Dayton Sayer Insurance Agency

At Dayton Sayer Insurance Agency, we've been helping our customers with their health insurance needs for over 65 years. Come meet our newest helpers, Bandit and Nellie, at our office 🐾 We're here to help you find the best plans and coverage for your healthcare needs.

Turning 65 soon? Here’s what you need to know about signing up for Medicare 👇

When you approach 65, you’ll enter your Initial Enrollment Period which is a 7-month window that starts 3 months before your birthday month, includes your birthday month, and ends 3 months after.

Here’s the simple breakdown:
✔️ Enroll in Part A (Hospital Insurance)
✔️ Enroll in Part B (Medical Insurance)
✔️ Enroll in a Medicare Supplement + Part D (prescription drug plan)
✔️ Review your doctors, prescriptions, and budget before choosing a plan

Missing your window could mean penalties — so don’t wait!

Have questions? Our licensed agents are here to walk you through every step and help you find coverage that fits your needs.

📣 Covered California – 4 Important Reminders!

Health coverage can feel overwhelming, but staying informed makes all the difference. Here are four key things to remember:

✔️ Financial help is available for many individuals and families
✔️ You can’t enroll anytime — Open Enrollment is Nov 1 – Jan 31 (unless you qualify for a Special Enrollment)
✔️ Plans come in Bronze, Silver, Gold & Platinum tiers — each designed for different budgets and healthcare needs
✔️ Income changes must be reported year-round to avoid surprises at tax time

At Dayton Sayer Insurance Agency, our assistance is always FREE. We’re here to guide you every step of the way.

📍 1166 Esplanade Suite 1, Chico, CA
📞 (530) 345-5135
🌐 www.sayerins.com

Roses are red🌹
Violets are blue 💙
Peace of mind feels better
When your coverage fits you 💌

Happy Valentine’s weekend from your local insurance team! We’re here whenever you need us❤️💐💘

Understanding Medicare doesn’t have to be complicated!

Swipe through for 5 key things everyone should know about Medicare Parts A, B, and D — what’s covered, what isn’t, and why planning ahead matters.

If you still have questions, we’re here to help!
📞 (530) 345-5135
📍 Dayton Sayer Insurance Agency | Chico, CA

Understanding Medicare doesn’t have to be complicated! Swipe through for 5 key things everyone should know about Medicare Parts A, B, and D — what’s covered, what isn’t, and why planning ahead matters. If you still have questions, we’re here to help! 📞 (530) 345-5135 📍 Dayton Sayer Insurance Agency | Chico, CA #MedicareMadeSimple #DaytonSayerInsurance #ChicoCA #MedicareEducation #MedicareHelp #Medicare #Insurance #Chicocommunity

Signed-up for Covered CA and have questions and don't want to go through the phone tree or AI? Give us a call, we'll answer. As a certified enrollment counsellor, we will provide free, simple guidance to clarify the confusion.

If you weren't aware, give us a call for your options

👀 Hey Local Business Owners — Are You Sure Your Health Insurance Is Compliant?

If you’ve got 10 to 30 employees and offer group health insurance, there are some serious risks if you’re not fully compliant with the latest rules and regulations.

Here’s what non-compliance can mean for your small business:

⚠️ Hefty fines – Even unintentional mistakes can lead to IRS penalties.
⚠️ Legal headaches – Employees can file complaints or lawsuits if benefits aren’t handled properly.
⚠️ Coverage gaps – One slip-up could leave your team without the coverage they’re counting on.
⚠️ Audit risks – Yes, even small businesses can be audited.

We know you’ve got a lot on your plate already — but compliance isn’t something to overlook. It protects your team, your reputation, and your bottom line. You may be throwing money away and not know it.

✅ Not sure where you stand? Let’s do a quick check-up and make sure your group plan is solid.

👉 Visit www.sayerins.com to schedule a free consultation.

🚨 Choosing the Right Health Insurance for Your Company 🚨

As a business owner, selecting the right health insurance plan for your employees is one of the most important decisions you’ll make. With so many carriers offering different benefits, costs, and networks, how do you decide? 🤔

✅ Compare Coverage Options – Some plans prioritize low premiums, while others offer comprehensive benefits with higher costs. Consider what best fits your employees' needs.

✅ Network Matters – Ensure the carrier you choose has a strong network of doctors, hospitals, and specialists in your area.

✅ Flexibility & Customization – Some insurers offer tiered plans, letting employees choose the coverage level that suits them best.

✅ Cost-Sharing & Contributions – Look at how premiums, deductibles, and out-of-pocket expenses align with your budget. Some carriers offer better employer contribution structures to ease financial strain.

✅ Employee Preferences – Survey your team! Employees might have preferences based on past experiences with certain carriers.

Working with a trusted benefits advisor can help you navigate multiple carriers and find the best fit for your company. Ready to explore your options? Let’s chat!

https://www.sayerins.com/

Are you a local business struggling to keep up with employee benefit costs and meeting your employees needs? Are you sure you are in compliance with all the recent healthcare changes? Check out our Group Health Benefits section on our website and give us a call.

https://www.sayerins.com

Familiar with California’s Medicare Birthday Rule? The Birthday Rule allows Medigap (Medicare Supplement) policyholders to switch plans without medical underwriting around their birthday each year. Here are the key details:

Who is eligible? California residents already enrolled in a Medigap plan.

When does it apply? You have 60 days from your birthday to switch plans.

What can you do? You can switch to another Medigap plan of equal or lesser benefits from any carrier without having to go through medical underwriting (i.e., no health questions or denial for preexisting conditions).

This rule makes it easier for Medicare beneficiaries to find a more affordable plan or switch to a provider with better service without worrying about their health status.

Want to know more? Message us!

fb.me

Need a quick overview of Medicare enrollment? Check us out here:

Medicare Supplement Plans | Sayer Insurance We offer Medicare Supplement Plans for individuals over the age of 65 that have also enrolled in Medicare Parts A and B. Medicare Supplement Plans can help cover some of the costs that Medicare does not pay for.