Nancy Millard - Futurity First

There are a lot of changes happening this year during with Medicare. Please watch for your notices that should be coming out now. If you have a prescription drug plan or Medicare Advantage the time to make changes will be Oct 15th thru Dec 7th. If you have a Medicare Supplement the time to change that is your birthday month. My schedule is already filling up for October....

Call 541.821.4940 to schedule an appointment today. I am licensed in Oregon, California, Nevada, & Washington.

As the Annual Enrollment Period approaches understand there are a lot of good Local Insurance Brokers out there to work with. Don't call these toll free numbers on TV. You will never be able to call this person again. which means you will have no personal agent to look after you when laws change that could effect you. They aren't even supposed to be calling you without your permission per Medicare rules. Support your local brokers. I have been doing this for 7 years and am part of your local community.

Many people are confused as to when you can change insurance when on Medicare. The AEP (10/15-12/7) is the normal to change part D prescription plans and PPO & HMO plans. If you get assistance (LIS) you can change once a quarter. If you have a Medigap Supplement (F, G,N,etc) you change any time but require to be medically underwritten. In California and Oregon they have the "birthday rule" where +/- 30 days of your birthday you can change regardless of you health issues. This is very important if you have a F policy, which is getting very pricey. Changing to a G policy can save you hundreds a year net. Let us know and we can see if staying or changing would be the best way to go. Please call 541.821.4940 it only takes a few moments.

Are you having a birthday in the next 60 days? Have you received an increase in your premiums? If you have a Medicare Supplement Plan F, G, or N than your time to change is your birthday. Please call 541.821.4940 for a No Cost Consultation

Please don't wait to find out what life insurance can provide for you and your family. Did you know that life insurance may have living benefits that you could use? It is worth taking the time to find out your options. Life insurance is based on age and your health... Please call today for a No Cost Consultation 541.821.4940...Let me help you protect what's important to you.