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

We are right in the middle of Medicare Open Enrollment Period (OEP) where Medicare members can make a one-time change to their Medicare Advantage plan. Both Medicare AEP (Annual Enrollment Period) and OEP are fraught with television ads featuring celebrities--who, I'll bet my last dollar know absolutely nothing about Medicare--advising you to call some toll-free number and have your Medicare plan reviewed. 

Now, marketing companies have gotten creative showing men or women in scrubs or a lab coat urging you to do the same before March 31st when OEP ends.

Do NOT Make That Call!

These people are actors, not actual doctors, nurses or Medicare experts. They know absolutely nothing about Medicare nor are they familiar with Your Situation, or Your Provider Network in Your Parish.

If you are new to Medicare or unhappy with the Medicare Advantage plan you joined during AEP, please give Connie, our local, educated, trained, and seasoned, Medicare Agent a call at: 337-310-2253

Until next time, be aware of those who proport to know more about what you need in a Medicare plan when they are usually operating from whole other state!

Tommy Curtis and Staff
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​It’s time for our annual Medicare update where we outline the changes to Medicare for 2024. But before we get into 2024 fees and deductibles, here is a reminder of a couple of major changes in 2023….
 
The new Prescription drug law that went into effect Jan. 2023 improved access to many drugs and made those such as insulin much more affordable. Also, individuals whose full Medicare coverage ended 36 months after a kidney transplant and who do not have certain other types of insurance coverage can elect to continue Part B coverage of immunosuppressive drugs by paying a premium.
 
For 2024, the standard immunosuppressive drug premium is $103.00.
 
This was and still is great news for people with ESRD (end stage renal disease)!
 
Now on to the never ending changes in premiums and deductibles for Medicare enrollees…