Longwill Insurance

I joined the SBDC years ago and it has been transformative to my business!

Ruth, pictured with me, has been my coach for those years and without her guidance, I probably would have stunted my own growth with all the indecision I suffer with.

For those not aware, the SBDC is a no cost program for small businesses to access free coaching and resources to help guide their business to the next level. I was so blessed to have learned of the program and to have taken advantage of what was offered!

For anyone who feels like something like this could help, shoot me a DM and get you connected. You won’t be disappointed!!

In just about 30 days, the Open Enrollment period for Medicare and the Health Insurance Exchange will begin.

Nearly three years ago, the Inflation Reduction Act introduced significant changes to Medicare Part D, particularly affecting prescription drug costs. Previously, Medicare had an $8,000 annual cap on out-of-pocket drug expenses. That cap has now been reduced to $2,000, which is a fantastic benefit for consumers. However, this reduction increases the financial burden on insurance companies, which will need to adapt to remain financially stable in the future.

Given these upcoming changes, we anticipate significant shifts in the Medicare landscape that could affect many beneficiaries.

As Open Enrollment approaches, it's crucial to consult with a broker to understand how these changes might impact you. Whether you choose to speak with me or another broker, getting informed is essential. Waiting until January or February may leave you in a tough situation.

My office will be available throughout the Open Enrollment period from 8 a.m. to 8 p.m. Feel free to reach out if you need assistance.

I’m here to help with Medicare plans, individual and family insurance, and group benefits. Don’t hesitate to call!

This upcoming year in the MEDICARE space will likely be one of the most challenging years yet. There will be some significant legislative affects because of the Inflation Reduction Act(IRA) that will take place in 2025 that will leave many people on Medicare in a potentially frustrating situation if they do NOT shop their health plan this year. If you, or anyone you know is on Medicare, I highly advise you take a hard look at your coverage this fall to be sure you aren't stuck on a health plan next year that is not right for you!

Keep in mind, that although this is a HUGE improvement to limit the cost people pay on medications, this is a huge price increase to the insurance companies who have to pay for all of this. As a result, we anticipate that insurance companies will be scaling back some of their benefits, making plans less advantageous than they have been. But, of course, we don't know for sure what things will look like till plans are released for next year, but its important people are aware of what changes are coming.

Feel free to read this article on some of the changes coming down the line.

https://www.hhs.gov/about/news/2024/04/01/cms-finalizes-payment-updates-2025-medicare-advantage-medicare-part-d-programs.html #:~:text=Thanks%20to%20the%20Inflation%20Reduction,Part%20D%20in%20CY%202025.

🔺PICKLEBALL🔺
Come join us for our fundraiser tournament on August 3rd at The Flying Pickle for the Alzheimer's Association!!
Registration links:
3.0 https://book.theflyingpickle.com/programs/picklin-to-end-alzheimer-s-mixed-3-0
3.5 https://book.theflyingpickle.com/programs/picklin-to-end-alzheimer-s
4.0+ https://book.theflyingpickle.com/programs/picklin-to-end-alzheimer-s-cedca18d-90d1-42f4-8174-303cc95d18b3

So thankful for the reviews we receive! We want everyone to be treated like they are family!

This is good news! we generally see an increase each year on HSA's, but this is a pretty decent jump! If you are healthy, and are paying high costs for insurance, you might benefit from going with a higher deductible plan that's compatible with an HSA. Not only might you save money in premiums, but you can stow away some cash for that rainy so a medical bill doesn't catch you by surprise! Oh, and you get the tax benefits!😉

IRS reveals 2024 health savings account limits. What to know about the 'significant increase,' says advisor The IRS is providing a sizable increase for the 2024 health savings account contribution limits. Here's what taxpayers need to know.

My company, along with a few others I work extremely close with, are sponsoring a fundraiser to support the Alzheimer's Association. We all have had loved ones suffer from this disease, so its amazing to be apart of this opportunity. Join us in making a difference by registering and coming to play in our pickleball fundraiser!

What - PICKLEBALL! 2 skill brackets - 1.Beginner and 2.Intermediate/advanced
When - June 17th, 2023 9am- 2pm!
Where - Hobble Creek Park - 5835 N Discovery Way Boise, ID 83713
Who - You and your partner! - Mixed Doubles! (male/female team)
Why - Because you and I both know someone who has suffered, or is suffering with some form of Alzheimer's! Join the community along side all those who want to support the cause to end Alzheimer's.

Registrations will go quick so jump in while you can! 24 teams only!

If pickleball isn't your thing and you just want to donate, please use this link! - https://act.alz.org/site/TR;jsessionid=00000000.app20115b?px=12702967&fr_id=16164&pg=personal&NONCE_TOKEN=0CF3C4C1F36A16B4BC076F63D72E43F0

Longwill Insurance is proudly licensed to operate in Idaho, Utah, Oregon, and Washington. In those states, we are authorized to offer Medicare health insurance and life insurance products.
In Idaho only, we are authorized to offer individual and family health plans through the Your Health Idaho exchange, as well as small group employee benefits. Soon, we will be able to offer those plans in other states.

We had a blast today at the annual NABIP bowling tournament to raise money for COBS. It was great to see over 100 people there to support the cause and rub shoulders with others in our industry.