Klein Insurance

08/27/2026

if you click on it you can see the entire article.

07/02/2026

PSA: make your dermatology appointments!
with my dad having a nucleotide melanoma scare, I knew my annual appointment was upcoming. a spot on my upper lip that I just thought was a dry patch (with enhanced reddening when having a glass of wine) ended up being a pre cancerous spot!! I would have never known!

06/11/2026

www.kleininsure.com

03/14/2026

Let me introduce us: The Morish*ta's with Klein Insurance.....Medicare, Health, and Life.

11/23/2025

Long post warning and if you want to skip the details just know my dad is good and heading home from the hospital today. When he gets home, he will be focused on rest as he's had none this weekend. Thank you prayer warriors!
On Thursday my dad's apple watch gave him a warning that his heart rate had dropped below 40 for over 10 minutes. He felt nothing. wore the watch to bed, nothing. that morning however it happened again heart rate below 40 over 10 minutes. He had a doctor's appointment that day, which went south quickly. The doctor confirmed with a cardiologist that he need a pace maker stat. They transfered him to downtown st. lukes. Overnight the nurse said he kept a low heart rate of 30, with 1st, 2nd, and 3 degree blocks. Had he not mention his ECG from his watch and the alerts, this would not have been caught. HE DID NOT FEEL ANY SYMPTOMS!!!! At some point he would have passed out and may not have came out of it. They installed a pacemaker saturday morning. Surgery went great and we are thankful to the St. Luke's staff and specialists. We are also thankful to Apple without technology my dad may not be here today. I recommend everyone, GET A WATCH and set up your ECG! They also have fall detection and sleep apnea, etc. which is also very valuable.

11/21/2025

pretty sure everyone feels this way!

11/19/2025

Some people still need a little nudge. Deadline is December 7th.

10/11/2025

https://www.facebook.com/share/19s692gLii/

Idaho seniors face an 11.6% increase in Medicare premiums, with one Idaho beneficiary's plan jumping from $0 to $91 monthly amid federal cuts.

10/02/2025

ATTENTION Medicare Advantage and Prescription Drug Plan Recipients:
tired of soliciting phone calls? Know the rules. This is illegal. Don't fall for it. hang up and call your agent, if you want your plan evaluated. Make informed decisions if your making changes. ask your agent to explain benefits. You want an agent in your area familiar with your plan, not someone from clear acrossed the US.

CMS Rules:
Prohibited contact methods
Unless a beneficiary has given explicit permission, the following forms of contact are forbidden:
Door-to-door solicitation: This includes going to a beneficiary's home uninvited to sell or endorse a plan, or leaving flyers.
Unsolicited phone calls: Calls are not allowed unless the beneficiary is already a member of the plan or has given documented permission to be contacted. Sales agents are not permitted to make unsolicited calls.
Text messages or voicemails: Unsolicited text messages and voicemails are explicitly prohibited.
Contact in healthcare settings: Marketing in clinical settings like exam rooms, patient rooms, or at the pharmacy counter is not allowed.
Rules for permitted contact
Even with a beneficiary's permission, strict guidelines must be followed to ensure transparency and proper conduct.
Permission to Contact (PTC)
Before calling or texting a beneficiary to discuss Medicare Advantage or Part D plans, you must have their documented permission, known as Permission to Contact (PTC).
PTC can be obtained through a business reply card (BRC) or an online contact form, and it is valid for 12 months.
Each beneficiary must provide their own consent; for example, consent from one spouse does not apply to the other.
For contact generated through a Third-Party Marketing Organization (TPMO), one-to-one consent is now required, meaning a beneficiary must specifically consent to having their data shared with each individual entity that will contact them.