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).