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Buursma Agency Experts in Group Benefits, Medicare, and Individual Life, Health, Dental and Vision since 1964!

If you were hospitalized tomorrow, would someone you trust know where to find your insurance information?It's not a fun ...
10/26/2026

If you were hospitalized tomorrow, would someone you trust know where to find your insurance information?

It's not a fun question, but it's an important one. In a medical emergency, the people closest to you may need to talk with doctors, find your policy information, pick up your kids, and take care of your pets, all while you can't answer their questions.

A little planning now can make a big difference later. Gather your insurance cards, policy numbers, medication list, and your agent's contact info in one place. Choose a trusted person and tell them where it is. And don't forget backup plans for childcare and pet care.

Not sure what coverage you have or where the gaps are? Give us a call. We'll help you put together a clear summary of your policies.

Who's your go-to emergency person? Tag someone you'd trust to have your back.

👨‍👩‍👧 More employees today are balancing work while caring for children, aging parents, or other family members. A new s...
10/20/2026

👨‍👩‍👧 More employees today are balancing work while caring for children, aging parents, or other family members. A new survey shows caregiver leave is one of the fastest-growing workplace benefits as employers look for ways to support their workforce and improve retention.

Providing benefits support for caregivers can reduce stress, improve morale, and help retain talent in a competitive labor market.

Over the past two years, we've seen a significant shift in Medicare Advantage. Some plans are cutting benefits, exiting ...
10/19/2026

Over the past two years, we've seen a significant shift in Medicare Advantage. Some plans are cutting benefits, exiting counties, and rethinking how they operate. The reason mostly boils down to profitability pressures that are unlikely to disappear.

During enrollment season this year, watch for notifications from your current plan that reflect these patterns. County exits would be announced in a plan termination notice, and any benefit cuts or network changes are reflected in your Annual Notice of Change (ANOC) that you should have received in September. Understanding these patterns may help you look for changes and make smart choices.

We can help you sort through what's changing in your area and find a plan that's stable and fits your needs.

Year-end HR compliance doesn't have to be overwhelming if you stay organized. Here's what's on your checklist right now:...
10/13/2026

Year-end HR compliance doesn't have to be overwhelming if you stay organized. Here's what's on your checklist right now:

October:
🔹 Creditable coverage notices (by Oct 15)
🔹 COBRA audit
🔹 Rate updates for 2027

November–December:
🔹 Open enrollment comms
🔹 Section 125 testing
🔹 Handbook updates
🔹 Plan closeout

Before year-end:
🔹 Verify Form 5500 status
🔹 Start gathering ACA data for 2027 filings

Missing even one deadline creates serious liability. Start your checklist now. Reach out to us for guidance.

A week-long hospital stay can cost you thousands of dollars out of pocket, even with Original Medicare or a Medicare Adv...
10/12/2026

A week-long hospital stay can cost you thousands of dollars out of pocket, even with Original Medicare or a Medicare Advantage plan. Daily copayments, deductibles, and cost-sharing add up fast when you’re hospitalized.

Hospital indemnity insurance is a great solution. A plan pays you cash benefits directly for a hospital stay, so you're not forced to drain your savings. Benefits go straight to you and can be used for any expense: copays or deductibles, lost income, household bills, or recovery costs.

Wondering if it's right for you? Let's talk about your coverage needs and find the right plan.

Before you order branded tumblers for your team this holiday season, consider a few numbers.A 2025 Custom Ink survey fou...
10/06/2026

Before you order branded tumblers for your team this holiday season, consider a few numbers.

A 2025 Custom Ink survey found 82% of employees would value a holiday gift more if it were personalized, and 52% would rather choose from several options than all receive the same thing. A separate survey of 1,500 employed adults found 75% wanted to pick their own gift.

The categories that rank lowest, year after year: stationery, desk accessories, office products, and plants.

What tends to land:

Choice - A prepaid card or a short menu of options beats guessing

Time - An extra paid day off in late December costs less than you think

Something for the household, not the desk

A note naming a specific thing they did this year that you appreciated

One detail catches employers every January. Cash and most gift cards are generally treated as taxable compensation rather than tax-free gifts. Ask your accountant before you buy. And the most overlooked gift is free. Most employees have no idea what is already in their benefits package. A plain-language summary in December beats anything in the swag closet.

