Joanna Walek - Health Insurance Broker

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

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!

🐣🌿 Radosnych i błogosławionych Świąt Wielkanocnych! 🌿🐣Niech Zmartwychwstały Chrystus ✝️ napełni Wasze serca nadzieją, mi...
04/20/2025

🐣🌿 Radosnych i błogosławionych Świąt Wielkanocnych! 🌿🐣
Niech Zmartwychwstały Chrystus ✝️ napełni Wasze serca nadzieją, miłością i pokojem 🕊️💖
Życzę Wam rodzinnego ciepła, wiary, zdrowia i wielu radosnych chwil! 🌸🥰

Alleluja! Wesołego Alleluja! 🐇🌷🥚✨

Wishing you and your loved ones a blessed and joyful Easter! 🕊️May the miracle of Christ’s Resurrection fill your hearts...
04/19/2025

Wishing you and your loved ones a blessed and joyful Easter! 🕊️

May the miracle of Christ’s Resurrection fill your hearts with hope, peace, and endless grace. 🙏✨
Let us rejoice in His eternal love and mercy! 🌅💒

Happy Easter! 🐣🌷🕊️

🏠💸 We Sold Our Home… Now We Have to Pay MORE for Medicare?! 😩🤯Ever heard of IRMAA? 👵👴 It stands for Income-Related Month...
04/09/2025

🏠💸 We Sold Our Home… Now We Have to Pay MORE for Medicare?! 😩🤯

Ever heard of IRMAA? 👵👴 It stands for Income-Related Monthly Adjustment Amount — which basically means if your income goes up (like from selling a house 💰), you might have to pay extra for Medicare Part B and D! 😱

We thought we were being smart with our finances… turns out Medicare had other plans! 📈🚫

Need help figuring it all out? Let’s talk! 📞Call your licensed insurance broker today for more information. 📞 Call today at 312 478 4475.

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