-MEDICARE-

Are you turning 65 soon?
Now is the time (before you turn 65) to learn how Medicare works. We invite you to register online for our Medicare 101 Webinar. During this FREE virtual event over Zoom, you will learn about Original Medicare and how it works. We will delve into the various parts of Medicare (PART: A, B, C, and D) and talk about eligibility and time frames. We will then finish our time together by answering your questions.

Important Dates:
Every year (between October 15th and December 7th) is the Annual Election Period (AEP) for enrolling in a Medicare Advantage Plan or making changes to your Prescription Drug Plan. Just a few prescription changes can make a huge difference in which plan ends up being the best for you. As your Agent, I will take the time to research which plan will provide you with the most benefits.

FREE PLAN REVIEW:
We invite you to take advantage of our FREE Medicare Plan Review. Please use the link above to schedule a time that would work for you, or give us a call. 208-869-8024

-Health Insurance-

Are your looking for affordable health insurance?
You might qualify for an "Advanced Premium Tax Credit" (APTC) that could be applied to your health insurance premium if purchased through the Idaho marketplace (Your Health Idaho). This credit is determined based on your expected income for the year and household size.

Important Dates:
Every year (between November 1st and December 15th) is Open Enrollment for the Heath Exchange. This is your time to enroll for the first time or make a new health plan selection. You might qualify at other times of the year if you have a life-changing event (such as moving, loss of employment or a change in household size).

Take Note:
In order to qualify for a tax credit, you cannot have coverage from an employer. If your employer offers you insurance and you decline, you don’t qualify for the APTC. The second point to note; your APTC is based on your income. If your income is above what you anticipate, then you will have to pay back the excess when you file your tax return. If on the other hand, you make less, you will get that difference back. The last point that we want to highlight is that there is a minimum income threshold, based on family size, that must be met in order to qualify. If you don’t meet the minimum income limit, then you might qualify for Medicaid.

FREE Enrollment Help:
Let us help guide you through this process. As your Agent, we are able to help you with your application for the Advanced Premium Tax Credit and with the selection of a health insurance plan that meets your needs. Please use the link above to schedule a time that would work for you to talk or give us a call. 208-869-8024

-Employer Group Insurance-

Are you wanting to provide your empolyee's with health insurance?
Providing health insurance to your employees is a benefit that quality employees are looking for, something your competition might already be offering. When it comes to group health insurance, you have many decisions to make. Will the type of insurance you offer pay the entire premium or a percentage? Will family members be covered? Is there a waiting period for new employees to begin coverage? Would it be beneficial to offer an HSA (Health Savings Account) qualified plan? These are just some of the questions we will help you answer.

FREE Employer Benefits Review:
We invite you to take advantage of our FREE Employer Benefits Review. We listen to your needs and formulate a plan so that you can provide your empolyees an inurance package that will meet their needs. Please use the link above to schedule a time that would work for you, or give us a call. 208-869-8024

-Short-Term Health Insurance-

Do you need temporary health insurance (6 months or less)?
Then a short-term health insurance plan might just fit what you are looking for. There are no tax credits for this type of insurance, and it is temporary. I have included the links above to Blue Cross of Idaho and Select Health. Before you enroll online, please give me a call so I can guide you through the plan options.

Call me before you enroll online! 208-869-8024

-Travel Health Insurance-

Planing a vacation?
We hate to play the what-if game, but really that is what insurance is all about. What if you are touring South America and take a little trip off a step and end up in the local hospital with a broken leg? Unfortunately, it was a bad break and you need surgery. Will you have it there? Will you be flown home? Will your health insurance plan cover you outside the USA? For peace of mind, why not buy a travel health insurance policy? To help with your plans, please get a quote from our two carriers below, Geo Blue Travel Insurance and HTH Travel Insurance

Geo Blue Travel Insurance
GeoBlue provides travel health insurance plans and assistance services to 650,000 travelers per year. GeoBlue programs are distinguished by a contracted community of over 6,000 elite providers in 190 countries. Click Here For a Free Quote From Geo Blue

HTH Travel Insurance
HTH Worldwide delivers exceptional member service and medical assistance. All their plans include the mPassport mobile app, which provides you with convenient access to the best local doctors, hospitals and resources anywhere in the world. Click Here For a Free Quote From HTH

-Dental and Vision Insurance-

If you have questions or need help selecting a plan for either dental or vision, please give me a call 208-869-8024

-Life Insurance-

Life insurance! It is the responsible thing to have.
If you are the primary bread winner in your family, what would happen if you were to pass away? No, we don’t like talking about such things, but the reality is we just don’t know what tomorrow will bring. Having life insurance, be it permanent life or term life insurance, can give you peace of mind now, knowing you are looking out for the ones you care about most.

So what type of insurance do you need? That really depends on your goals. For example, are you looking to provide for your spouse so the house can be paid off? Perhaps paying for your children’s education? Then term life insurance might just be the answer. This type of insurance is in effect for a set amount of time (10, 15, 20 or 30 years is the most common). At the end of the term, the insurance stops unless you have the option to convert to a permanent or whole life insurance policy. This type of insurance is usually quite affordable.

Now, what if you want to look more long term? Then a whole life policy might be the ticket. This type of policy often times (but not always) will build cash value that you can use later in life.

There are many options, and many carriers that we can consult with to find you exactly what will take care of your needs. Please Schedule an appointment with me so we can look at your options and find a ploicy that will take care of your needs.

-Hospital Indemnity-

Great Add'on to Medicare Advantage Plans
Please watch the above video as it nicely shows how this would work with a Medicare Advantage plan. Please note, this can be purchased at anytime, not just during open enrollment.
Please Schedule an Appointment with me, or give me a call so I can get you a free quote.

-Glic Rx Savings Card (Free)-

Would you like to save on your prescription meds?
As your health insurance agent, my first goal is to try to find a health insurance or prescription drug plan that will pay the most for your prescription drugs.  Sometimes insurance just does not pay as much as we would like.  That is where the prescription savings card comes into play. This is a great option for ones that don't have any prescription drug coverage or perhaps a very high deductible.  It also might help Medicare recipients from entering the "doughnut hole".   This card is free to use, so why not give it try?