Insurance Enrollment Center

If you run a business with 10 to 50 employees, your Q1 2027 renewal numbers are likely landing soon and comparing them against your Q4 2026 rates now gives you real room to negotiate or shop, instead of just accepting whatever number shows up in the email.

Rate increases aren't always explained clearly, and by the time open enrollment for your team rolls around, there's often little time left to make changes.

Waiting until the deadline rarely works in your favor. Let's look at your numbers early and see what options actually exist.

Once a year, Medicare gives you a window to actually change something - switch plans, adjust coverage, fix what wasn't working the rest of the year. That window is October 15 through December 7, and once it closes, most people are locked into their choice for all of 2027.

It's easy to let this window pass by if nothing feels urgent. But plans change every year, even when you don't touch a thing - premiums shift, networks shrink, drug coverage gets rearranged.

If it's been a while since you actually looked at your plan, this is the time to do it. We can help you figure out if what you have still fits.

Most Medicare and group health plans cover annual mammograms and preventive screenings at no extra cost, but "covered" doesn't always mean "easy to use." Deductibles, in-network requirements, and referral rules trip people up more than you'd think, and a lot of people skip screenings simply because they're not sure what they'll be charged.

If you're not sure what your screening coverage actually looks like this year, it's worth a quick check before your next appointment, especially with Open Enrollment right around the corner and plan details fresh in everyone's minds.

We're happy to walk through it with you, no appointment required to ask a question.

Every year, a handful of Medicare plans get discontinued or restructured, and the people on them don't always find out until a claim gets denied or a pharmacy visit costs more than expected. When that happens, you're auto-moved into a replacement plan and it might not be a good fit for your doctors or your budget.

The letters explaining this can be easy to overlook in a stack of mail, especially if nothing looks obviously wrong at first glance.

Quick way to avoid the surprise: check now, while AEP is still open and you still have options to compare instead of just accepting whatever you're assigned.

Your calendar app is about to earn its keep.

Medicare Open Enrollment runs October 15 through December 7, and it's the one window each year where you can switch, drop, or add coverage without jumping through extra hoops. Miss it, and you're waiting another full year for the next shot.

The tricky part isn't the dates, it's knowing whether switching actually makes sense for you. That's the part we help with.

Want a second set of eyes on your options before the window closes? Let's set up a time.

"I didn't want to bother you with a small question" is something we hear more than you'd think, and it's always followed by a question that turns out to matter quite a bit.

Whether it's a line on your Medicare card you don't understand, a bill that looks off, or you're just not sure if you're even asking the right question, that's exactly what we're here for. No question is too small, and no, you're not bothering us.

Got something you've been meaning to ask? This is your sign to send it over.

Funeral and cremation costs have a habit of creeping up year after year, right along with everything else. A prepaid cremation plan locks in today's price, so what you pay now is what's covered later, regardless of how much costs rise in between.

It's less about predicting the future and more about taking one variable off the table for your family, so cost isn't something they have to think about when the time comes.

Want to see what locking in today's rate would look like for you? It's a quick conversation.

A lower premium can look like a win, until you find out your regular doctor isn't in the new plan's network. It's one of the most common regrets we hear about after Open Enrollment closes.

Before switching plans, it's worth checking three things: whether your current doctors and pharmacy are in-network, whether your prescriptions are covered at a similar cost, and whether the new plan's total costs (not just the premium) actually come out ahead.

Thinking about switching this year? Let's run the numbers before you commit.

For companies with 10 to 50 employees, group health coverage is often the first thing a candidate checks after salary, and sometimes it's the deciding factor between two offers.

The catch is that a solid-sounding plan on paper doesn't always hold up in practice, if the network is thin or the deductible is high, employees notice fast, and it shows up in retention. Building a plan that actually works for your team takes more than picking whatever's cheapest.

Hiring season coming up, or just want a gut check on your current plan? Let's talk it through.

Here's a detail that surprises a lot of new Medicare enrollees: Original Medicare Part A and B cover a lot, but there's no yearly cap on your out-of-pocket costs. A serious hospital stay could mean a serious bill.

Medicare Supplement plans exist to close that gap, they help cover the coinsurance and deductibles Original Medicare leaves you holding. Different letter plans (G, N, and others) cover different amounts, so picking the right one comes down to your health needs and budget.

Not sure which Supplement plan fits your situation? Let's compare a few side by side.