Neldal Insurance Agency

If you’re turning 65 soon and are unsure about what it means to enroll in Medicare, you are not alone. One of the most common questions we hear from those nearing retirement is around the timeline for signing up for Medicare.

So, we wanted to share a few important reminders to help you stay on track:

✅Know your enrollment window. Your initial enrollment window lasts for seven months — three months before your 65th birthday, your birthday month, and three months after your birthday. Enrolling early in this timeframe can help ensure your coverage begins right when you need it.

✅Understand how to sign up. Some individuals are automatically enrolled in Original Medicare, while others need to take action themselves to enroll in Original Medicare. This often depends on whether you are already receiving Social Security benefits.

✅Do not delay without a plan. Waiting too long to enroll without qualifying coverage can result in delayed coverage start dates and ongoing late-enrollment penalties.

✅Be aware of other options. If you are still working and covered under an employer plan, you may qualify for a Special Enrollment Period that can allow you to defer your enrollment. However, missing all enrollment windows can limit your options and increase costs, so it's best to clarify this early.

Medicare decisions can feel overwhelming, but you do not have to navigate them alone. Whether you are approaching 65 or are simply evaluating your options, contact us for guidance tailored to your situation.

June is Men's Health Month, and there is no better time to encourage you or the men in your life to take advantage of preventive screenings included with their health care coverage. Preventive screenings are among the most powerful tools for early detection of serious illnesses, and catching something early can make all the difference.

Here are some key screenings and wellness checks worth knowing about and at what age they start:

✅ Cholesterol checks - These key preventive screenings should start at 17 to monitor heart health and reduce the risk of heart disease and stroke. They’re recommended every four to six years.
✅ Diabetes screening - Diabetes screenings are recommended to begin at age 35 and every three years after, or earlier if risk factors are present, such as family history or being overweight.
✅ Prostate cancer screening - Men should start receiving regular prostate cancer screenings with their doctor, typically starting around age 50, or earlier for those with higher risk factors.
✅ Colorectal cancer screening - For men, a colonoscopy is recommended starting at age 45 for those with average risk and should be repeated every 10 years. The frequency of screening may increase based on your doctor’s assessment of your risk level.
✅ General mental health screening - These screenings are often conducted at annual checkups, at any age. They are a good time to speak openly with your provider about anxiety, depression, or any changes in your mood.

Every man's health journey looks different, so it’s best to talk with your doctor about which screenings are right for your age, history, and lifestyle.

Have questions about what your health coverage includes? Give us a call. We are here to help you make the most of your benefits.

So glad I caught the first Brazosport Chamber Legacy Lunch! Had the best time catching up and sharing a meal with Barbara Fratila, Margarey Valdez, and Dodie Armstrong. Such a great event with even better company!

Dental insurance can feel confusing, and small misconceptions can lead to delayed care, missed benefits, or higher out-of-pocket costs over time. With Oral Health Month as a reminder to prioritize preventive care, it is a great opportunity to clear up a few common myths.

Here are a few things many people misunderstand about dental coverage:

🔹 “Cleanings aren’t covered.” In fact, many dental plans emphasize preventive care. Exams and cleanings are often covered at high levels because catching issues early helps reduce the likelihood of more extensive, costly procedures later.

🔹 “Waiting to treat issues can save money.” Delaying treatment typically increases costs. For example, a small cavity treated early may require only a basic filling, while waiting could lead to a crown or root canal with higher coinsurance and more time involved.

🔹 “All dentists are in-network with my plan.” Networks vary by plan and carrier. Scheduling with an out-of-network provider without verifying participation can result in higher out-of-pocket expenses.

Understanding how your dental plan works can help you get the most value from your coverage. If you have questions about how your dental benefits work, feel free to reach out. I am always happy to help review your options.

Congratulations, Brazos Primary Care! 👏🎊

Neldia Ahlquist, Neldal Insurance Agency with Dr. Frank Okosun Jr., MD and his wife, Brazos Primary Care.

Thank you Neldia for emceeing this ribbon cutting for us today!

Congratulations to the entire Texan Title team on this exciting rebrand!

Neldia Ahlquist, Neldal Insurance Agency with Fran George, Kim Taylor & Lisa Espy,Texan Title.

🎉 Fun Fact Friday! 🎉
Did you know? 🤔
Businesses that offer Group Health Insurance are more likely to attract and keep great employees! 👩‍💼👨‍🔧👩‍⚕️
Employees value health benefits so much that it’s often one of the top reasons they stay with a company. Offering coverage can help boost employee happiness, loyalty, and productivity! ✅
At Neldal Insurance Agency, we help businesses find affordable group health plans that fit their team and budget. 💙
📞 Call us today: 979-848-8717
🌐 visit our website: https://neldalinsurance.net/

In honor of Memorial Day, we invite you to join us in taking time to remember and honor the brave men and women who made the ultimate sacrifice to protect our country and preserve our freedom.

Please note that our office will be closed on Monday, May 25th, in observance of Memorial Day. We will resume normal business hours on Tuesday, May 26th, and will respond to any messages received during the closure as promptly as possible.

Wishing you a respectful and meaningful Memorial Day.

☀️🏀 SCHOOL’S ALMOST OUT… ACCIDENTS HAPPEN! ⚾🚴‍♂️
Summer means more sports, playground fun, vacations, and outdoor adventures for the kids — but unexpected accidents can happen when you least expect them.
💡 Did you know?
Accident Plans can help provide extra financial protection for things like broken bones, ER visits, stitches, and more!
👨‍👩‍👧‍👦 These plans are FAMILY plans — meaning a parent must enroll with the child(ren) in order for kids to be covered.
Protect your family this summer and enjoy the fun with a little extra peace of mind! ☀️
📞 Call Neldal Insurance Agency today to learn more!
979-848-8717