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HST.roseminick

Medicare, Health and Life insurance - A plan for Everyone

04/20/2026

April is Stress Awareness Month, making now a great time to check in on how your benefits can help you navigate chronic stress.

The good news is that many plans cover key physical health care services that can help treat the physical symptoms of stress. This can include preventive care, specialist visits, and primary care visits.

Additionally, mental health care services, including therapy, psychiatric services, and telehealth options, are also commonly covered. Seeking specific mental health care can help you address the root causes of the stress you experience and help you learn coping strategies.

Getting support for physical or emotional symptoms of chronic stress is important for your long-term health and wellness. If you have questions about your coverage, don’t hesitate to reach out. We’re here for you.

04/09/2026

April is Stress Awareness Month, and we wanted to honor the month by sharing some key ways your health benefits can support the treatment of chronic stress. Chronic stress can have serious impacts on both your emotional and physical well-being. Swipe through to learn more.

Getting support for physical or emotional symptoms of chronic stress is important for your long-term health and wellness. If you have questions about how your coverage can support treatment for these symptoms, don’t hesitate to reach out. We are always here to help.

03/24/2026

With the plan year underway, are there any benefits that you wish you had added? This can happen as you settle into the year, and the good news is that you have solutions. Swipe to see some common health insurance add-ons, why they matter, and what they typically cover.

If you’d like help adding supplemental coverage to your existing portfolio, call our office, and we can compare options side by side and find the coverage that fits your needs.

03/08/2026

Every March 8th, the world comes together to celebrate the remarkable women who have shaped our world, honor the progress made toward gender equality, and recognize the work that still lies ahead.

While this is a global holiday, there are so many influential women to celebrate at the community level. That is why, in recognition of this day, we encourage you to shout out a female leader or mentor in the comments.

03/04/2026

March is Colorectal Cancer Education and Awareness Month, and it brings an important reminder that early detection of colorectal cancer can save lives.

Swipe through for key screening facts, who should get screened, and what testing options are available.

If you have questions about coverage for colorectal cancer screening, feel free to call our office. We’re here to support you.

03/03/2026

March is Workplace Eye Wellness Month, and it’s the perfect time to consider how your benefits package supports employee eye health.

Routine eye exams do more than just update a prescription for glasses. They can detect early signs of chronic conditions, such as diabetes and high blood pressure — making vision care a wise investment in your team's overall well-being.

Here are three ways to add or enhance vision coverage:

1️⃣ Group Vision Insurance – Comprehensive and commonly bundled with health or dental plans.
2️⃣ Vision Health Reimbursement Arrangements (HRAs) – A tax-advantaged way to reimburse employees for vision care.
3️⃣ Voluntary Vision Benefits – No employer contribution required; employees can opt in and save through group rates.

For big budgets and small budgets alike, there are vision coverage options available for employers. Want to explore the best fit for your team? Give us a call today.

02/25/2026

Life can be unpredictable, but your family’s future doesn’t have to be. Life insurance helps safeguard your loved ones from financial uncertainty and gives you the peace of mind that they’ll always be cared for. What’s more, many policies offer a financial cushion you can draw on during your lifetime.

Choosing your life insurance policy is a big decision; don’t go it alone. Our team is here to guide you through the process, avoiding cookie-cutter solutions and ensuring you find the right policy for your lifestyle and budget.

Want to explore your options? Call our office today. We are here to help.

02/24/2026

With tax season upon us, we’re sharing an important reminder: The income reported on your tax return could impact how much you pay for Medicare Part B and Part D.

That’s because higher incomes can trigger an income-related monthly adjustment amount (IRMAA) — an added charge on top of your standard premium.

The good news is that IRMAAs have a two-year lag time, giving those potentially impacted time to prepare.

Have questions or want to double-check your numbers? We’re here to help — reach out anytime.

12/08/2025

Missed the Medicare Annual Enrollment Period? You might still have options.

If you didn’t enroll during the main window, there may be other opportunities to get covered:

✅ Medicare Advantage Open Enrollment (January 1–March 31): Switch to a different Advantage Plan or return to Original Medicare — if you're already in a Medicare Advantage Plan.

✅ Special Enrollment Periods: Life changes like moving or losing coverage may qualify you for a SEP.

✅ Medigap Enrollment: Recently turned 65? You may still be within your six-month Medigap window for supplemental coverage.

Medicare can be complex, but you don’t have to figure it out alone. Contact us today for assistance in reviewing your situation and exploring your current options.

11/26/2025

The Medicare Annual Enrollment Period ends soon — December 7th is just around the corner.

Now is the time to make any changes to your Medicare health or prescription drug coverage for the upcoming year. This unique window is open to all Medicare beneficiaries, unlike other enrollment periods with more limited eligibility.

Need guidance? Our team is here to help you navigate your options. Don’t wait — contact us before the deadline!

11/24/2025

Medicare Annual Enrollment is in full swing, and it’s Medicare enrollees’ main opportunity to adjust coverage to fit current needs.

Whether you're reviewing options for yourself or a loved one, here are some important dates to know:

✅ December 7th - Deadline to enroll and make changes to the upcoming year. Be sure your enrollment form for a chosen plan is received by this date.

✅ January 1st - New coverage starts, and any changes made in annual enrollment take effect. If you kept your plan the same, updates to costs or benefits also begin today.

Medicare can be complex, but you don’t have to figure it out alone. Contact us with any Medicare questions or needs. We’re here to help!

Address

1012 Oak Glen Circle
Ballwin, MO
63021

Opening Hours

Monday	10am - 7pm
Tuesday	10am - 6pm
Wednesday	8am - 6pm
Thursday	8am - 6pm
Friday	8am - 6am
Saturday	8am - 6pm

Website

https://myhst.com/agent/rose-minick, https://www.healthsherpa.com/?_agent_id=rose-minick-w869vq, https://www.facebook.co

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