Stieber Insurance Group

Costly commercial coverage gaps haunting your portfolio do not announce themselves. They show up as frightening surprises, usually at the worst possible moment.

So that’s why this Halloween, our team wanted to pull back the curtain on the gaps that most commonly haunt businesses when a claim hits. Swipe through to see what might be hiding in your policy.

Not sure if any coverage gaps might be lurking in your coverage? That’s where we come in. We are here to help you review your policy and ensure your business is fully protected.

Understanding Medicare is one thing, but knowing how to make the most of your benefits is another. If you're enrolled in Medicare or preparing to use your coverage for the first time, swipe through for some important ways to maximize your benefits and avoid common mistakes.

If you have questions about your Medicare coverage or would like help reviewing your options, contact us today. We're here to help you make confident, informed Medicare decisions.

October is Breast Cancer Awareness Month, making it the perfect time to review a few key facts and statistics about early screening. Breast cancer remains one of the most common cancers in the U.S., and early detection through routine screenings can make a meaningful difference.

Swipe for a few important facts and statistics to keep in mind.

As a reminder, many health insurance plans cover preventive screenings at little or no cost, making it easier to take an active role in your health. And, if you're not sure whether your plan covers preventive breast cancer screenings, our team is happy to help. Please do not hesitate to reach out with any questions.

Medicare Annual Enrollment begins October 15th, which means now is the time to watch for an important document from your current Medicare Advantage or Part D plan: your Annual Notice of Change (ANOC)

Typically mailed in September, and no later than September 30th, your ANOC outlines any updates that may take effect on January 1st. Even if you’ve been happy with your current coverage, reviewing these changes carefully can help you avoid unexpected costs or coverage gaps in the year ahead.

Your ANOC may include updates to:

✅ Monthly premiums and other out-of-pocket expenses.
✅ Prescription drug coverage and formularies.
✅ Doctor, hospital, and pharmacy networks.
✅ Copays, deductibles, and additional plan benefits.

Small plan changes can make a significant difference in your health care costs and provider access. Taking time to review your ANOC now can help you make more informed decisions during Medicare Annual Enrollment.

If you would like help understanding your plan changes or comparing your Medicare options before enrollment begins, contact us anytime. We are here to help you review your coverage and find a plan that fits your needs for 2027.

If you’re navigating health insurance for the first time, it can be hard to know where to start when choosing a plan that actually fits your life, especially when you’re navigating countless acronyms and plan types. The good news is that once you understand the basics, the decision can become much clearer.

Swipe through for a straightforward breakdown of the most common individual health insurance plan types and what each one means for you.

If you’re curious about getting started with health insurance or simply want to start exploring different plan options, don’t hesitate to reach out. We are here to help you take advantage of your coverage.

Your age plays a big role in life insurance ,and it can affect everything from the types of policies that make sense for you to what you may qualify for. Swipe through for a breakdown of the main policy types and what you should know about how age can impact each.

We hope you found this overview helpful. As always, if you’re interested in adding life insurance or would like to talk through your current policy, please don’t hesitate to reach out to our team. We are here to help you.

Life has a way of moving quickly, and certain changes, whether expected or not, can affect your health insurance coverage in ways that aren't always obvious at the moment.

Some life events trigger a Special Enrollment Period, a 60-day window before or after the event during which you can enroll in or update your coverage outside the standard Open Enrollment Period. If any of the following have happened in your household over the past year, it may be worth a conversation:

🔵Getting married, divorced, or welcoming a new child into your family
🔵Moving to a new ZIP code, county, or state
🔵Turning 26 and coming off a parent's plan, or losing job-based coverage
🔵Changes in your income or household size
🔵Turning 65 and becoming eligible for Medicare, or becoming a U.S. citizen

If anything on that list sounds familiar, we'd love to connect to see how we can help you during a Special Enrollment Period. Give our team a call, and we can get started.

Call for an appointment! 281-341-7141

Managing Medicare costs can feel overwhelming, especially as premiums and healthcare expenses continue to rise. The good news is that there are several ways to make your coverage more cost-effective while still getting the care you need. Swipe to learn more.

If you have questions about your Medicare options or want help finding coverage that fits your needs and budget, contact us today. We are here to help you make informed decisions with confidence.