Tammy Hickman - District Sales Leader - The Assurance Group

The Annual Enrollment Period ends December 7th. Don't rely on AAA for Medicare coverage! I can help (512)422-1002.

Medicare open enrollment starts soon. Here's why you should pay attention

***ATTENTION MEDICARE RECIPIENTS***
The Annual Enrollment Period begins October 15th! Call me to schedule a no cost no obligation consultation today! (512)422-1002.

Medicare open enrollment starts soon. Here's why you should pay attention Although a majority of Medicare beneficiaries do not compare plans during open enrollment, experts say that can be a costly mistake.

Turning 65 and still working? Be sure to avoid costly Medicare mistakes

Should you enroll in Medicare if you're still covered by an employer group plan? Call me and let's discuss.

Turning 65 and still working? Be sure to avoid costly Medicare mistakes The biggest blunder is not signing up for Medicare when you're supposed to, says one expert. Here's what to know.

Here’s why Medicare beneficiaries should look beyond cost when choosing a Medigap plan

If you or someone you know are struggling with questions, call me. I will remove all the mystery. There is never a charge nor an obligation. (512)422-1002

Here’s why Medicare beneficiaries should look beyond cost when choosing a Medigap plan While the benefits included in Medigap plans are standardized across most states, premiums can vary widely among insurance companies and locations.

House Committee Approves Bill to Ease Medicare Part B Enrollment

House Committee Approves Bill to Ease Medicare Part B Enrollment Seniors would be notified about eligibility to avoid late fees, coverage gap

WHY IS LIFE INSURANCE IMPORTANT?

According to Life Insurance Statistics and Facts, only 43% of the population do not own a policy of any amount. Unfortunately the study also found that most of us are in desperate need of coverage. Nearly 1/3 of us would feel the loss of the primary earner within the first month.

1. Insurance through work isn't enough.
If you're unexpectedly separated from your job, this insurance goes away. This leaves your family exposed.

2. Don't leave your kids holding the bag.
Term life can be extremely affordable. This is important if you have children living at home.

Let me help you find a solution that's best for you and your specific needs. There is never a charge for my services. Call me (512)422-1002 or email me [email protected]

Why Your Insurance Clients Should Consider Annuities - American Senior Benefits

Why Your Insurance Clients Should Consider Annuities - American Senior Benefits Financial planning is one area of expertise that you as an insurance agent can provide to your clients. From estate planning to retirement planning and investments, you can help steer your clients in the right direction and provide a stable long-term plan for financial endurance.  Annuities are one...

Why Home Health Care Is Suddenly Harder To Come By For Medicare Patients

I have a solution. Call me! (512)422-1002

Why Home Health Care Is Suddenly Harder To Come By For Medicare Patients Medicare has changed how it pays for services. In response, agencies across the country are firing therapists, limiting physical, occupational and speech therapy, and terminating services for some …

The Medicare Part D Drug Plan Donut Hole Is Closed. What Does That Mean?

The Medicare Part D Drug Plan Donut Hole Is Closed. What Does That Mean? Just about every Medicare beneficiary has heard about the donut hole in a Medicare Part D drug plan. They’ll admit they don’t understand it but they all know it means drugs will cost more. Now, they’ve heard that the donut hole closed on January 1, 2020...

Daughters mourn loss of father killed in high-speed Del Valle crash

Such a tragedy...doubly so because the couple did not have life insurance. Now the children have had to create a GoFundMe account to help pay for the funeral costs. For less than $50 a month these children could have had enough money for the burial and then some. Please don't let this happen to you. Call your agent today. Need an agent? Call me. 512-422-1002.

Daughters mourn loss of father killed in high-speed Del Valle crash On a rainy Wednesday, all four Velazquez girls gathered in their grandmother's Northeast Austin home, recalling happier times with their father Jose.

***Attention Medicare Recipients***
The Annual Enrollment Period begins October 15th. Medicare changes every year. It is important to review your plan(s) annually to ensure it is still meeting your needs. Call me to arrange a consultation.

What Are Your Biggest Questions About Life Insurance? (We Answered Nine) | A Cup of Jo

What Are Your Biggest Questions About Life Insurance? (We Answered Nine) | A Cup of Jo Do you have life insurance? We sat down with Haven Life to ask questions many people have about term life insurance.

Experts say term life insurance is the right choice for most everyone, but especially people in their 30s and 40s

Experts say term life insurance is the right choice for most everyone, but especially people in their 30s and 40s Experts recommend purchasing term life insurance during your 30s and 40s because rates are lower then, and you probably have dependents.

Here's exactly why experts recommend one type of life insurance over the other

Here's exactly why experts recommend one type of life insurance over the other Experts agree the best choice for simple and cheap life insurance coverage is term life insurance. The earlier you buy it, the cheaper it will be.

How this Medicare loophole can lead to surprise medical bills

How this Medicare loophole can lead to surprise medical bills Patients look to hospital staff to take care of them and help them get better, not to expose them to additional health and financial problems.

