Stacy Calloway

Medicare plan changes are not available at any time during the year, which is why it is important to understand when you can switch or adjust your coverage and when you may need to wait for the next enrollment window. Swipe for more information.

We hope you find this information helpful. If you have any questions about your coverage or enrollment periods, we encourage you to consult Medicare's official website for more information: https://www.medicare.gov/.

When it comes to dental insurance, assumptions about how plans work can sometimes lead to confusion. Knowing the facts can help you make smarter decisions about your care and your coverage.

Here are a few more common dental insurance myths to be aware of:

✅ “Dental insurance works just like medical insurance.” Dental plans are generally structured around preventive maintenance and predictable cost-sharing. Many include annual maximums and tiered coverage levels for preventive, basic, and major services.

✅ “If nothing hurts, there’s no need to go for a visit.” Some dental conditions can develop without pain at first. Regular preventive visits enable early detection, helping to reduce the likelihood of urgent or more costly treatment later.

✅ “Indemnity plans pay whatever the dentist charges.” Indemnity plans typically reimburse based on standard fee benchmarks, not necessarily the full billed amount. If provider fees exceed those benchmarks, the remaining balance may become the patient’s responsibility.

Preventive visits and a clear understanding of your plan can go a long way in protecting both your oral health and your wallet. If you would like help reviewing your dental coverage, I would be glad to assist.

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.

With June 6th recognized as Visually Impaired People Day, now is a good time to discuss how Medicare approaches vision care.

Original Medicare (also known as Medicare Parts A and B) is designed primarily as medical insurance. That means coverage typically applies to the diagnosis and treatment of medical conditions affecting the eyes, rather than to routine vision care. However, Medicare Advantage plans usually do include coverage for routine eye exams.

Swipe for a brief overview of what Original Medicare and Medicare Advantage plans cover when it comes to vision care and eye health.

If you’d ever like to review how your current Medicare coverage addresses vision care, don’t hesitate to reach out to our team. We are always here to be a resource for you.

Mental Health Awareness Month is a good time to remember that support might already be closer than you think. Many health plans include resources that can help with stress, sleep, and everyday mental wellness, and you don’t have to navigate them alone.

We encourage you to reach out to a licensed therapist or mental health professional if you notice that your day-to-day activities are being regularly impacted by your mental health, or if you feel like you need or want help.

If you have questions about your plan, don’t hesitate to reach out. We’re here to help you.

Since May is Mental Health Awareness Month, we wanted to share a few tips that can help support your mental health. Swipe to see more.

We hope you find these tips helpful. If you have any questions about your current coverage or want to add some coverage to your current plan, don’t hesitate to reach out. We are here for you.

Happy Earth Day! In celebration, we invite you to join us in making one simple eco-friendly choice — whether it is using a reusable water bottle, choosing to walk or carpool instead of driving alone, or saying no to single-use plastics.

Small actions can add up to a big impact. Let's make a difference together!

April is Stress Awareness Month, making now a great time to check in on how your benefits can help you navigate chronic stress.

The good news is that many plans cover key physical health care services that can help treat the physical symptoms of stress. This can include preventive care, specialist visits, and primary care visits.

Additionally, mental health care services, including therapy, psychiatric services, and telehealth options, are also commonly covered. Seeking specific mental health care can help you address the root causes of the stress you experience and help you learn coping strategies.

Getting support for physical or emotional symptoms of chronic stress is important for your long-term health and wellness. If you have questions about your coverage, don’t hesitate to reach out. We’re here for you.

April is Stress Awareness Month, and we wanted to honor the month by sharing some key ways your health benefits can support the treatment of chronic stress. Chronic stress can have serious impacts on both your emotional and physical well-being. Swipe through to learn more.

Getting support for physical or emotional symptoms of chronic stress is important for your long-term health and wellness. If you have questions about how your coverage can support treatment for these symptoms, don’t hesitate to reach out. We are always here to help.

Spring has officially arrived! As we transition into a new season, we wanted to wish each of you well. We hope you can enjoy all that spring has to offer.

If we can be of help as spring begins in earnest, feel free to reach out. We are here to support you with issues big and small.