Guardicares Insurance Agency

10/17/2026

📣 Cape Coral and Southwest Florida residents with UnitedHealthcare—please review this update.

Lee Health has announced that beginning January 1, 2027, its hospitals and physicians will be out of network for affected UnitedHealthcare employer-based, individual, and Medicare Advantage plans.

A few important distinctions:

• UnitedHealthcare/AARP Medicare Supplement (Medigap) coverage is not affected by this network change.
• UnitedHealthcare Marketplace plans are already out of network with Lee Health.
• Florida Heart Associates’ contracts are not included in this change.

Your insurance itself is not being canceled, but receiving care out of network could mean higher costs or coverage limitations. Don’t cancel scheduled care without first understanding your options. If you’re in active treatment, ask UnitedHealthcare about Continuity of Care.

I’m here to help you review your Medicare or individual health insurance options and check your doctors and hospitals before you make a decision.

📞 Julie Evans | Guardicares Insurance Agency
239-499-3040

Read Lee Health’s full notice and updates:
Lee Health UnitedHealthcare Notice

10/17/2026

Cape Coral residents—I’m excited to announce our new Guardicares Insurance location at Executive Suites!

📍 4706 Chiquita Blvd, Suite 200
Cape Coral, FL 33914

Need help understanding your Medicare or individual health insurance options? Let’s schedule a time to meet and review your coverage needs.

📞 239-499-3040

Julie Evans | Agency Owner
Guardicares Insurance Agency

You can’t consider a plan you don’t know exists.

10/17/2026

It’s official—Medicare Open Enrollment is underway through December 7! Individual and family health insurance Open Enrollment begins November 1.

Now is a great time to review your coverage and explore options for the year ahead. I’m here to help you understand your choices and find coverage that fits your needs.

Contact Julie Evans at Guardicares Insurance Agency to schedule your review.

You can’t consider a plan you don’t know exists.

10/13/2026

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Experience. Integrity. Relationships. Insurance with a Personal Touch. Hello, I'm Julie Evans, owner of Guardicares Insurance Agency. I've spent more than 23 years owning and operating an independent insurance agency, helping individuals, families, and business owners protect what matters most. Thro...

10/12/2026

🚨 Medicare Annual Enrollment Begins October 15!

Did you know that hospitals, doctors, prescription coverage, and out-of-pocket costs can change from one year to the next—even when you keep the same Medicare plan?

With changes affecting healthcare provider networks in Southwest Florida, now is a good time to review your coverage for 2027.

Before you decide to keep your current plan, ask yourself:

✓ Are my preferred doctors and hospitals still in network?

✓ Are my prescriptions still covered?

✓ Have my copays or other costs changed?

✓ Have I reviewed my available options?

You can't consider a plan you don't know exists.

Medicare Annual Enrollment runs October 15 – December 7, 2026.

Contact Guardicares Insurance Agency for a personalized Medicare coverage review.

Julie Evans | Agency Owner
Guardicares Insurance Agency

Not affiliated with or endorsed by the U.S. government or the federal Medicare program.

[Insert the applicable current CMS-required TPMO disclaimer, including your contracted organizations and plan counts, before publishing.]

10/03/2026

Heard mixed things about annuities? Let’s talk.

Maybe you’ve heard they tie up your money, are complicated, or leave nothing for your family. Those concerns deserve a conversation—because different annuities work in different ways.

Today’s options can address several needs:

• Predictable growth: A Multi-Year Guaranteed Annuity, or MYGA, offers a fixed interest rate for a selected period, often 3, 5, or 7 years.

• Retirement income: Some annuities offer income that can last your lifetime. Options, costs, and requirements vary.

• Access to your money: Some contracts allow limited withdrawals without surrender charges. Taxes and IRS early-withdrawal penalties may still apply.

• Protection for loved ones: Many deferred annuities provide a death benefit to named beneficiaries. The amount depends on the contract and any income option selected.

