Faircare Insurance Services

Faircare Insurance Services Dedicated to helping individuals, families and seniors securing peace of mind with protection.

You already got one of these. You just didn't recognize it.A letter is coming from your Medicare plan, and it won't look...
09/04/2026

You already got one of these. You just didn't recognize it.

A letter is coming from your Medicare plan, and it won't look important. It's the Annual Notice of Change, and plans have to have it to you by September 30 (NCOA).

Inside is every number that decides what your coverage costs next year. Premium. Out-of-pocket maximum. Drug list. Network.

Naomi has spent 25 years watching people discover in December what was printed in the letter in September.

So here's the whole assignment for this month: open it. Set it somewhere you'll see it. Circle what changed.

That's it. October is for deciding. September is only for opening the mail.

If someone you love is on Medicare and lives alone, send this — they'll be the only one who sees that envelope.

Have you ever actually read yours? No judgment here.

When your Annual Notice of Change arrives this month, here's a ten-minute routine that will make October painless. Every...
09/03/2026

When your Annual Notice of Change arrives this month, here's a ten-minute routine that will make October painless. Every Medicare plan has to have this letter to you by September 30 (source: NCOA).

1. Open it the day it comes. Ten minutes, at the kitchen table, with a pen.

2. Find the monthly premium and compare it to what you pay right now.

3. Find the out-of-pocket maximum. That number is your worst possible year, so it's worth knowing even if you never reach it.

4. Go through your prescriptions one at a time against the plan's drug list. Every one, including the ones you only take occasionally.

5. Check your doctors and your pharmacy against the network. Specialists too.

6. Circle anything that changed. That's it. You're done.

What you're left with is a short list of questions instead of a forty-page document, and questions are easy to get answered.

Ten minutes in September saves a scramble in December. If you would rather go through it with somebody, our number is (954) 250-5776 — we'll answer questions on the phone whether or not you ever become a client.

Do you still have last year's letter, or did it go out with the recycling? No judgment either way.

September is Life Insurance Awareness Month — and that number up top is why it exists.It's usually not that people don't...
09/02/2026

September is Life Insurance Awareness Month — and that number up top is why it exists.

It's usually not that people don't care. It's that they think it costs more than it does. 4 in 10 Americans overestimate the price of a basic 20-year term policy, and almost half of those guesses were, in LIMRA's own words, a gut feeling.

So here's the honest version:

☑️ Term life is the most affordable kind — it covers you for a set number of years, and it's what most families actually need
☑️ The younger and healthier you are, the less you pay — and that rate locks in
☑️ "How much do I need?" usually starts with what you'd want covered: the mortgage, the kids' school, a few years of income
☑️ You don't need to have it figured out before you ask

That's what this month is for. Not pressure — just clarity.

If you've been meaning to look into it, or you have a policy from years ago you've never revisited, this is your reminder.

💬 DM us "REVIEW" and we'll walk you through it in plain English. No obligation.

A quiet countdown, and then we'll let August go.Medicare Open Enrollment runs October 15 through December 7. That's 54 d...
08/31/2026

A quiet countdown, and then we'll let August go.

Medicare Open Enrollment runs October 15 through December 7. That's 54 days to make a decision that shapes an entire year of coverage and cost.

Here's how the next two months actually go. September is for reading the mail — your Annual Notice of Change arrives by the end of the month and tells you what your plan is doing differently in 2027. October is for deciding. August, which ends today, was for understanding, and if you've been following along, you've already done the hardest part.

So this is the post with the ask on it.

A review with us is about twenty minutes. We look at your prescriptions, your doctors, your pharmacy and your real out-of-pocket costs, and we tell you whether the plan you have still fits. Sometimes it does, and we say so. There's no cost and no obligation either way.

The reason to do it now rather than in October is simple: right now there's no deadline in the room. Calendars are open, nobody is rushed, and you'll have your answer before the mail even arrives.

Call (954) 250-5776, or use the link below to pick a time.

And one more thing. If you came to us through Naomi Catterton's page, she's closing her month today too — she handles the family paperwork half of all this, and we handle the Medicare half. Either door leads to the same conversation.

What's the one thing you'd like answered before October? Tell us in the comments. We're building September's posts around your questions.

The question we're asked more than any other: what actually happens on a review?Here's the honest, complete answer.It's ...
08/28/2026

The question we're asked more than any other: what actually happens on a review?

Here's the honest, complete answer.

It's a conversation, usually about twenty minutes, by phone or in person. You don't need to prepare anything, although a list of your current prescriptions makes it faster.

We ask three things. What you're taking. Who you're seeing. What you're paying now. Then we look at what your current plan does with all of that — your drugs against its covered list, your doctors and pharmacy against its network, your real costs against your budget.

Then we tell you what we find. That includes the times when the plan you already have is still the best fit for you. That happens regularly, and it's a perfectly good outcome. You'd leave the conversation knowing your coverage is right rather than assuming it.

There's no cost for this and no obligation of any kind. We're an independent Florida-licensed agency with 40 years of combined experience and more than 3,800 clients served.

Medicare Open Enrollment runs October 15 through December 7. Booking now, while calendars are open and nothing is urgent, is what turns October into a confirmation instead of a scramble.

To set one up, call (954) 250-5776 or use the link below. If you're arranging this for a parent, ask to be on the call with them — we'd rather have you both there.

How to help a parent review their coverage without taking over.The hardest part of this is almost never the insurance. I...
08/27/2026

How to help a parent review their coverage without taking over.

