doing my best to help people with their Medicare Insurance questions. This week, I learned two super interesting things. The first may help you avoid dying (seriously) and the second could help you avoid running out of money.  Click on my picture to watch the video.

Vitamin D, who knew it was this important? Having adequate Vitamin D levels seems to be critically important in strengthening the body’s natural immune system from the COVID virus, reducing the risk of contracting and surviving the virus by 50%.  That’s huge!  You can get vitamin D from the sun, in your foods or as a supplement.  So if your not sure, talk to doctor or your pharmacist and check out this article.

As mentioned in the video, three different clients starting Medicare this week asked me the best time to start Social Security. Now I am NOT a financial planner and I don’t play one on TV, but this is what I learned from Social Security Planning workshop this week:

You can start Social Security as earlier as 62 and as late as age 70.

Depending on your income, up to 85% of your Social Security income will be taxed.

The earlier you take Social Security, the less you receive.

Now some folks need the money immediately to replace lost work income. Others can afford to wait or maybe they plan to work part time till age 70 to max out the Social Security income.  There is no single correct answer so do talk to your CPA, your financial planner
or your wife 😉 (she’s the boss in our house) to find out what makes sense for you and your tribe. Here’s a link to the Social Security brochure with more information.

Drum roll please… the Annual Election Period for Medicare has begun. Plans are now available to review, changes can be made October 15th through December 7th. Do read through your Annual Notice of Changes and if you have questions, please book a time on my calendar and tell your friends to call me or book a time on my calendar if they have questions.