.We received a phone call here at the office informing us that our Medicare number will "expire."

Yes, the scammers are out and busy so Medicare recipients, PLEASE BEWARE!

Your Medicare number NEVER expires - Do NOT give your Medicare number out to anyone!

For more information on Medicare Scams read our previous post or THIS Article.

Meanwhile be safe and beware. If you think you've already been scammed call  Medicare immediately at 1-800-MEDICARE (1-800-633-4227). TTY users can call 1-877-486-2048.

Tommy Curtis and Staff
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Disclaimers:

• Medicare has neither endorsed nor reviewed this information.
• Not connected or affiliated with any United States Government or State agency

​Life and Medicare Products marketed through Curtis & Associates Financial Services, Inc.
​{A Life and Health Agency}

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} ​

Well, August is half over and it’s hot, hot, hot! To say it’s been quite a year, is an understatement, yet, here we are…
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Summer is drawing to an end and kids are returning to school so, please be careful of those young drivers out there! There’s still plenty of fun in the sun to be had though, so check out our safety tips. 

Hurricane season is nearly half over but we’re not out of the woods yet. If you haven’t reviewed your Home Insurance policy, now would be a good time to do so. Now is also a good time to get that Flood policy in place. There is a standard 30 day wait on flood insurance, so don’t put it off any longer – give us a call today!

​We’re in our second month of Hurricane season and I am forever amazed at some of the phone calls we receive for home insurance. Although we have discussed understanding home insurance in detail, binding restrictions, riders and endorsements, have FAQ’s and have covered policy discounts, many people aren’t aware of the guidelines and regulations regarding a home insurance policy.
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Here are a few things to consider before calling us, or anyone, for a home insurance quote….

Due to the stay-home orders which have been in place for months now, insurance companies are receiving several claims from not unusual, but uncommon, damages. This led to some important information you need to know to help keep your home safe.

Although Fire Safety was covered in our Jan. 2018 blog post, we need to reiterate some of that information here, mainly, keeping the batteries changed in your smoke detectors. One of the biggest sources of fires outside of winter months are candles. Therefore, it is imperative you do not leave candles burning unattended! Also, keep candles away from drapes, towels, rugs, and other flammable items. Another cause of fire claims lately – Dryer Vents. Dust and Lint are fire hazards so keeping your dryer vent clean and clog-free will help alleviate heat build-up which could result in a fire.

Never in my wildest dreams would I have imagined writing a post like this one, but, with the world gone crazy over this Corona Virus, I thought I’d let you know how we, here at Curtis Insurance, and the Home/Life/Medicare companies we represent are handling the COVID-19 pandemic.

Although our office is remaining open - as of now - we are taking precautions like everyone else. We limit our exposure to outside traffic, encouraging our clients to pay their premiums online or directly to the company by phone when possible. We’re asking our patrons to be as cautious as we are by not coming into the office if you are currently experiencing any flu-like symptoms or have any reason to believe you may have been inadvertently exposed to this virus.

Our regular contacts at Home and Auto insurance companies are working remotely – from home – but still active. Turn-around time is slower than normal, but we are still in business.

Our Medicare clients are urged to stay inside! Order your medications and OTC items directly through the company and avoid being in the public for things you can have delivered directly to your door. All of the Medicare companies we represent have sent notices of waived co-pays, early and/or extended RX refills, online and telephonic support for their/our members. Many are also waiving co-pays for diagnostic testing related to the COVID-19 virus and some are offering their Virtual Doctor Visits at $0 co-pays. If you’re one of our Medicare clients and are unsure of your particular plan’s response or guidelines regarding this virus, please give us a call and we’ll be happy to answer your questions.

New-to-Medicare clients, have no worries! Give us a call. We can mail or email you the product information you’re requesting, do Medicare Compliant presentations over the phone and enroll you over the phone or through email!

In this time of uncertainty, rest assured we are still here to serve you and will do so to the best of our ability until life gets back to normal, as surely it will.

Tommy Curtis & 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.

Medicare AEP is over and 2020 is right around the corner.  Business has slowed to a more normal pace around the office.  We here at Curtis Insurance / Curtis & Associates would like to wish you and yours a very Merry Christmas, Happy Holidays and a Blessed & Prosperous New Year.
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Our office will close at 12:00 NOON on Christmas Eve (Tuesday, Dec. 24th) and be closed on Christmas Day (Wednesday, Dec. 25th). We will resume normal business hours (9-5) on Thursday, Dec. 26th.

We will also close at 12:00 NOON on New Year’s Eve (Tuesday, Dec. 31st) and be closed all day Wednesday, New Year’s Day (Jan 1st 2020). We will resume normal business hours (9-5) on Thursday, Jan 2nd.

If you are looking for something different, something special to give a close friend, family member or loved one, consider a Life Insurance policy. We have special single, premium annuities that protect your money and your beneficiary from taxation that might otherwise be imposed on a cash gift or inheritance.

If you’d like more information on this type of plan, please give our Licensed Life Insurance Specialist a call and set an appointment to discuss your options.
 
Until next time take care and remember in a world where you can be anything….be kind.
Tommy Curtis and Staff

Disclaimer: This material has been provided 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 tax, legal and accounting advisors before engaging in any transaction.
 
Life and Medicare Products marketed through Curtis & Associates Financial Services, Inc. {A Life and Health Agency}