Spring has sprung and so much has happened lately there's no doubt change is in the air. Last week we had a full solar eclipse, a comet pass close to the earth and a crazy storm! I don't know if it was a named storm but she sure was angry as all get out - thunder and lightning, torrential rains, and tossing out tornadoes left and right. What does this have to do with Insurance? Everything! If you haven't reviewed your insurance policies wouldn't now be a good time to do so? Springtime brings people out of the house, gardening, landscaping, cleaning and otherwise beautifying their home and yard. After the wildfires of last year, please practice outdoor fire safety stay up to date on burn bans in the area. Hurricane season is fast approaching. Are you prepared? Do you know what your homeowner policy does and does not cover? What about your automobile or flood policies? Are you familiar with Binding Restrictions and when/why they go in effect? Along with longer days we have kids going to prom and school is ending soon so watch out for those young drivers! Especially those in Driver's Ed or newly licensed. AND beware of the folks using e-bikes for transportation. Kids will be kids so pay close attention in neighborhoods and country roads where they may be driving a cart or operating/riding an ATV. Boats are out and about on our local waterways. Is yours properly insured? Summer is right around the corner and with it vacation and travel plans. Is your RV, Motorhome or Camper properly insured? If you're taking a trip abroad, have you renewed your passport and/or purchased travel insurance? Are you turning 65 this summer? Have you gotten your Medicare insurance in place? Don't call the number on a television ad and be careful to avoid the Medicare scams out there. Why not, shop local and contact our experienced, knowledgeable Medicare agent? Just a few reminders of what's important over the next few months. Until next time, take care and get out and enjoy the beautiful weather as often as you can! Tommy Curtis and Staff Disclaimers:
ALL material on this blog is available for informational purposes only. Life, Health and Medicare Products marketed through Curtis & Associates Financial Services, Inc. {A Life and Health Agency} Medicare has neither endorsed nor reviewed this information. Not connected or affiliated with any United States Government or State agency. Calling this number will direct you to a licensed Agent/Broker. *By contacting us and providing information, you agree that an authorized representative or licensed insurance agent may contact you by phone, e-mail or mail to answer your questions and provide additional information about Medicare Advantage, Part D or Medicare Supplement Insurance plans. Article © 2023 Pamela S Thibodeaux That their child is growing up fills parents with a mixture of pride and trepidation. True, having an extra driver in the home helps when it comes to extracurricular activities and quick trips to the grocery store, but the worry and fear of them on the road are real. So, what are some things parents can do to prepare for their teen getting a driver's license? Well, it's that time of year again.... Time to say goodbye to 2022 and hello to 2023! Medicare Annual Enrollment Period (AEP) ended on December 7th but OEP (Open enrollment period -which allows you a one-time change in your MA plan) opens January 1st through March 31st. If you're turning 65 in Jan, February or March 2023 or getting Medicare due to disability and/or Medicare & Medicaid, and you haven't already set up your Medicare Insurance plan(s) contact our Licensed Medicare Agent today. We will be closed on December 26th and January 2nd in observance of Christmas and New Year's but look forward to meeting your Auto, Recreational Vehicle and Medicare needs in 2023. Until next time.... Take care and enjoy a Happy & Blessed Holiday Season! Tommy Curtis and Staff Disclaimers: ALL material on this blog is available for informational purposes only. Life and Medicare Products marketed through Curtis & Associates Financial Services, Inc. {A Life and Health Agency} Medicare has neither endorsed nor reviewed this information. Not connected or affiliated with any United States Government or State agency. Calling this number will direct you to a licensed Agent/Broker. *By contacting us and providing information, you agree that an authorized representative or licensed insurance agent may contact you by phone, e-mail or mail to answer your questions and provide additional information about Medicare Advantage, Part D or Medicare Supplement Insurance plans. We've hardly had a chance to catch our breath after Hurricane Laura and here we are, facing Delta. We've shared with you tips on Hurricane Preparedness, travelling and moving but here are a few more tips we've learned since evacuating August 26th..... Even if you were lucky enough to not have a claim due to Laura, take your home and flood insurance policies with you should you evacuate for Delta! Many folks were left unprepared to file their claim because they didn't think to grab that insurance policy when packing to evacuate. Your policy gives important details about your coverage as well as phone numbers you need in the instance of a claim. Make sure your auto policy is with you also, especially if you have Comprehensive and Collision coverage and be sure you have a current ID card on hand. If you evacuate and end up in the hospital - Do NOT allow anyone to change your Medicare plan! We've had this happen and the results are not always what is best for you. Your Medicare Supplement travels with you and your Medicare Advantage plan pays for emergency services whether you are in your network or not. Only in the instance of a permanent move outside your network area should you change your plan. Please be careful allowing someone to "help" you by changing "part" of your Medicare plan. A Medicare Advantage plan usually includes RX so someone changing "only the drug portion" - changes your entire plan! You may end up with only basic Medicare and a drug plan leaving YOU to pay the 20% Medicare does not pay on covered charges and perhaps even more. This is especially important if you're on Medicare AND Medicaid! Hope these tips help. Take care of your health and protect home as well as possible from further damage. I know, this isn't always easy, especially now, but do your best. We are praying with and for you. Tommy Curtis and Staff Life and Medicare Products marketed through Curtis & Associates Financial Services, Inc. {A Life and Health Agency} As we move into the second month of 2020, there are so many things to consider when thinking about your insurance. We're going to take a moment and direct you back to some of our most important and most informative posts throughout the past couple of years. It’s that time of year again…time when the kids are going back to school. And time when many young drivers will be out on the road, driving to class or extra-curricular activities. Perhaps even an after-school job. As adults, we’re used to road rules and know where everything is in our vehicles should we need to access them quickly. But our teenage and young-adult children aren’t. So, we’ve compiled a short list of things to do and check to provide a safe and confident environment for inexperienced drivers. **Curtis insurance No Longer Offers Mobile Home Insurance ~ This Post for Informational Purposes Only** If you call for a home, mobile home, or flood policy or to add comprehensive and/or collision insurance to your auto policy and are told no because the company is under binding restrictions, it may confuse or even irritate you. What in the world are binding restrictions and why do insurance companies implement them? Earlier this year we did a post on Three Things young people should take care of to help life in the ‘real’ world be less stressful. Today we’re discussing why it is important to list your teenage driver on your auto policy as soon as they get a permit. |
Tommy Curtis
Is an insurance agent with integrity and your best interest in mind. Call to speak directly to him. Contact us Phone: 337-433-1683 Address: 509 7th Street Lake Charles, LA 70601 Office Hours: M-F 9a - 5p (CST) Follow Us
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