Allison & Associates Insurance-Medicare Advisor : Scott Allison

10/18/2026

Thank You!!

When someone shares your business with a friend, they are putting their own trust behind your name. Never take that kind of support for granted. Keep going.

10/15/2026

Want to know about Devoted? View the calendar on my website and schedule an appointment today! www.allisonassociatesins.com

AEP is here! From now through December 7th, you have the green light to review your current plan, make changes, or switch things up for next year.

But with so many choices, it’s easy to get overwhelmed. Here is a simple game plan to make sure you're getting the right coverage:

- Review your Annual Notice of Change (ANOC): We know you get lots of mail during this time, but make sure you dig up this piece in particular. This document tells you what’s changing with your current plan for next year.

- Look at overall value, not just $0 premiums: Deductibles, maximum out-of-pocket limits, and drug tiers costs matter just as much!

- Ask for help: It's not easy to navigate, but we're here to help you if you need it!

10/08/2026

It begins next week! The Medicare Annual Enrollment Period begins October 15th and runs through December 7th. My calendar is filling up fast so visit www.allisonassociatesins.com to reserve your appointment today!

09/01/2026

Friendly reminder the Medicare Annual Enrollment Period begins October 15th and runs through December 7th!

08/21/2026

Had a great time at the Whitley County Chamber golf outing!

08/10/2026

Have you ever looked at your Medigap premium and thought, “Wait… didn’t this just go up?” I have gotten several calls this year from clients about this, and I completely understand the frustration. One thing that surprises many people is that Medigap premiums can sometimes increase more than once in a year. It doesn’t necessarily mean there’s a mistake.

Premiums can change for a variety of reasons, including rising healthcare costs, changes in an insurance company’s pricing, age-related pricing (depending on the type of plan), or state-specific requirements.
If your Medigap premium recently went up, I’d encourage you to find out why it increased and whether your current plan is still the best fit for you.

Medicare can be confusing, especially when your costs change unexpectedly. If you have questions about your Medigap premium or want to review your coverage, the Annual Enrollment Period begins October 15th. That's the time to look at what's available for 2027 to see if you want to keep what you have or make a change.

08/04/2026

Your HSA Isn't Just for Today—It's a Retirement Healthcare Fund in Disguise.

As life expectancy continues to increase, many of us will spend decades in retirement. While Medicare helps cover healthcare costs after age 65, it doesn't cover everything. That's why building your Health Savings Account (HSA) before age 65 can make a significant difference.

HSA funds can help pay for:
-Medicare co-pays
-Co-insurance expenses
-Prescription drug costs
-Other qualified medical expenses

The money you save today can provide tax-advantaged resources for the healthcare expenses you're likely to face tomorrow. By contributing consistently during your working years, you'll be better prepared to manage out-of-pocket medical costs without disrupting your retirement income.
The earlier you start building your HSA, the more time your savings have the potential to grow. Your future self will thank you. Invest in your health today so you're prepared for tomorrow.

07/29/2026

"If I already have Original Medicare, why would I need anything else?"

Original Medicare is a great foundation, but it doesn't cover everything. Here are three common questions I hear:
• Does Original Medicare cover all of my medical expenses?
Not quite. In most cases, you're still responsible for deductibles, coinsurance, and about 20% of approved medical costs, with no annual out-of-pocket maximum.

• Why would someone choose a Medicare Supplement plan?
Many people like the predictability it offers. A Medicare Supplement plan can help cover many of the costs Original Medicare leaves behind, and it allows you to see any doctor or hospital that accepts Medicare.
• Why would someone choose a Medicare Advantage plan instead?
Others prefer having their coverage bundled into one plan. Depending on where you live, Medicare Advantage plans may include prescription drug coverage and additional benefits like dental, vision, or hearing.

The best plan really depends on your individual needs, your budget, and how you like to receive your healthcare. That's why I always encourage people to learn about their options before making a decision.
If you're turning 65, new to Medicare, or just have questions about your current coverage, I'd be happy to help you understand your choices. My goal is to make Medicare a little less confusing and help you find coverage that fits your situation.

07/20/2026

Here are 3 common FAQ's concerning Marketplace/ACA health plans:
1. What is a Marketplace plan?
A Marketplace plan is health insurance available through the Health Insurance Marketplace. Depending on your income, you may even qualify for financial assistance to help lower your monthly premium.
2. Can I qualify for savings?
Possibly. Many individuals and families are surprised to find out they qualify for premium tax credits or other savings that make coverage more affordable.
3. When can I enroll?
You can enroll during the Annual Open Enrollment Period or if you've had a qualifying life event, like losing your health insurance, getting married, or having a baby.
If you've been putting off looking at your health insurance options because it seems confusing, I'm happy to help. Feel free to reach out with your questions, and we'll find the coverage that works best for you.

07/16/2026

Over the past few years, I've had several clients become victims of sophisticated Medicare phone scams. These aren't the obvious scam calls we're used to anymore.
Today's scammers are using artificial intelligence (AI) to change the way they sound on the phone. Someone calling from anywhere in the world can use AI to make their voice sound more natural, mask their accent, and even sound like they're calling from right here in the United States. A friendly, professional voice is no longer proof that a caller is legitimate.
Their goal is often to trick you into giving them your Medicare number and other personal information. Stolen Medicare information can be used to commit Medicare fraud, steal your identity, or be sold to other criminals who use it for additional scams.

Protect yourself:
• Never give your Medicare number, Social Security number, banking information, or passwords to an unsolicited caller.
• If a call doesn't feel right, hang up.
• If someone claims to be from Medicare or your health plan, call the official phone number on your Medicare card or insurance card to verify the request.
I've seen firsthand the stress and frustration these scams cause. Please share this post with your family and friends—especially anyone on Medicare. A few moments of caution can prevent months of headaches.