Yoss Insurance Agency, LLC

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Yoss Insurance Agency, LLC Helping seniors understand Medicare Advantage & Supplement plans. Free consultations. Serving Richmond, VA and surrounding counties. Hours: Mon–Fri, 9 AM–5 PM.

Call (804) 240-0600 or visit YossInsurance.com. Our portfolio offers a broad range of products and services appealing to self- employed and retired individuals. As a broker specialized in offering numerous health insurance plans affiliated with top rated insurance companies through our strategic partnerships enabling us to deliver optimum results. We offer our services at no-cost, no obligation analysis of your current situation. Guidance is essential for our clients to understand each product with personal consultation in the home, office or virtual conference. We are community orientated. Our informal educational Medicare 101 seminars to local communities, union, state employees, and retirees are communicated and appreciated for making better informed decisions. We are helping people every day with their individual Medicare health insurance .

Do you need a separate Medicare drug plan?If you have Original Medicare—with or without a Medicare Supplement (Medigap) ...
10/15/2026

Do you need a separate Medicare drug plan?

If you have Original Medicare—with or without a Medicare Supplement (Medigap) plan—prescription drug coverage is not included. You may want to enroll in a standalone Part D plan.

Most Medicare Advantage plans include prescription drug coverage, so a separate Part D plan usually isn’t needed.

Your medications, preferred pharmacy, and other coverage all matter when choosing the right option. I’m here to help you review your choices and feel confident in your Medicare coverage.

Call me at (804) 240-0600 for a free consultation.

Turning 65 soon? One of the best times to consider a Medicare Supplement (Medigap) plan is during your Medigap Open Enro...
10/13/2026

Turning 65 soon? One of the best times to consider a Medicare Supplement (Medigap) plan is during your Medigap Open Enrollment Period.

This one-time 6-month window begins the month you are 65 or older and enrolled in Medicare Part B. During that time, insurance companies generally can’t use medical underwriting to deny your application or charge more because of pre-existing health conditions.

If you wait until after that window, you may have to answer health questions, could have fewer plan choices, or may pay more—unless you qualify for a guaranteed-issue right.

Medicare decisions can feel overwhelming. I’m here to help Richmond-area seniors understand their options and choose coverage with confidence.

Call me for a free consultation: (804) 240-0600

Medicare drug plan costs can change from year to year—so it’s worth reviewing your coverage before you renew.Visit Medic...
10/09/2026

Medicare drug plan costs can change from year to year—so it’s worth reviewing your coverage before you renew.

Visit Medicare.gov/plan-compare to compare prescription drug plans, check whether your medications are covered, and estimate costs at your preferred pharmacy.

Not sure where to start? I’m here to help Richmond-area seniors understand their Medicare options and make confident coverage decisions.

🎂 Turning another year older may give Virginia Medigap policyholders a new opportunity to review their coverage.Virginia...
10/08/2026

🎂 Turning another year older may give Virginia Medigap policyholders a new opportunity to review their coverage.

Virginia’s Medigap Birthday Rule gives eligible residents who already have a Medicare Supplement (Medigap) policy a 60-day window beginning on their birthday to apply for a different Medigap policy with the same benefits—such as Plan G to Plan G—without medical underwriting. Call me or reach out to me if you want to save money on your premiums

This rule applies to Medicare Supplement policies, not Medicare Advantage plans. Before making a change, it’s important to compare premiums, coverage details, and effective dates—and never cancel current coverage until new coverage is issued and effective.

Have a birthday coming up? I’m happy to help you understand your options. Call me at (804) 240-0600 for a free consultation.

We wish each of you a wonderful Labor Day! During this annual celebration of hard work, may you enjoy a well-deserved, r...
09/07/2026

We wish each of you a wonderful Labor Day! During this annual celebration of hard work, may you enjoy a well-deserved, restful break.

Please note that our office will be closed on Monday, September 7th, in observance of the holiday, and will reopen on Tuesday, September 8th.