The hardest part of this is almost never the insurance. It's the dynamic. Nobody wants to be managed, least of all by their own child, and the distance between ""I'll help you look at this"" and ""I've decided this for you"" is shorter than it sounds. So a lot of families skip the conversation entirely and hope it works out.

Here's a way through it that keeps you useful and keeps them in charge.

1. Start with a question, not a recommendation. ""How has your plan been working for you?"" is a better opening than anything you could suggest.

2. Ask for the Annual Notice of Change. It's the letter that arrives by late September listing everything the plan is doing differently next year. It looks like junk mail. It is not.

3. Write one list: every prescription, every doctor, every pharmacy. One page. This is the single most useful thing you can do, and it takes twenty minutes.

4. Check the list against the plan — not the plan against a memory. Memory is where most of the errors come from, on both sides.

5. Offer to sit in on the review. To be in the room, not to run it. If you're on a call together, let them answer the questions.

6. Let them decide. Your job is clarity, not control.

Most people don't want their choices made for them. They want company while they make them.

Print this, or send it to your brother or sister. One of you will end up doing this, and it goes better as a plan than as a surprise.

One related note. If you'd rather start with your own household paperwork instead of theirs, Naomi Catterton shared a Family Legacy Checklist on her page this Monday — hers covers your documents, this one covers your parents' coverage. Between the two, both generations are accounted for.

Who will you be doing this with this year?

Today is Women's Equality Day, which marks the certification of the 19th Amendment in 1920.The vote came first. Financia...
08/26/2026

Today is Women's Equality Day, which marks the certification of the 19th Amendment in 1920.

The vote came first. Financial independence came a good deal later — a woman couldn't reliably get a credit card in her own name until the mid-1970s — and for a lot of women it's still arriving.

In our experience it rarely arrives as a big moment. It shows up in small ones. Reading a policy and actually understanding it. Asking the follow-up question instead of nodding. Making a decision about money without needing someone else to sign off on it first.

That's most of what our days look like.

For anyone who hasn't worked with us: Faircare Insurance & Advisors was founded by a woman and is largely run by women. Between us we have 40 years of combined experience, we've served more than 3,800 clients, and our advisors are licensed in Florida across life, health, Medicare and annuities.

We put those numbers here rather than in a brochure because we think you should be able to see who you're dealing with before you ever speak to us.

Here's to knowing your own numbers — and to the women who made sure you could.

"Caring, responsive and thorough." — Paola P., FloridaThree words we would be very glad to be remembered by, and we want...
08/25/2026

"Caring, responsive and thorough." — Paola P., Florida

Three words we would be very glad to be remembered by, and we want to explain why the third one is the hardest.

Insurance is a category most people enter reluctantly and leave as quickly as they can. Understandably. So the attention usually lands on the two ends of the process: the first question, and the signature at the end.

The middle is where the actual work lives. Answering the follow-up question three days later. Calling the pharmacy to check something. Noticing in March that a prescription changed and asking whether the plan still fits. None of that is visible, and none of it is the part anyone advertises.

That's the part Paola is describing, and it's the part we'd rather be judged on.

For anyone who hasn't met us: Faircare is a Florida-licensed independent agency with 40 years of combined experience and more than 3,800 clients served, across life, health, Medicare and annuities. We were founded by a woman and we're largely run by women.

Thank you, Paola. And thank you to everyone who has let us stay in the middle part with them.

Thirty-two.That's how many Medicare Advantage prescription drug plans are available to the average beneficiary for 2026,...
08/24/2026

Thirty-two.

That's how many Medicare Advantage prescription drug plans are available to the average beneficiary for 2026, according to KFF's analysis of 2026 plan offerings.

We share that number without any alarm attached to it. More options aren't a bad thing. But thirty-two isn't a number anyone can hold in their head, and there's no built-in way to sort them. So the most common outcome isn't a careful choice between thirty-two plans — it's keeping what you already have because comparing thirty-two of anything feels impossible.

Here's the part worth knowing: you're never actually choosing between thirty-two. You're choosing between the handful that cover your prescriptions, include your doctors and your pharmacy, and fit what you can pay. Once you apply those three filters, most of the list disappears in about ten minutes.

That's all a review is. Not a sales pitch — a sorting process, done with someone who has done it a few thousand times.

Honest question: how many plans did you look at last year?

Today is National Senior Citizens Day.We want to say something plainly, because it gets said the wrong way a lot.Medicar...
08/21/2026

Today is National Senior Citizens Day.

We want to say something plainly, because it gets said the wrong way a lot.

Medicare isn't complicated because the people using it aren't capable. It's complicated because it's complicated. It's a system of parts and windows and letters and lists, and it changes every single year. Most people meet it for the first time in their mid-sixties, with no training, no guide, and a deadline attached.

Naomi has spent 25 years sitting across from people in their sixties, seventies and eighties, and she'll tell you the same thing: nobody in those chairs is behind. They were simply handed something difficult and left to sort it out alone.

That isn't a knowledge problem. It's a support problem. And support is a much easier thing to fix.

So today there's nothing to book and nothing to buy. Just a request, if you have a parent or a grandparent who will be making these decisions this fall: offer to sit with them. Not to take it over. Not to decide for them. Just to be in the room, so the paperwork isn't a solo assignment.

That's the whole thing.

To every client who has let us be in the room with them over the years — thank you. Today is yours.

Address

4301 S Flamingo Road Suite 106 #813
Davie, FL
33330

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Tuesday 8am - 8pm
Wednesday 8am - 8pm
Thursday 8am - 8pm
Friday 8am - 8pm
Saturday 8am - 5pm

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