Joanna Walek - Health Insurance Broker

Joanna Walek - Health Insurance Broker Independent Health & Life Insurance Agent. IL, MI, FL, AZ, TX, NJ, CA

📬 KEEP AN EYE OUT FOR YOUR MEDICARE ANNUAL NOTICE OF CHANGE (ANOC)!Your Medicare Annual Notice of Change (ANOC) is a yea...
08/28/2026

📬 KEEP AN EYE OUT FOR YOUR MEDICARE ANNUAL NOTICE OF CHANGE (ANOC)!

Your Medicare Annual Notice of Change (ANOC) is a yearly document sent by your Medicare Advantage or Part D prescription drug plan. It outlines important changes to your coverage, costs, benefits, and provider/pharmacy networks that will take effect on January 1.

🔎 Don’t overlook it! Take the time to review your ANOC carefully. Changes to your plan could affect your healthcare costs and coverage for the upcoming year.

❓ Have questions or concerns about your plan or the changes listed in your ANOC?

📞 Contact your Medicare broker for assistance. I’m here to help you understand your options and make sure your coverage continues to meet your needs.

📬 WYPATRUJ SWOJEGO MEDICARE ANNUAL NOTICE OF CHANGE (ANOC)!

Medicare Annual Notice of Change (ANOC) to coroczny dokument wysyłany przez Twój plan Medicare Advantage lub Medicare Part D. Zawiera on ważne informacje o zmianach dotyczących zakresu ubezpieczenia, kosztów, świadczeń oraz sieci lekarzy, szpitali i aptek, które wejdą w życie 1 stycznia.

🔎 Nie przeocz tego dokumentu! Poświęć chwilę na dokładne zapoznanie się z ANOC. Zmiany w Twoim planie mogą mieć wpływ na koszty opieki zdrowotnej oraz zakres ubezpieczenia w nadchodzącym roku.

❓ Masz pytania lub wątpliwości dotyczące swojego planu albo zmian przedstawionych w ANOC?

📞 Skontaktuj się ze swoim brokerem Medicare. Chętnie pomogę Ci zrozumieć wprowadzone zmiany i sprawdzić dostępne opcje, aby upewnić się, że Twoje ubezpieczenie nadal odpowiada Twoim potrzebom.

Happy 4th of July! 🇺🇸 Wishing you and your family a safe, fun, and memorable Independence Day. Thank you for trusting me...
07/03/2026

Happy 4th of July! 🇺🇸 Wishing you and your family a safe, fun, and memorable Independence Day. Thank you for trusting me with your health insurance needs. Enjoy the holiday!

Joanna

🎈 Z okazji Dnia Dziecka życzę wszystkim Małym i Dużym Dzieciom mnóstwa radości, uśmiechu i powodów do szczęścia każdego ...
06/01/2026

🎈 Z okazji Dnia Dziecka życzę wszystkim Małym i Dużym Dzieciom mnóstwa radości, uśmiechu i powodów do szczęścia każdego dnia! 😊

Niech dziecięca ciekawość świata, marzenia i energia nigdy Was nie opuszczają. Znajdźcie dziś chwilę na zabawę, śmiech i robienie tego, co sprawia Wam największą przyjemność.

Wszystkiego najlepszego z okazji Dnia Dziecka! 🎉🍭🎁

🎈 Happy Children's Day to all children — both young and young at heart! 😊



We wish you endless joy, laughter, wonderful adventures, and plenty of reasons to smile every day.

May your curiosity, dreams, creativity, and positive energy never fade. Take a moment today to enjoy the little things, have fun, and celebrate the child within you.

Happy Children's Day! 🎉🍭🎁

Wishing You a Safe and Wonderful Memorial Day Weekend!
05/23/2026

Wishing You a Safe and Wonderful Memorial Day Weekend!

Happy Mother’s Day to all the amazing moms and caregivers! Wishing you good health, happiness, and special moments with ...
05/10/2026

Happy Mother’s Day to all the amazing moms and caregivers! Wishing you good health, happiness, and special moments with loved ones today and always 🌸

Wishing you and your loved ones a very Merry Christmas and a happy, healthy New Year! 🎄✨Thank you for trusting me with y...
12/24/2025

Wishing you and your loved ones a very Merry Christmas and a happy, healthy New Year! 🎄✨

Thank you for trusting me with your health insurance needs this year. I’m truly grateful for each of you and look forward to continuing to support your health and peace of mind in the year ahead. 💙🩺

May your holidays be filled with joy, warmth, and good health! 🎁❄️

Wesołych Świąt Bożego Narodzenia oraz zdrowego i szczęśliwego Nowego Roku! 🎄✨

Dziękuję za zaufanie i za to, że w tym roku mogłam wspierać Państwa w zakresie ubezpieczenia zdrowotnego. Jestem bardzo wdzięczna za każdego z Was i z radością będę służyć pomocą także w nadchodzącym roku. 💙🩺

Niech te Święta będą pełne radości, ciepła, spokoju i przede wszystkim zdrowia! 🎁❄️

💰 Did you know?The Expanded Premium Tax Credits under the Inflation Reduction Act are set to expire at the end of 2025! ...
10/10/2025

💰 Did you know?

