Valley United Insurance Agency

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Valley United Insurance Agency

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Valley United Insurance Agency offers effective benefit solutions designed to meet the needs of Empl

10/15/2026

📣Medicare's Annual Enrollment Period is here! The enrollment window is from October 15 through December 7.

During this time, you can:

➡️ Enroll in a Medicare Advantage plan

➡️ Switch between Medicare Advantage and Original Medicare

➡️ Join, drop, or change a Part D prescription drug plan

Even if you’re satisfied with your current coverage, it’s important to review your plan and compare your options each year. Plan costs, benefits, provider networks, and drug formularies can change from one year to the next, and your own health care needs may change, too.

You don’t have to navigate your options on your own. Contact us to schedule an Medicare review meeting. We are here to help you!

10/14/2026

🩺 Preventive Care = Lower Costs for Everyone

When employees skip checkups, chronic conditions go undetected — and claims go up. That impacts your group health premiums over time.

✅ Encourage checkups
✅ Offer simple wellness incentives
✅ Promote a culture of care

Small steps today can reduce big costs tomorrow — and support a healthier, more productive workforce.

Need help building a smarter benefits strategy? We’re here to support you.

10/12/2026

A week-long hospital stay can cost you thousands of dollars out of pocket, even with Original Medicare or a Medicare Advantage plan. Daily copayments, deductibles, and cost-sharing add up fast when you’re hospitalized.

Hospital indemnity insurance is a great solution. A plan pays you cash benefits directly for a hospital stay, so you're not forced to drain your savings. Benefits go straight to you and can be used for any expense: copays or deductibles, lost income, household bills, or recovery costs.

Wondering if it's right for you? Let's talk about your coverage needs and find the right plan.

10/09/2026

Welcome to the Valley United Insurance Agency team, Stacie Perry! 💜

We’re so lucky to have Stacie join us as a Group Account Manager! As a wife and mother of two, Stacie brings not only her 25+ years of customer support and service experience, but also a genuine commitment to helping others.

Stacie works hard for her clients and her team, always going the extra mile to provide excellent service and support. We’re grateful to have her as part of the Valley United family and excited for all she brings to our team!

Welcome to Valley United, Stacie! 🎉

10/08/2026

Are your employees actually using their benefits? 🤔
Many valuable benefits go underutilized simply because employees don’t fully understand them or forget they’re there.

The solution? Ongoing communication. Think of benefits as a marketing campaign and be sending out repeated, clear, and accessible messaging.

Here are 7 simple ways to boost engagement:
1️⃣ Treat benefits communication like a marketing campaign
2️⃣ Use carrier and vendor materials
3️⃣ Lean on your broker for education and support
4️⃣ Communicate across multiple channels
5️⃣ Segment messaging for different employee groups
6️⃣ Make benefits easy to access
7️⃣ Share real examples and employee stories

Every step helps drive better understanding, higher utilization, and more satisfied employees. So if you can't tackle all seven, start with one or two! 💡

10/06/2026

🎉 Welcome to the Valley United Insurance Agency team, Charles Federico!

We’re excited to welcome Charles as a Medicare, Individual & Small Group Benefits Consultant. As a husband and father of two, Charles understands the importance of protecting what matters most — your health, your family, and your peace of mind.

Charles truly cares about putting our clients first and taking the time to understand their needs so he can help them find the health and benefit coverage that fits them best.

We’re thrilled to have Charles on our team and look forward to all the ways he’ll serve our clients! 💙

Welcome to Valley United, Charles!

10/05/2026

Reminder for employers: if you offer prescription drug coverage, you're required to send Medicare Part D Creditable Coverage notices to Medicare-eligible employees and their dependents by October 15, ahead of Medicare's Annual Enrollment Period.

These notices let recipients know whether your plan's drug coverage is as good as or better than Medicare's, information they need to avoid a late enrollment penalty. We're here to help. Let's make sure your notices are ready to go out on time.

10/01/2026

Breast Cancer Awareness Month is a reminder to turn awareness into at least one practical step. That could mean scheduling an overdue appointment, writing down your family health history, asking your doctor about screening, or learning what is normal for your body. ♥

Possible warning signs can include a new lump in the breast or underarm, thickening or swelling, skin dimpling or irritation, or a change in breast size or shape. Many breast changes are not cancer, but an unexplained change should be discussed with a healthcare professional, even after a recent normal mammogram.

It also helps to know how your insurance works. A routine screening mammogram may be handled differently from diagnostic imaging ordered to evaluate a symptom or follow up on a finding. Network rules, referrals, prior authorization, and out-of-pocket costs can vary by plan and service.

If you have questions about how your plan may cover preventive screening, diagnostic tests, prescriptions, or specialist care, contact our office. We can help you understand your benefits and prepare useful questions before the appointment.

09/30/2026

Over the past two years, we've seen a significant shift in Medicare Advantage. Some plans are cutting benefits, exiting counties, and rethinking how they operate. The reason mostly boils down to profitability pressures that are unlikely to disappear.

During enrollment season this year, watch for notifications from your current plan that reflect these patterns. County exits would be announced in a plan termination notice, and any benefit cuts or network changes are reflected in your Annual Notice of Change (ANOC) that you should have received in September. Understanding these patterns may help you look for changes and make smart choices.

We can help you sort through what's changing in your area and find a plan that's stable and fits your needs.

09/28/2026

Feeling stuck, stressed, or low? Moving your body can help more than you might think... even a little goes a long way! 💙

Research shows that regular exercise can reduce symptoms of depression, improve sleep, and boost overall mood. And it doesn’t have to be intense. Walking, stretching, or even doing chores can make a difference.

The key is consistency. Even 10–15 minutes a day can help you build momentum and start feeling better over time.

Address

1108 W Jenny Street
Bay City, MI
48706

Telephone

+19896867099

Website

http://www.valleyunitedinsurance.com/

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