Videos: Medicare, health and group insurance in Tulsa

You need to call us within the three months before the month of your birthday. We'll walk through what sits in front of you, what you need to do. We'll make it very clear, so give us a call.

November 1st through January 15th, and December 15th if you want an effective date for January 1st. The dates start November 1st, and they go through January 15th. The key is, is that if you go past December 15th, you're not going to get an effective date until February 1st. So it's imperative that you understand you have November 1st through December 15th to get a January 1st effective date. That's where you want correct changes made and to start at the beginning of the year. Bring your tax return from last year and/or your pay stubs. We'll sit down, and we'll walk through the income to use correctly on your application. For self-employed people, it's different from W-2 people. Give us a call at 918-236-4470. Let's schedule an appointment and get you in to get that corrected.

Every year, there's three things that change that nobody tells you about. For one thing is, is that all the Medicare carriers are in the background working with CMS, which is a government agency where they get approval for all their plans for the 2027 calendar year. Number two is that what everyone finds out is that, oh, well, my maximum out-of-pocket changed, or the tiers for my prescriptions changed, which changes your co-pays. Those are some of the big things that happen to you there. And then how does my premium get affected? It's working this year, so I'll just let it go. That's a mistake. Give us a call at 918-236-4470, or stop by and see us at 7712 South Yale Avenue, Suite 250. We'd love to see you.

October 15th to December 7th, that's your window, and here is the one thing you need to know before it closes. If you are on a Medicare Advantage plan or a prescription drug plan, that's the time to do it. Miss that deadline and you're stuck for a year. Give us a call. It's as simple as 20 minutes. We'll help you walk through it. Bring your letter in. We'll go over it and read it with you, and give us a call at 918-236-4470.

16 years, not a single ad. Every client we have came from another client. We have always existed on repeat and referral business. It grew from one client to another one very organically. It's because we treat everybody correctly. We do the right thing for everybody every time. We've never spent a dollar on an ad before. Never a complaint in over 16 years, so we really take treating the client correctly seriously. If someone sent you to us, thank them and then give us a call. 918-236-4470.

$2,400. That's the new maximum out-of-pocket for 2027. That number is up from $2,100 in 2026. That's your maximum out-of-pocket for your prescription drug plans for 2027, which is going from $2,100 to $2,400. The key is, is that you need to be in a preferred pharmacy and you need to be on a plan that has your prescriptions on that company's formulary. That is a key for 2027. Don't shop the premium. Shop the number that actually hits your wallet. Give us a call at 918-236-4470. Located at 7712 South Yale Avenue, Suite 250.

Medicare Supplement or Medicare Advantage. A few differences is that with a Medicare Supplement, you can go anywhere in the country to anyone that accepts Medicare. Medicare Advantage plans are almost always zero in premium, and you also have, with a Medicare Advantage, local providers that you will need to stick with. Bring your list of doctors, a list of your medications. We'd love to help you with that.

12 employees, 22% increase. Here's what we do. So we want to look at your options. We want to make it fair. We look at employer contributions versus employee contributions and what they pay. Maybe you go from paying 80% to paying 70% on an employee's premium. Keeps you from losing employees just because of health insurance. 918-236-4470. Give us a call.

Nobody in this office works on commission. This is why it's important to you. We're here to find the right plan for you every time, period. Right thing for everybody every time.

Turning 65 next year? Wondering what's the first call to make? It's not a 1-800 number. When you turn 65, you have three months before the month you turn 65 and three months after the month you turn 65, for a total of a seven-month window to sign up for Medicare. If you do not sign up within that period of time, there are penalties that follow you for the rest of your life. You don't need to call a 1-800 number where somebody is talking to you that will never have to talk to you again. Find a local agent that knows what they're doing, that cares about your ongoing relationship, that can help you and not misguide you. We're here. We'd love to help. Call us before the month of your birthday, not after your birthday. That is the key. Give us a call at 918-236-4470. We're here to help you. There's never a fee for our services. We'd love to see you. 7712 South Yale Avenue, Suite 250.

Your Medicare plan is changing January 1st, and the notice that tells you all about it may be in your recycling bin right now

The number one mistake I see every October isn't picking the wrong plan, it's not looking. The biggest mistake we see is people not reviewing. We've seen people that with specialists that they've been with for years, they've got all their prescriptions all nailed down, and they're controlling their conditions, and they don't look at things. And the next year their prescriptions aren't covered or their doctor's out of network, and they're having to start all that process all over. It's very simple. Just give us a call. We'll schedule an appointment with you, and we'll sit down and make sure that we find you something that works. Don't cause yourself a heartache. Contact us. Let us walk through your options.

You've never seen your tax credit because it goes directly to the carrier. Therefore, you don't know if you're leaving money on the table or not. It's imperative that you get with somebody that knows how to figure your income properly so that you're getting the maximum amount of tax credit.