Klein Insurance

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.

09/30/2025

clean and fun. I think we all feel this way!

09/04/2025

Life Insurance Awareness month!!!
The younger you are, the cheaper it is. Don't wait until it's too late. If you'd like a free quote, let's talk!

09/03/2025

When you see an ad like this, it is a good idea to call your agent. If it looks too good to be it probably is!! what this ad doesnt state is that those rates are for a high deductible G....meaning you'd have to pay around 3k prior to insurance covering anything.

05/16/2025

Happy Endangered Species day! please visit defenders.org/action to help prevent extinction, recover plants and animals and protect ecosystems.

Stand Up For Wildlife

05/02/2025

I just added Long Term Care Insurance to my portfolio. If you ever question who is going to take care of you when you can no longer take care of yourself or how you are going to afford such care, please reach out to me.

Send a message to learn more

03/14/2025

If you pay over 400 a year for your teeth, then an Dental Insurance plan will pay for it self. Premiums start around $30/m for all ages 19-99, and you can have up to a $5,000 coverage limit. I am happy to help for anyone interested! Give me a call or send me a message!