The Expanded Premium Tax Credits under the Inflation Reduction Act are set to expire at the end of 2025! ⏰

🩺 What does this mean for people who get insurance through the Marketplace (Obamacare)?

👉 Many families currently receive extra savings on their monthly premiums thanks to these expanded tax credits.

👉 When they expire, monthly costs could go up — for some people, by hundreds of dollars per month.

👉 Those with income above 400% of the Federal Poverty Level might lose eligibility for any subsidy at all.

💡 The good news?

The original ACA tax credits will still remain, but they’ll be smaller than what people have now.

📆 The change will affect Marketplace plans for 2026, unless Congress acts to extend these enhanced benefits.

💬 Have questions about how this could impact your coverage or monthly premium?

📞 Contact your licensed insurance agent today, Joanna Walek today at 312 478 4475.
They can help you understand your options and plan ahead before these changes take effect. 🌿


🍂 Październik to Okres Corocznych Zapisów na Medicare (AEP)! 🍂Masz pytania dotyczące Medicare i Okresu Rocznych Zapisów ...
10/08/2025

🍂 Październik to Okres Corocznych Zapisów na Medicare (AEP)! 🍂

Masz pytania dotyczące Medicare i Okresu Rocznych Zapisów (AEP)? Nie jesteś sam — nasz zespół jest tutaj, aby Ci pomóc! 🩺💬

👉 Od 15 października do 7 grudnia możesz:
✔️ Przejrzeć swój obecny plan
✔️ Zmienić plan na Medicare Advantage
✔️ Dodać lub zmienić ubezpieczenie na leki (część D)

✨ Decyzje, które podejmiesz w tym czasie, będą miały wpływ na Twoje ubezpieczenie zdrowotne w nadchodzącym roku — chcemy, abyś czuł(a) się pewnie i dobrze poinformowany(a) na każdym etapie.

📲 Nie czekaj do ostatniej chwili — zadzwoń do swojego zaufanego agenta Medicare, Joanny Walek, już dziś! 🍂

📅 Annual Enrollment Period is here!Do you have questions about Medicare and the Annual Enrollment Period (AEP)? You’re n...
10/07/2025

📅 Annual Enrollment Period is here!

Do you have questions about Medicare and the Annual Enrollment Period (AEP)? You’re not alone our team is here to help. 🩺📅
👉 During AEP (October 15 – December 7), you can:
✔️ Review your current plan
✔️ Switch to a Medicare Advantage plan
✔️ Add or change prescription drug coverage (Part D)
✨ The decisions you make during this time will impact your health coverage for the year ahead — and we want to make sure you feel confident and supported every step of the way.

📲 Don’t wait until the last minute. Call your trusted Medicare agent, Joanna Walek today!

🚨 Attention Medicare Clients! 🚨It’s that time of year again—your Annual Notice of Changes (ANOC) is on its way to your m...
09/18/2025

🚨 Attention Medicare Clients! 🚨

It’s that time of year again—your Annual Notice of Changes (ANOC) is on its way to your mailbox! 📬 This document is a key part of Medicare, as it outlines critical updates to your plan for the upcoming year. But what exactly does it mean, and what should you do with it? 🤔 Let’s break it down so you can make sure you’re prepared for any changes to your coverage ✅

📄 What Is the ANOC?

The Annual Notice of Changes (ANOC) is a summary document sent by your Medicare insurance company each year, typically arriving by the end of September 🍂. It highlights the changes to your Medicare Advantage or Medicare Part D plan for the upcoming year, including:

🧾 Premium changes
💰 Will your monthly premium increase or decrease?

💳 Adjustments to deductibles, copayments, and coinsurance
🏥 Find out how your out-of-pocket costs may change for doctor visits, hospital stays, or prescription drugs.

💊 Updates to covered medications
🔍 Check to see if your prescriptions will still be covered, or if there are any changes to drug tiers that could affect your costs.

🩺 Network provider changes
🏨 See if any of your preferred doctors, hospitals, or pharmacies will no longer be in the plan’s network.

🎁 New or modified plan benefits
👓 Discover if your plan is adding or removing any perks, like dental, vision, or wellness programs.

Don’t ignore your ANOC! 🚫 Reviewing it carefully ensures you stay informed and can make changes during Annual Enrollment if needed 🗓️ Call your trusted agent, Joanna Walek at 312 478 4475!

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