Group Benefit Consultants - Kevin Chapman

Turning 65? 🎉 Medicare can feel overwhelming—but it doesn’t have to be.

Here are the basics ⬆️:
✅ Original Medicare covers hospital & medical, but leaves gaps.
✅ Most people add a Supplement or Advantage plan.
✅ Prescription coverage (Part D) is separate.
✅ Enrollment windows are time-sensitive.

The right choice = peace of mind. The wrong choice = costly gaps.

💬 Message me today—I’ll walk you through your options and help you pick the plan that fits your needs.

Happy Friday!

As we wrap up the week, here’s a quick benefits tip for employers:

Offering the right employee benefits isn’t just about compliance—it’s about retention, productivity, and protecting your team.

This week I had several conversations with business owners who were surprised to learn:

- Employees value disability insurance almost as much as health coverage.

- Many employees don’t realize they have affordable alternatives to COBRA when leaving a job.

- A well-structured benefits package can help reduce turnover and lower long-term costs.

The right benefits strategy helps businesses attract, retain, and protect their most important asset—their people.

“Opportunity is missed by most people because it is dressed in overalls and looks like work.”

What happens if HSA money is not used? HSA money is yours to keep. Unlike a flexible spending account (FSA), unused money in your HSA isn't forfeited at the end of the year; it continues to grow, tax-deferred in your HSA.

Fast Fact: Part B covers certain doctors' services, outpatient care, medical supplies, and preventive services.

A “Participating Provider Option (PPO): is a health plan that supplies services at a higher level of benefits when members use contracted health care providers. PPOs also provide coverage for services rendered by health care providers who are not part of the PPO network; however, the plan member generally shares a greater portion of the cost for such services.

Stress Can Effect The Mind: Stress is one of the brain’s worst enemies. Over time, chronic stress destroys brain cells and damages the hippocampus, the region of the brain involved in the formation of new memories and the retrieval of old ones. Studies have also linked stress to memory loss.

"Success is no accident. It is hard work, perseverance, learning, studying, sacrifice and most of all, love of what you are doing or learning to do."

Telemedicine is a medical or health service that allows beneficiaries to communicate with a practitioner in a separate location by either using a computer, phone, or television.