2020 Employee Benefits

2020 Employee Benefits We’re your local Medicare agents and group health insurance specialists We are your local Medicare agent for Health Insurance Plans and Programs.

We specialize in Group Insurance and Dental and Vision coverage

Many people are surprised to learn that Original Medicare does not cover most routine dental care, vision exams, or hear...
06/23/2026

Many people are surprised to learn that Original Medicare does not cover most routine dental care, vision exams, or hearing aids.

Understanding what Medicare does and doesn’t cover is an important part of choosing the right plan for your needs.

Have questions about your coverage options? We’re here to help.

Planning a trip to the mountains this summer?While temperatures may feel cooler, higher elevations can increase your ris...
06/19/2026

Planning a trip to the mountains this summer?

While temperatures may feel cooler, higher elevations can increase your risk of dehydration. The combination of dry air, increased breathing rate, physical activity, and sun exposure can cause you to lose fluids more quickly than you realize.

Whether you’re hiking, camping, or simply enjoying a day in the mountains, remember to drink water regularly and stay ahead of dehydration.

Stay safe and enjoy all that summer has to offer!

Planning a summer trip?Whether you’re visiting family, heading to the coast, or taking a road trip, it’s important to kn...
06/16/2026

Planning a summer trip?

Whether you’re visiting family, heading to the coast, or taking a road trip, it’s important to know how your Medicare coverage works while you’re away from home.

Original Medicare (Parts A & B) is accepted nationwide, and Medicare Supplement plans travel with you anywhere in the United States.

If you have a Medicare Advantage plan, your network may be limited to certain areas, but emergency and urgent care services are generally covered when you’re away from home.

Because every plan is different, it’s always a good idea to review your specific coverage before you travel.

☀️ Summer Health Tip ☀️With warmer temperatures here, it’s important to stay cool and stay hydrated.Drink water througho...
06/12/2026

☀️ Summer Health Tip ☀️

With warmer temperatures here, it’s important to stay cool and stay hydrated.

Drink water throughout the day and avoid spending too much time in the heat, especially during the hottest part of the afternoon.

Dehydration can happen quickly in hot weather, so taking a few simple precautions can help you stay healthy and safe all summer long.

06/09/2026

Did you know that GoodRx is a free service that can help you save on prescriptions?

Why would I need a drug plan if I don't take any medications?The answer is that Medicare Part D isn't just about the pre...
06/05/2026

Why would I need a drug plan if I don't take any medications?

The answer is that Medicare Part D isn't just about the prescriptions you take today. It's also about protecting yourself from penalties later.

If you don't enroll in a Part D plan when you're first eligible and don't have other creditable prescription coverage, you could face a Late Enrollment Penalty if you decide to enroll in the future.

The good news? There are often affordable plan options available, even for people who don't currently take medications.

Every situation is different, so if you're unsure about your options, we're happy to help you understand what makes sense for your needs.

05/19/2026

Part 3 of our HSA series

One of the biggest advantages of an HSA plan is the potential tax savings. Contributions made into your HSA account may be tax deductible, which can help lower your taxable income while setting money aside for future medical expenses.

In this video, we briefly touch on how the tax benefits of HSAs work.

05/15/2026

Part 2 of our HSA series 👇

One of the biggest differences with an HSA plan is how you pay for care. Instead of a traditional copay, you receive the insurance company’s negotiated rate and can use your HSA debit card to pay for eligible expenses.

This video breaks down how that process works and why many people like the flexibility of HSA plans.

05/12/2026

HSA plans can sound confusing at first, but they’re actually one of the most flexible health insurance options available.

In Part 1 of this series, we’re breaking down:
• What an HSA plan is
• How it works
• Why some people choose a high deductible plan

Stay tuned for the next parts where we’ll cover tax advantages, how the debit card works, and what HSA funds can be used for.

04/24/2026

What are the different types of life insurance?
(Final Part)

Universal life is the middle ground.
More flexible than whole life, often more affordable, but not as guaranteed.

Quick recap:
Term = lowest cost
Whole life = most guaranteed
Universal = a mix of both

Life insurance is more affordable than you think, and having coverage matters.

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Exeter, CA
93221

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