Premier Financial Insurance

ACA Open Enrollment begins on November 1st, and knowing your key dates and taking a few steps now can make the process much smoother when the time comes. Swipe through for a practical overview of what to do before enrollment opens.

Have questions about your health coverage options? Give us a call. We are here to help you navigate it.

Each year, Medicare drug plans can change what they cover, how much you pay, and the rules around your prescriptions. That means a medication that worked for you this year may cost more, or may not be covered at all, next year.

A simple prescription coverage review can help you:

✅Confirm your prescriptions are still covered under your plan.
✅Identify potential restrictions like prior authorization or step therapy.
✅Explore lower-cost or generic alternatives.
✅Avoid unexpected out-of-pocket expenses.

For questions about how your medications interact, speak with your pharmacist or prescribing physician.

With rising prescription costs and ongoing changes to Medicare drug coverage, reviewing your medications annually is one of the best ways to protect both your health and your budget.

If you have questions about your coverage or want help reviewing your current plan, we are here to help. Give us a call today, and we can get started.

When unexpected health events happen, medical bills shouldn’t be an extra worry. That’s where supplemental insurance comes in, adding a financial safety net on top of your regular health coverage.

Here’s a quick breakdown of three common types and how they differ:

✅ Accident Insurance - Pays you cash benefits after accidental injuries like a fall, fracture, or car crash. You can use the money for hospital visits, therapy, or any other expenses while you recover.

✅ Critical Illness Insurance - Provides a lump-sum payment if you’re diagnosed with a serious condition such as cancer, heart attack, or stroke. The funds go directly to you, covering treatment, lost income, or even household bills.

✅ Hospital Indemnity Insurance - Offers a set cash benefit for each day you’re hospitalized. It helps with costs your primary plan may not fully cover, including co-pays and other daily expenses.

Even with strong health insurance, major health events can be financially devastating — and your finances should be the last thing on your mind.

If you’d like help reviewing your coverage or exploring supplemental options, give our office a call. We’re here to help you find the right fit.

From October 15th through December 7th, Medicare beneficiaries can review their coverage and make changes for 2027 during the Medicare Annual Enrollment Period (AEP). During this time, Medicare beneficiaries can:

✅ Switch from Original Medicare to a Medicare Advantage plan, or vice versa.
✅ Change from one Medicare Advantage plan to another.
✅ Add, change, or drop Medicare Part D prescription drug coverage.

This is also a good time to assess whether your current plan still meets your needs. Costs, covered medications, provider networks, pharmacies, and plan benefits can change from year to year, so even if you were happy with your coverage last year, it's worth taking a fresh look.

If you have any questions about your current plan, please don't hesitate to reach out to our team. We are here to be a resource for you.

If you or someone you know has a preexisting health condition, you may have wondered whether life insurance is still an option. The good news is that it often is. You just need to take the right approach. Swipe to learn more.

If you'd like to explore your life insurance options or have any questions, feel free to reach out. We are happy to help.

Getting a medical bill that's way higher than expected is one of the most frustrating surprises out there, and it often comes down to a couple of common, yet confusing, terms: "in network" and "out of network."

Understanding the difference between the two can help save you money and navigate your benefits with more context. Swipe through for a simple breakdown of what these terms actually mean.

Whether you're not sure a provider is actually in network with your plan or if you just want to understand your plan a little better, we're happy to help you walk through the details. Don’t hesitate to give us a call.

No one plans to get sick or injured on vacation, but accidents and illnesses can happen. Knowing what steps to take can make a stressful situation much easier. Here are some steps to consider.

If you have questions about travel medical insurance, our team is here to help! Contact us today.

Labor Day is all about celebrating the workforce, and the best way to honor hard work is to take a real break from it. So to celebrate, our team is fully committing to the cause by penciling some cat naps into our schedules this weekend.

A quick heads-up: The office is closed on Monday, September 7th. We will be back on Tuesday, September 8th — recharged, refreshed, and ready to get to work.

We hope you have a long weekend full of good food, good company, and zero emails!

We’re back today with another home energy tip: If you’re looking to keep your energy costs ⬇️ as temps ⬆️, below is a window into how to do just that.

❄️Today’s Cool Tip❄️ Uncovered windows facing south or west can heat your house up, making your A/C work harder to keep your home cool. Since windows in these directions absorb most of the sun’s heat, it’s a good idea to invest in good blinds or window coverings and keep these windows covered during the day.

Have another energy-saving tip? We’d love to hear – drop it in the comments below.

August is National Eye Exam Month, a perfect reminder to schedule your annual eye exam if you haven’t already.

A comprehensive annual eye exam is covered by most vision plans, meaning you can obtain this key preventive care as easily as scheduling your appointment.

Additionally, these exams can do more for your health than just update your prescription. Your eyes can reveal early warning signs of serious health conditions that you might not know about otherwise, including:

👁️ Hypertension - Irregularities in the eye's blood vessels can signal high blood pressure before other symptoms appear.
👁️ High cholesterol - A yellowish tint or patch around the cornea or eyelid may indicate elevated cholesterol levels.
👁️ Autoimmune disorders - Inflammation in the eye can be an early sign of conditions like lupus.
👁️ Thyroid disease - Bulging or protruding eyes are often associated with thyroid-related conditions.
👁️ Cancer - Unusual structures within the eye can indicate ocular melanoma, and changes around the eyelids may reveal certain skin cancers.

If it has been more than a year since your last eye exam, let this month be your reminder to get it on the calendar.

Not sure what your vision benefits cover? Give our team a call. We are happy to help you take a look.