Monday, November 24, 2014

Thanksgiving Office Hours


Monday 11/24/2014 - Wednesday 11/26/2014 open until 5 pm.
Closed Thursday and Friday
Reopen for business Monday December 1, 2014 at 9 am.

We wish to "Thank You" for your business.  May you and your family have a blessed Thanksgiving! 

Friday, November 21, 2014

Life Happens Video

Take a moment and watch this fantastic video from Life Happens...

Effective Date Rules for Health Insuance for enrolees under age 65

Health Insurance Effective Date Rules

Enrollment of plan between 1st and 15th, then the effective date of coverage will be on the 1st of the following month. 

Enrollment in a plan between the 16th and 30th/31st of the month, then the effective date of the newly selected plan is the 1st of the second following month.

The absolute last date a plan change can be made is the last day of Open Enrollment, 2/15/15.

Thursday, November 13, 2014

2015 Open Enrollment

2015 Open enrollment begins November 15, 2014

We have the 2015 rates available and three agents to service and help you.  Give Gina, Robin or Melissa a call.  Great news for you is there is no additional cost to you to have an agent to assist you.  If you are presently enrolled  you do not have to do anything as your plan will passively renew effective 1/1/15.  If you desire changes in plans for 2015 you need to make that selection between 11/15/14 and 12/15/14 to have 1/1/2015 effective date. 

If you enroll prior to January 15, 2015 coverage will be effective 2/1/2015.

If you enroll prior to February 15, 2015 coverage will be effective 3/1/2015.

After February 15, 2015 health insurance can not be purchased unless you have a special enrollment circumstance such as loss of coverage. 

Monday, October 6, 2014



Annual Election Period (AEP)

You have the ability to disenroll from a Medicare advantage plan and return to the traditional Medicare with the option of adding a Part D or Medicare Supplement plan from October 15 to December 7, 2014. 

Don't forget to contact us for your Medicare Supplement insurance as we have 3 licensed agents that can serve you. 

Thursday, August 21, 2014


Open enrollment to purchase  health insurance will be November 15, 2014-February 15, 2015.  You can purchase coverage if you have not been insured in the past or make changes in your plan.

If you have been insured on the exchange in January you will receive a tax document with the amount of premium assistance paid on your behalf during the year.  You will use that information when filing taxes to determine if the level of subsidy was too high or too low.

All adjustments will be made on your 2015 taxes.