What's New

Medicare’s Annual Enrollment Period (AEP) runs from October 15 through December 7 , and it’s the time each year when you can review, compare, and make changes to your Medicare Advantage and Medicare Part D prescription drug plans. Any changes you make during this period will take effect January 1, 2026. With plan benefits, premiums, and provider networks changing annually, it’s important to take a fresh look to ensure your coverage still meets your health and budget needs.

What Should You Do?

• Review your Annual Notice of Change (ANOC) from your current plan
• Make a list of your providers and medications to confirm they’re covered
• Reach out early to schedule a one-on-one review with our team

As of October 1 , we are able to walk through your options and help you choose the plan that’s right for you. Contact us today to set up your review appointment so you’ll be ready when AEP officially opens.

When you think about life insurance, chances are you picture the support that comes to loved ones after you're gone. But did you know that some types of life insurance can do much more? Depending on the policy, life insurance can provide living benefits and even help with long-term planning. Here are a few lesser-known ways it can work for you:

College Funding: Some permanent life insurance policies build cash value over time. In certain situations, you can borrow against this cash value to help cover big expenses, like a child’s college tuition. It’s not a replacement for dedicated education savings, but it can provide flexibility when extra resources are needed.

Hybrid Life & Long-Term Care Coverage: Newer policies sometimes combine life insurance with long-term care benefits. That means if you ever need extended in-home help or a nursing facility, the policy can help cover those costs. And if you never use the long-term coverage, the life insurance benefit is still there for your family later.

Cash Value: Permanent life insurance plans may also allow you to borrow against the policy’s cash value during your lifetime. This can be used for unforeseen expenses, supplementing retirement income, or other needs. Of course, it’s important to understand how drawing on cash value affects the policy before making any moves.

Reach out to us to learn which types of policies offer these features, and which options might be a fit for your needs.

The ACA Marketplace Open Enrollment Period (OEP) is just around the corner. From November 1 through January 15 in most states, individuals and families can sign up for new coverage, renew existing plans, or switch to a different option if their needs or budget have changed.

Even if you’re happy with your current plan, it’s smart to take a second look. Provider networks, drug formularies, and monthly premiums can all shift from year to year, and a quick review could uncover savings or a better fit for your lifestyle.

With many plans and details to consider, OEP is the best time to make sure your health insurance works for you in the year ahead. Contact us for help reviewing your options before enrollment begins.