• Help with future care expenses: Some annuities offer optional long-term care riders that help pay for qualifying care. Covered services, eligibility, benefit limits, and additional costs vary by contract.

These features aren’t all new, and every annuity doesn’t include every feature. One person’s experience with one annuity doesn’t tell the whole story.

The details matter. Fees, surrender periods, withdrawal restrictions, and possible market value adjustments deserve just as much attention as the benefits.

You don’t need to know all the terminology to ask questions. That’s where we start.

Julie Evans | Agency Owner
Guardicares Insurance Agency

Annuities are insurance products and are not FDIC-insured. Guarantees depend on the issuing insurer’s financial strength and claims-paying ability. Withdrawals may be taxable; taxable amounts withdrawn before age 59½ may incur an additional 10% federal tax unless an exception applies. Features and availability vary. Educational information only; consult your tax professional for tax guidance.

10/01/2026

Make the Most of Your Medicare Review ⏰

There are many changes to Medicare plans for 2027. Your current plan may not look the same next year, so this is an especially important year to review your coverage.

Plans may have changes to premiums, copays, deductibles, prescription coverage, pharmacy and provider networks, maximum out-of-pocket costs, and additional benefits.

To make the best use of your appointment, please bring your current insurance cards, medication list with dosages, preferred pharmacy, and a list of your doctors and specialists.

That allows us to spend our time reviewing what has changed and how those changes affect YOU — rather than gathering information during your appointment.

📅 Appointments fill quickly during Annual Enrollment. Schedule early, come prepared, and let’s make your Medicare review count.

Julie Evans | Agency Owner
Guardicares Insurance
📞 763-280-7821
🌐 guardicares.com

Not affiliated with or endorsed by the U.S. government or the federal Medicare program.

10/01/2026

📅 Don’t Wait Until December to Schedule Your Medicare Review!

Medicare Annual Enrollment runs October 15 through December 7, but waiting until the last minute can make the process more stressful than it needs to be.

An annual review takes time because we want to look at what matters to you — not simply compare premiums.

✔️ Are your doctors still in-network?
✔️ Are your prescriptions still covered, and at what cost?
✔️ Have your copays, deductibles or maximum out-of-pocket costs changed?
✔️ Have your plan benefits changed for 2027?
✔️ Is your current plan still meeting your needs?

Appointments fill up quickly during Annual Enrollment. Scheduling early gives us time to review your information, answer your questions and compare your available options before the December 7 deadline.

Even if you love your current plan, it’s worth reviewing what is changing for the new year.

📞 Schedule your Medicare review early.

Julie Evans, Agency Owner
Guardicares Insurance
763-280-7821
[email protected]
www.guardicares.com

Serving Minnesota • Wisconsin • Florida

Not affiliated with or endorsed by the U.S. government or the federal Medicare program.

10/01/2026

🚨 MEDICARE ANNUAL ENROLLMENT IS ALMOST HERE!

October 15 – December 7

Your Medicare plan may have worked well for you this year — but that doesn’t automatically mean it’s the best fit for 2027.

Plans can change from year to year, including:

✔️ Premiums & out-of-pocket costs
✔️ Prescription drug coverage
✔️ Provider & pharmacy networks
✔️ Copays and deductibles
✔️ Additional plan benefits

This is your opportunity to review your current coverage and compare your options for 2027.

Already happy with your plan? Great! A quick annual review can help make sure there aren’t changes you overlooked.

🎂 Turning 65? I can also help you understand Medicare Advantage, Medicare Supplement and prescription drug coverage — without all the confusion.

📞 Julie Evans, Agency Owner
Guardicares Insurance Agency
763-280-7821
[email protected]
www.guardicares.com

Serving Medicare clients in Minnesota, Wisconsin & Florida

Let’s make Medicare easier to understand.

Not affiliated with or endorsed by the U.S. government or the federal Medicare program.