4 questions to ask to maximize your life insurance benefits | WTOP

4 questions to ask to maximize your life insurance benefits | WTOP Life insurance is a cornerstone of many people’s financial plan, and there are nuances that sometimes get overlooked. Here are four questions you should ask to maximize the benefits of your life insurance.

Cost of nursing home care makes planning ahead crucial for financial security

This is a very real issue. I can help you get what you need at an affordable rate. It won't cost you anything for a consultation. My service is free! You owe it to yourself to check it out!

Cost of nursing home care makes planning ahead crucial for financial security Nobody wants to live in a nursing home, yet 56 percent of Americans between 57 and 61 will spend time in one, and costs can be prohibitive.

3 Expensive Misunderstandings Of Medicare

3 Expensive Misunderstandings Of Medicare Many people are not familiar with the provisions of Medicare. They do not know what Medicare does not cover. This article describes three misconceptions people have about Medicare that can be very costly to them.

Your October 2018 Newsletter - American Senior Benefits

Your October 2018 Newsletter - American Senior Benefits A chill in the air, Halloween festivities, colored leaves — they all make October special. Plus, it's Breast Cancer Awareness Month. This issue includes a breast cancer update, information on Medicare's Fall Open Enrollment, a healthy fall recipe, and more. If I can help with your Medicare, insura...

Medicare open enrollment: Beware of these two major traps

Medicare open enrollment: Beware of these two major traps Making the wrong choices can leave you on the hook for thousand of dollars in uncovered medical expenses

CMS Proposes Big Medicare Changes for 2019

AWESOME NEWS!

CMS Proposes Big Medicare Changes for 2019 The Centers for Medicare & Medicaid Services last week proposed what the agency called “historic changes” in the Medicare program. TMA is already digging deep into the proposal to make sure the changes are good for Texas physicians and your patients.

Thousands to Lose Medicare Plan

Have a Scott & White cost plan in Texas? Call me to understand your options!

Thousands to Lose Medicare Plan Details for new options won't be available until October

Most Older Americans Fail on Medicare Basics -- The Motley Fool

Sadly, most seniors are mistaken about what they think they know about Medicare. Don't assume. Allow me to be your resource! (512)422-1002

Most Older Americans Fail on Medicare Basics -- The Motley Fool Are you clueless about Medicare? If so, you'll need to get your facts straight before the time comes to enroll.

5,000 Medicare patients say they suddenly lost access to their doctors

Concerns? Call me. I can help! (512)422-1002

5,000 Medicare patients say they suddenly lost access to their doctors About 5,000 Medicare Advantage patients in Central Texas say they've suddenly been cut off from their go-to doctors.

The IRS warns retirees: Check to make sure you're withholding enough now or face a nasty surprise come tax time

Questions? I can help! Call me 512-422-1002

The IRS warns retirees: Check to make sure you're withholding enough now or face a nasty surprise come tax time The IRS has put retirees on notice: withhold enough taxes from your retirement income, or else. Here's how to manage.

This Social Security strategy could make you $157,000 more

This Social Security strategy could make you $157,000 more There are tens of thousands of ways to claim your monthly checks. Here's three ideal examples. 

Life Insurance Awareness Month

***INSURE YOUR LOVE***
The main reason to buy life insurance is because you love people and want to protect them financially. This is the message behind the Insure Your Love campaign and it is a great year-round marketing theme that will help you connect with clients and prospects.

Life Insurance Awareness Month NAIFA Statement on SEC Commissioner Roisman September 6, 2018 The association looks forward to working with the new commissioner on the SEC best-interest proposal and other issues affecting advisors and clients. > Read More

Get a Head Start on 2019's Medicare Open Enrollment

Now is the perfect time to look at your options for next year. I can help! Call me now (512)422-1002

Get a Head Start on 2019's Medicare Open Enrollment In mid-October, you'll have a chance to make key changes to your healthcare coverage under Medicare.

Who Needs Fixed Index Annuities?

Who Needs Fixed Index Annuities? Annuities have become a popular financial product for many, but is it the product for YOU? Read here to find out more!

4 Things to Know About Your FERS Annuity : FedSmith.com

4 Things to Know About Your FERS Annuity : FedSmith.com Are you aware of these four key elements of your FERS annuity?

Medicare Part B premiums devouring many retirees' Social Security increase, survey shows

Are you getting the most from your Medicare plan?

Medicare Part B premiums devouring many retirees' Social Security increase, survey shows More than 40 percent of Social Security recipients have seen very little, if any, of their 2 percent increase in benefits.

Vision Care Lags, With Blind Spots In Insurance Coverage

Do you have vision coverage?

Vision Care Lags, With Blind Spots In Insurance Coverage Up to 16 million people in the U.S. have undiagnosed or uncorrected vision errors that could be helped by glasses, contact lenses or surgery. But many health plans don't include routine vision care.