Steph Floyd Insurance Solutions

Steph Floyd Insurance Solutions Contact information, map and directions, contact form, opening hours, services, ratings, photos, videos and announcements from Steph Floyd Insurance Solutions, Insurance Agent, Austin, TX.

Most people are underinsured and don't know it 👀
Independent agent licensed in 7 states — no quotas, no bias, just the right fit for you
📖 Get my free guide 👇https://lp.constantcontactpages.com/sl/zTo70QO

09/03/2026

Life insurance and Medicare matter — but long‑term care is the gap that puts families at risk.
7 in 10 of us will need it, yet almost no one has a plan.
I’m here to change that with simple, honest guidance that protects your future.
Follow along for real answers and real solutions.

Click here to get started ➡️ https://www.sinkto.link/stephinsure

09/02/2026

Heads up — a lot of people are going to be caught off guard this year.
Around 75% of folks on standalone Part D drug plans will see their premium go up for 2027, even if nothing about their health or medications changed. It’s all happening behind the scenes with how pricing is shifting.

Most people think, “If I didn’t change anything, why would my bill?” Totally fair question. It’s just not how Part D is behaving this time around.

The important part: your renewal notice is the only place you’ll see your actual numbers. So when it shows up, don’t ignore it. Open it. Read it.
And if something looks off or confusing? You’re not alone — and I can walk you through it.

Start Here 👉 https://www.sinkto.link/MCG

Your drug plan premium has been quietly protected by a government program you’ve never heard of. And it’s about to disap...
09/01/2026

Your drug plan premium has been quietly protected by a government program you’ve never heard of. And it’s about to disappear.

It's called the Part D Premium Stabilization Demonstration. I know, not exactly a catchy name. But here's what it's actually been doing. It's helped keep standalone Part D premiums lower and more predictable while some big changes rolled out across Medicare.

That program is ending after this year.

Here's what that means for you. ⤵️

If you're on a standalone drug plan, your premium could move differently than it has the last couple of years, not because your health changed, but because the support behind the scenes is going away.

You don't need to panic about this today. You do need to actually read your renewal notice this year instead of assuming everything stays the same. It might. But "might" isn't something I want you finding out about after the fact.

If you want to know exactly what to check before assuming anything about next year's coverage, comment QUESTIONS and I'll send you the list.

Get Started Here Now 👉

https://www.sinkto.link/MCG







08/31/2026

Back-to-school season has a way of reminding us just how many people count on us every single day.

The kids who need you at pickup. The spouse who's counting on you to remember the thing they mentioned once, three weeks ago. The aging parent who calls just to hear your voice. The coworkers, the neighbors, the people who don't even realize how much they're leaning on you until you're not there for a day.

It's a lot. And most of the time you don't even notice you're carrying it, because you've been carrying it for so long it just feels like Tuesday.

I think about this a lot in my work. Life insurance isn't really about planning for something scary. It's about honoring how much you actually mean to the people around you. It's saying, even if I'm not here, the people who count on me still will be taken care of.

That's not fear. That's just love with a plan attached.

Who's counting on you today, even in small ways? Drop it below. 👇

Click the link to get started right away.

https://stephinsure.com/insurance-interest-form/?utm_source=metanew&utm_medium=reels&utm_campaign=Life





08/24/2026

The name says it all really.

Medigap. As in the gap that Medicare leaves behind.

Original Medicare is incredibly valuable. But it was never designed to cover everything. There is the 20% that you owe after Medicare pays its share. There are deductibles. There are costs that add up fast if something serious happens. And unlike most insurance, Original Medicare has no out of pocket maximum to protect you.

That gap is real. And supplemental coverage exists specifically to fill it.

Here is the simple version of how it works✨

A Medigap plan , also called Medicare Supplement plan, is a separate policy that works alongside Original Medicare. It helps cover some or all of the costs that Medicare does not pay. Depending on the plan you choose, that can mean significantly less coming out of your pocket when you actually need care.

This is one of my favorite things to explain on a call because once people understand it, everything about Medicare starts to make more sense.

If you have Original Medicare and you have ever gotten a bill that surprised you, this is the conversation worth having before AEP gets here.