As you may know, it’s almost time for Medicare’s annual enrollment period (AEP), a key opportunity to alter your Medicar...
08/18/2026

As you may know, it’s almost time for Medicare’s annual enrollment period (AEP), a key opportunity to alter your Medicare health and prescription drug plans for the upcoming year. The Medicare AEP runs from October 15th to December 7th every year, making now a potentially advantageous time to review your current coverage and plan ahead for any changes next year.

Thinking about this now, before the period opens, can make the process easier and give you enough time to compare options and make an informed decision about your care. Swipe for a few areas to revisit as you prepare for the beginning of the AEP.

Make sure the providers in your plan are still in your plan for next year.

A little preparation now can make the process simpler and help you choose coverage that fits your needs. That said, if you’d like to go over your current plan, feel free to reach out. We are always here to help you carefully assess your needs so you can make an informed decision.

If you’re turning 65 soon and are unsure about what it means to enroll in Medicare, you are not alone. One of the most c...
08/06/2026

If you’re turning 65 soon and are unsure about what it means to enroll in Medicare, you are not alone. One of the most common questions we hear from those nearing retirement is around the timeline for signing up for Medicare.

So, we wanted to share a few important reminders to help you stay on track:

✅Know your enrollment window. Your initial enrollment window lasts for seven months — three months before your 65th birthday, your birthday month, and three months after your birthday. Enrolling early in this timeframe can help ensure your coverage begins right when you need it.

✅Understand how to sign up. Some individuals are automatically enrolled in Original Medicare, while others need to take action themselves to enroll in Original Medicare. This often depends on whether you are already receiving Social Security benefits.

✅Do not delay without a plan. Waiting too long to enroll without qualifying coverage can result in delayed coverage start dates and ongoing late-enrollment penalties.

✅Be aware of other options. If you are still working and covered under an employer plan, you may qualify for a Special Enrollment Period that can allow you to defer your enrollment. However, missing all enrollment windows can limit your options and increase costs, so it's best to clarify this early.

Medicare decisions can feel overwhelming, but you do not have to navigate them alone. Whether you are approaching 65 or are simply evaluating your options, contact us for guidance tailored to your situation.

Choosing a health care provider is an important decision, and the right tools can make it easier. Whether you need a new...
08/05/2026

Choosing a health care provider is an important decision, and the right tools can make it easier. Whether you need a new primary care doctor, a specialist, or want to compare facilities, Medicare’s Care Compare tool helps put trusted information at your fingertips.

Swipe through for a quick guide on how it works. And remember, if you ever need help navigating your coverage, our team is here to assist.

Did you know if you have a Supplement plan that you can change to another company beginning on your birthday up to 60 da...
08/03/2026

Did you know if you have a Supplement plan that you can change to another company beginning on your birthday up to 60 days . If your monthly payments have gotten too high you may get a quote from us. You may only change from like to another like plan without medical questions to answer! Call us today we have the answers for you.

Navigating benefits and enrollment can feel overwhelming, especially when you are sorting through plan details, costs, a...
07/15/2026

Navigating benefits and enrollment can feel overwhelming, especially when you are sorting through plan details, costs, and important deadlines. Keeping everything in one place, whether in a folder or a digital file, makes it easier to review your coverage, understand your costs, and spot changes, so you can make confident decisions for the year ahead.

Keep current ID cards somewhere easily accessible, and store plan documents, important letters, and digital backups in one place so you can easily review your coverage and stay organized.

If you want to feel more prepared navigating your benefits, our team is here to help you get organized and review your coverage with confidence. Reach out today to get started.

Address

Serving Richmond-Surrounding Counties
Chesterfield, VA
23831

Opening Hours

Monday 9am - 5pm
Tuesday 9am - 5pm
Wednesday 9am - 5pm
Thursday 9am - 5pm
Friday 9am - 5pm

Telephone

+18042400600

Website

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