Want us to review what your plan already includes? Give us a call.

What is the best gift you ever got from an employer? We are taking notes.

If you’re a “snowbird,” meaning you split your time between two homes in different states, your Medicare coverage might ...
10/05/2026

If you’re a “snowbird,” meaning you split your time between two homes in different states, your Medicare coverage might not automatically travel with you the way you'd expect. ❄️☀️

Here's the quick version:

🏥 Original Medicare (Parts A & B) covers you anywhere in the U.S., no networks, no referrals.

🩺 Medicare Advantage plans can work for snowbirds, just look for one designed for it. A PPO plan with a wide service area, or one that specifically covers both of your locations, gives you the flexibility to get routine care wherever you are.

💊 Part D drug plans have pharmacy networks too. Make sure your medications are covered wherever you are, and consider a plan with nationwide pharmacy access.

📝 Medigap policies tend to offer the most freedom for travelers, since most let you see any Medicare-participating provider in the country.

🚨 Emergencies and urgently-needed care are always covered, no matter where you are in the U.S.

A few tips before you head to your second home this season:

- Request extra medication refills if your plan allows it
- Confirm your pharmacy at your second home is in-network
- Ask your doctor if they offer telehealth visits while you're away
- Save urgent care contacts near both of your homes

Medicare Annual Enrollment runs October 15 through December 7, and this is the time to review your plan and make sure it still fits your two-state lifestyle. Call us and we can help you compare options in both locations.

10/04/2026

Our Fraud & Scam Awareness Seminar continues on Wednesday, October 7th, and we're excited for our next event! If you missed our first two sessions, this is your chance to catch up and get the information you need to protect yourself and your loved ones from the scams targeting our community daily.

For those who can't make the afternoon session, this one is in the evening at 6:00 PM. If you can't make it, please share this with someone who could benefit. Knowledge is the best defense! 🙌

📅 Wednesday, October 7th
⏰6:00 PM
📍Fillmore Campus Maple Conference Room.

All events are free and open to the community!

Hiring extra help for the busy season? 👥 Seasonal and part-time employees can raise some important health insurance ques...
09/29/2026

Hiring extra help for the busy season? 👥 Seasonal and part-time employees can raise some important health insurance questions:

✅ Are they eligible for your company health plan?
✅ Is there a waiting period before coverage begins?
✅ Could their hours affect your employee count under the Affordable Care Act (ACA)?
✅ If they aren’t eligible for your plan, do they know where else they can look for coverage?

One detail that can surprise employers is that part-time employees may still affect whether a business is considered an Applicable Large Employer (ALE) under the ACA because their hours are used to calculate full-time equivalents.

There’s also a special rule that may apply to employers whose workforce temporarily exceeds 50 employees because of seasonal workers, but specific requirements must be met.

So, before the seasonal rush begins, review your health plan’s eligibility rules, understand how additional workers may affect your ACA calculations, and clearly explain benefits eligibility to every new hire.

If you need help sorting through the details, we can help you review your group benefits and understand the considerations for seasonal and part-time employees.

The Medicare Part D Premium Stabilization Demonstration is ending after 2026. This is a temporary federal program that h...
09/28/2026

The Medicare Part D Premium Stabilization Demonstration is ending after 2026. This is a temporary federal program that helped stabilize premiums for some standalone Medicare Part D drug plans.

Does that mean your premium will automatically go up in 2027? Not necessarily. The impact will vary by plan, and total prescription costs depend on more than monthly premiums.

What should you do? Start by reviewing your Annual Notice of Change (ANOC) to see updates regarding your premium, coverage rules, out-of-pocket costs, and pharmacy network.

Once you know what's changing, talk to us to compare your current plan with the Part D options available for 2027. We will evaluate:

• What your prescriptions will cost
• Whether your medications are still covered and any new rules to get them covered
• Any changes to your deductible
• Whether your usual pharmacy is still preferred or in-network

Medicare Open Enrollment runs October 15–December 7. Even if you're happy with your current plan, reviewing your ANOC and comparing your options can help you determine whether your coverage still fits your needs for the year ahead.

Address

460 S Waverly
Holland, MI
49423

Opening Hours

Monday 9am - 5pm
Tuesday 9am - 5pm
Wednesday 9am - 5pm
Thursday 9am - 5pm
Friday 9am - 5pm

Telephone

+16163922105

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