Send me a DM or drop a question in the comments. I love this one!

Get started here immediately ➡️

https://www.sinkto.link/MCG

Every year I watch people scramble in October for things they could’ve handled in fifteen minutes in August. October ha...
08/20/2026

Every year I watch people scramble in October for things they could’ve handled in fifteen minutes in August. October has a way of sneaking up on people. One day it is still summer and the next day everyone is suddenly talking about AEP and making big decisions under pressure with a deadline breathing down their neck.

So let me tell you right now what is so much easier to do in August than in October.

Pull out your current plan information and look up three things:
1️⃣ Your plan name and plan ID number. You would be surprised how many people do not know this off the top of their head and need it the moment something comes up.

2️⃣ Your current prescriptions and what tier they sit on under your plan. Formularies change every year and knowing where you stand now means no surprises later.

3️⃣Your doctors. Are they still in network? Still accepting patients? A quick call to their office takes five minutes and saves a lot of stress later.

That'sit. Three things. Fifteen minutes. And you will walk into AEP feeling like a completely different person than the one who waited until October 14th to start thinking about it.

If you want help knowing what to look for, drop QUESTIONS in the comments and I will send you the free guide!

You can also schedule right away here ➡️

https://stephinsure.com/insurance-interest-form/?utm_source=metanew&utm_medium=post&utm_campaign=myth

08/18/2026

Okay but… why is everything around us under construction right now?
Roads, buildings, detours everywhere.
And honestly, it feels a lot like life — messy, loud, inconvenient, and still somehow necessary.

Sometimes we’re rebuilding routines, repairing relationships, rerouting plans… and trying to make sense of it while everything feels torn up.
That’s actually when insurance matters most.
Not when life is perfect, but when it’s in progress.

Clarity doesn’t come after the construction.
It comes during it.

If you’re in that season, you’re not alone.
We can figure out the next steps together.

Comment HELP for more

Get started right away here👉

https://stephinsure.com/insurance-interest-form/?utm_source=metanew&utm_medium=reels&utm_campaign=construction

08/17/2026

There are some insurance conversations I can finish in a few minutes. Final expense has never been one of them.

And I've made peace with that. This isn't a "here are your options, pick one" kind of conversation. It's someone telling me about their spouse, their kids, the way they want to be remembered, what they're afraid of leaving unfinished. That deserves actual time, not a rushed pitch between other appointments.

So I slow down. I let there be quiet moments. I let people cry if they need to, and I let them laugh too, because those conversations usually have both. I ask more questions than I answer, at least at first, because I want to understand the whole picture before I ever talk about a policy.

I think that's honestly why I got into this line of work at all. Not for the paperwork. For the moments when someone exhales because they finally feel understood instead of sold to.

Around here, that usually looks like a second up of coffee. It's slow on purpose. It's supposed to be.

If you've ever had this conversation with someone, what made it feel right, or what made it feel rushed?

Comment INFO to learn more

Get started asap here 👉

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https://stephinsure.com/insurance-interest-form/?utm_source=metanew&utm_medium=reels&utm_campaign=FXRushSW







08/15/2026

Most families don’t realize they’re unprepared… until the one person holding everything together suddenly can’t. When my dad went into the hospital, we had to face my mom’s dementia without the person who’d been managing it every day. That moment changed everything for me — and it’s why I started my long‑term care planning now, while life is still calm. If you’ve ever wondered how your family would handle an emergency, this is your sign to start the conversation.

Comment HELP to start your conversation or click the link below

https://stephinsure.com/insurance-interest-form/?utm_source=metanew&utm_medium=reels&utm_campaign=LTC_Texas

08/14/2026

I was walking through the neighborhood today and someone told me she’s been paying almost $600 a month for one medication… because she thought Medicare wouldn’t cover it.
She never asked. Never checked. Just kept paying it.
And the truth is, a lot of people do the same thing — not because they’re careless, but because Medicare is confusing and nobody explains it clearly.
If you’re turning 65 and you’re not sure what your plan actually covers, you’re not alone. I’m right here in Wells Branch, and I can help you understand your options so you don’t end up paying more than you need to.
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Austin, TX

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(512)6302933

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