Last July we shared some tips with you on reconstructing your lawn after a natural disaster. After the hurricanes of 2020, as well as the ice storm and flooding of 2021 we thought the information provided would be beneficial to our readers. Today we'd like to expound on one of the topics mentioned in that blog post. Aerating is the process of putting tiny holes the soil of your lawn. This process allows water, air and fertilizer to penetrate the ground, encouraging better absorption of the things necessary for a beautiful lawn. The 3rd Quarter of 2022 is almost over, so we thought we'd do a quick check up to review with you some things you might want to be aware of.... Our children have been back to school for several weeks now, but it's always wise to drive with care and pay attention out there. We're still smack in the middle of hurricane season and although we've been blessed so far to not have anything come close to us, we're not out of the woods yet. Brush up on your preparation tips as well as binding restrictions for home, auto and recreational vehicle insurance. You might also want to review our posts on understanding your home or mobile home insurance and policy deductibles as well as the need for flood insurance. Football and Festivals are in full swing. We've got information that will help you be safe and have fun while you're out and about. Medicare AEP is right around the corner (Oct 15 - Dec 7) so now is a good time to review your Medicare policy. New to Medicare? Check out our FAQ and Understanding Medicare posts. If you don't already have a local agent, give us a call. We'd be happy to be yours! Have Medicare and Medicaid or a Veteran with Medicare? We can help you too! If travelling is in your plans for the holidays this year, check out our tips for travelling smart and other articles that can benefit you during the most wonderful time of the year. As we round out 2022, we here at Curtis Insurance sincerely hope we've provided blog posts that are educational and informative and pray you'll drop by monthly to see what we're sharing. Until next time take care and remember.... In a world where you can be anything, be kind. Tommy Curtis and Staff Disclaimers: ALL material on this blog is available for informational purposes only and is not intended to provide, and should not be relied on for, tax, legal or accounting advice. You should consult your own personal advisors before making these types of decisions. 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. When dealing with Medicare clients, the question is often asked whether or not they should have a Medical Power of Attorney and when is the best time to get/do one. Depending on where you live, medical POAs might also be called: Power of Attorney for Healthcare, Advance Directive, Advance Healthcare Directive or Medical Power of Attorney Directive. Before we address the benefits of having a Medical Power of Attorney, let’s establish what a MPOA is not…. The federal government (the Centers for Medicare and Medicaid Services, also known as CMS) gives an annual rating to Medicare Advantage and prescription drug plans (Part D), based on categories such as: Customer service * Management of Member Complaints * Quality of care *Preventative Services * Plan Responsiveness * Managing Chronic Conditions Plans are rated as follows…. 5-star: Excellent 4-star: Above Average 3-star: Average 2-star: Below Average 1-star: Poor In 2022 Medicare Advantage (MA) plans saw a huge boost in performance with 68% of MA-PD (Medicare Part C) plans rated 4+ Stars which is a great thing! Another thing to know is that if a plan in your area has five stars, you get a Special Election Period (SEP) to enroll in that plan. Even though the star rating is important, it’s not the end all of your coverage. In order for the plan to be the best fit for you your doctors and hospital must be in the network (unless you’re willing to change your medical team), it includes prescription drug coverage and that your particular drugs are covered under the plan. Don’t be fooled into thinking every prescription is. Keeping these things in mind, it’s always better to work with a local agent to make sure every aspect of the plan you’re looking for meets your individual needs. Want to know more about the 5-Star plans available in Calcasieu Parish? Give our licensed and knowledgeable agent a call: 337-310-2253 Tommy Curtis and Staff Disclaimers: 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. It’s that time of year again where the television is filled with commercials on what you can spend your tax refund on. Granted, with many folks still in rebuild after the weather events of 2020/2021, new furniture or a vacation sounds lovely. But is that really the wisest use of your hard-earned dollars? Let’s look at a few ideas…. It’s Medicare Open Enrollment time again and there is a new commercial on television where a “specialist” is giving a presentation on the basics of Medicare. He (the instructor) explains Medicare 101 and then discusses Medicare Advantage Plans. During the course of this 60 second interval one woman asks the question: “How do I know I’m getting the best plan?” Of course, the goal of this infomercial is to get you to call the number on your screen, but I’m here to tell you that just like celebrity endorsed sites, these actors know little if anything about Medicare! The best way to know you’re getting the right plan for your individual needs and budget is to contact a local Medicare agent. As with the cost of everything, Medicare deductibles and premiums have increased. Here is your breakdown for 2022…. We here at Curtis Insurance/Curtis & Associates would like to take a moment to wish you and yours a Blessed Holiday season and to THANK YOU for your patronage! We will be closed December 24th and December 31st in honor of Christmas and New Year's Eve. Since you're here, please take a moment to browse our many articles, tips and tricks. Especially on Fire Safey, Holiday Safety and Stress Busters. You might also peruse our Jan 2021 post, Take Control of Your Life, and gear up for 2022. Once again, we appreciate YOU, our valued clients. Tommy Curtis and Staff Life and Medicare Products marketed through Curtis & Associates Financial Services, Inc. {A Life and Health Agency} |
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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