Beuttel Insurance Services

10/16/2026

A 3.6% cost-of-living adjustment (COLA) will take effect in January 2027, increasing Social Security retirement benefits by approximately $75 per month on average.

Your individual increase will depend on your benefit amount. Watch for your Social Security COLA notice for your personalized details.

Need assistance with your Medicare benefits? Contact Beuttel Insurance Services today to get on our calendar, we'd be happy to review your coverage options.

10/16/2026

🌟Coverage with Confidence Starts Here💪

If you’re new around here — welcome! And if you’ve been with us for years, thank you for continuing to trust us with your Medicare needs.

At Beuttel Insurance Services, our goal has always been to make Medicare feel a little less overwhelming and a lot more personal.

Whether you’re turning 65 and just getting started, comparing Medicare Advantage or Supplement options, reviewing your current coverage, or simply have a question along the way — we’re here to help.

What can you expect from us?

✓ Personalized, one-on-one guidance
✓ Help understanding and comparing your options
✓ Complimentary Medicare assistance
✓ Local service from someone you know and trust
✓ Support that continues year-round, not just during enrollment season..Because choosing your coverage is only the beginning of the relationship.

Wherever you are in your Medicare journey, it helps to have someone in your corner. We’d love the opportunity to be that resource for you.

Have questions? Let’s chat! 📞 530-303-3366

10/16/2026

Happy Fall Friday!🍂🍁

It’s apple season here in the Sierra Foothills, and what better way to celebrate than with a warm, cinnamon-filled apple treat?

These Cinnamon Apple Crescent Roll-Ups are a simple recipe to enjoy this weekend! 🍎🥐🍂

You’ll need:

• 2 fresh apples, peeled and diced
• 2 tablespoons butter, plus a little extra for brushing
• 2 tablespoons brown sugar
• 1 teaspoon cinnamon
• A splash of vanilla
• 1 package refrigerated crescent rolls
• Cinnamon sugar for sprinkling

Here’s how:

Combine the apples, butter, brown sugar, cinnamon, and vanilla in a small pot. Cook over medium heat for 5–7 minutes, stirring occasionally, until the apples begin to soften and the mixture becomes syrupy.

Unroll the crescent dough. Spoon a small amount of the warm apple mixture onto the wide end of each triangle, roll up, and place on a baking sheet.

Brush with melted butter, sprinkle with cinnamon sugar, and bake at 375°F for 12–15 minutes, or until golden brown.

Bake at 375°F for 12–15 minutes, or until golden brown.

Serve warm and enjoy!

Hey folks, enjoy the weekend and this beautiful weather!

10/13/2026

Tuesday Tip | Turning 65

🎉Turning 65 comes with an important Medicare enrollment window — and knowing your timeline can help you avoid unnecessary penalties or gaps in coverage.

Your Initial Enrollment Period is generally a 7-month window, but if you’re still working at 65 and have employer coverage, your Medicare timeline may look different.

Don’t wait until your 65th birthday to start planning.

Want to learn more? Check out our blog, “Medicare Late Enrollment Penalties: What You Need to Know” for helpful information on Turning 65, enrollment timing and avoiding costly mistakes. 🖇️https://www.beuttelinsure.com/medicare-late-enrollment-penalties-what-you-need-to-know

We look forward to helping you navigate this next season with clarity and confidence.

10/07/2026

Medicare Q&A

Should I check my doctors before choosing my 2027 Medicare coverage?

Yes! If your coverage uses a provider network, checking your doctors, specialists, hospitals, and other healthcare providers is an important part of reviewing your coverage.

Provider networks can change, so don't assume that because your doctor is participating today, they'll automatically be participating with the same plan next year.

Beuttel Tip: 💡 Have your provider list ready when reviewing your Medicare options this AEP.

10/06/2026

💡Tuesday Tip | Turning 65

💥Folks, this is IMPORTANT TO KNOW:

Still working past 65 and contributing to an HSA?
There’s an important Medicare detail to plan for:
👉 Once you’re enrolled in Medicare, you can no longer contribute to an HSA — even if you’re still working and covered by an HSA-eligible health plan.

⏰But here’s where timing can get tricky: if you delay Medicare and enroll later, Medicare Part A can be retroactive up to six months. HSA contributions made during those retroactive months could be considered excess contributions and may result in tax consequences.
😲This can also catch people by surprise when Medicare enrollment is connected to receiving Social Security benefits.

Know your Medicare timeline before you enroll.

Check out our latest blog,👉 Turning 65? 10 Medicare & Retirement Planning Questions You Should Be Asking on our resource hub here: https://www.beuttelinsure.com/blog.

We can help with the Medicare side — and your tax professional can guide you on your HSA. Contact us at 📞530-303-3366.

10/05/2026

As Your Broker…

Retirement planning includes more than deciding when to stop working — your Medicare coverage is an important part of the picture, too.

Whether you’re turning 65 and still working or preparing to fully retire, there are important Medicare timelines and coverage decisions to understand.

I can help you navigate the complexities of Medicare, understand the options available to you, and feel confident about the coverage decisions you’re making for this next chapter.

Turning 65 soon? Let’s start the conversation.

10/02/2026

Turning 65 in 2027? Your Medicare planning starts before your birthday!

Whether you’re preparing for retirement or continuing to work, knowing when to enroll—and how Medicare affects your employer coverage, HSA and healthcare budget—can help you feel more prepared.

Our latest blog walks through 💥10 important questions💥 to ask before turning 65, so you can approach your next chapter with clarity and confidence.

Check it out on our Living Well Hub 👉

Turning 65? Learn about Medicare enrollment, retirement planning, employer coverage and HSA rules with Beuttel Insurance Services in the Sierra Foothills.

10/02/2026

Five Star Friday ⭐⭐⭐⭐⭐

Turning 65 and entering Medicare can feel like a lot to navigate — but you don’t have to figure it all out on your own.

Thank you, Matt, for trusting Elizabeth to walk you through the process, explain your options, and help you make informed decisions about your coverage.

We’re so grateful for your kind words and recommendation!

09/30/2026

Medicare Q&A: Should I review my prescriptions before AEP?

Yes! Prescription drug coverage, formularies and costs can change from year to year. Having an updated list of your medications is an important part of reviewing your 2027 coverage.

💥PLEASE NOTE: If you’re enrolled in a stand-alone Part D plan, you could see changes to your premium in 2027 as the temporary Part D Premium Stabilization Demonstration ends after 2026.

Stay connected with us for timely Medicare updates and helpful information throughout AEP!