Dan Russ Insurance

12/04/2023

Don’t forget to enroll. If you’re still exploring your Medicare Advantage plan options for 2024, contact me today for help. Together, we can find the right UnitedHealthcare plan for you. (252) 582-5387, TTY 711

10/02/2023

The Annual Enrollment Period (AEP) officially begins on October 15th though December 7th. This is the time if you are on Medicare, you can change your Part D drug plan.

You can change your Part C (Advantage Plans). You can also enroll in an Advantage Plan, or disenroll in one if you like.

From Oct 1st until the 15th, we, as agents can discuss these plans with you. We cannot help you enroll or dis-enroll until the 15th.

With that being said, if you have questions about the changes of the plans for 2024 or about the new plans for 2024, just reach out and I will be glad to try to answer any questions you may have.

Medicare has tried to limit the many calls you receive but be ready. The best way to respond to these calls is to hang up. If they are calling you without your permission, they are non-compliant with the rules of Medicare, so can you really trust them?

Seek out a local broker, like me, who can help you with the plans in your area. The advise is free and if you enroll with one of us, it won’t cost any different than an 800 number plus you will have a local representative.

Just as a reminder, Medicare does not call people. They will return your call. So if someone calls you and says they are with Medicare, unless they are returning your call, be mindful of the information you give them.

There are many scammers out there but there are also many many helpful honest agents wanting to help you.

10/18/2022

If you are on the state retirement plan and on Medicare, we have some plans that compliment your retirement plan and will give you extra benefits.

Call or message us today. Your time is running out because the open enrollment for state retirees to make changes to their plan is the end of Oct.

10/14/2022

Great news for folks on Medicare in Carteret, Craven and Onslow counties. We have some new Advantage plans for 2023 in your counties and now is the time to find out if one is right for you.

Joe Stroud and myself will be doing formal events each Wednesday during AEP (Oct 15th- Dec 7th) except for the Wednesday before Thanksgiving and the very last Wednesday of Dec 7th in Beaufort, NC.

These events will last about an hour. We will go over the benefits offered by these plans and can even help you enroll if you desire.

These events will begin at 2PM and again at 6PM on Oct 19th, Oct 26th, Nov 2nd, Nov 9th and Nov 30th.

These events will be held at Queen Anne’s Revenge, 400 Front St, Unit 1, Beaufort, NC.

Directions: follow Turner St past the court house all the way to the end at Front St. Queen Anne’s will be the first unit across the street between the water and Front St beside the creamery. You can park on the street or in the parking lot beside the creamery. Parking is free after Labor Day.

If you can’t make it to one of these events and you want to know more about the new plans in these areas, you can reach out to me by phone, email or though FB but don’t put personal information on FB. Send it in a private message.

For accommodations of individuals with special needs at events, please call (252)-526-8086/TTY 711.

09/01/2022

https://click.mail-bcbsnc.com/?qs=72069b34493e60402d8be14a846a11560e3c819403273cae482ec6da38b35a3e1cc4a84a99f212c80a4d90474efb8b18bd3349632d64b529

Back-to-school season can be stressful for parents and kids. This health checklist will help you take care of you and your child's health.

04/06/2020

I know many may be losing or looking for health insurance coverage right now. My suggestion is to go to healthcare.gov. Fill out info for Obamacare including financial help.

If that is to unreasonable because of your income, we have short term medical that is less expensive but there will be underwriting questions. Let me know if I can help.

If you are turning 65, 65 or older we can look into a Medicare supplement.

Sent a private message if I can help. Surprisingly enough, we are considered essential so we are still here.

Be blessed today

10/22/2018

It is here, from October 15th to December 7, AEP (annual enrollment period) for Medicare.

If you're on Medicare, now is the time to check and see if your drug plan is the best one for you. That is simple to do, just google Medicare part D comparisons and it will take you to the SHIPP site, you can enter the drugs you take and the drugstore you use and it will give you the best plan for you. Or you can go down to the senior center and they will have a volunteer there to help you.

It is also the time, if you want to enroll in a Medicare advantage. You can do so or if you wish to switch Medicare advantage plans if there are some available in your area, now would be the time.

However, this is not a time that you can switch Medicare supplement plans without underwriting unless you're in your personal open enrollment which would be the six months surrounding you turning 65 and signing up for part B Medicare.

You can change Medicare supplement plans anytime of the year you choose as long as you can qualify through underwriting. On the good side, qualifications are not as tough because Medicare is the primary and the Medicare supplement will be secondary in your health care cost.

Going forward, in my opinion as well as many others, it is best to have a Medicare supplement and a standalone drug plan. Of the Medicare supplements, plan G is the best value. Make sure if you compare plans, you're comparing the same plan with another. For example make sure you're comparing a plan G with a plan G. All plan G's pay the same benefits, as regulated by Medicare, regardless of the company. That goes for the other nine plans as well so there's no need to pay more just so you can have a name brand.

If your premiums have gotten to high I would suggest trying to change plans on your Medicare supplement but if your health has fallen, the next best thing in my opinion would be a Medicare advantage.

A Medicare advantage is not a Medicare supplement, it does not supplementing your Medicare benefits it is just another way of you receiving your Medicare benefits, but the advantage over original Medicare is there is a stop loss with a Medicare advantage and there is not a stop loss with original Medicare. That simply means with a Medicare advantage, there will be a maximum that you could spend regardless of your medical needs per year.

If I can be of any assistance, tap over to my page and send me a message, and I will get back to you. Do not put private information on Facebook for everyone to see, send me a private message.

Thank you and have a great week!

09/28/2018

07/13/2018

Most Medicare supplement policy's premium increase every year on the anniversary date, if you've had your policy for several years you may be paying more than you need to. Send me a private message with your ZIP Code, your age and whether you're a smoker or not and I will send you back a free quote with no obligation and no further communication from me unless you asked for it. I have helped people save several hundred dollars a year on their insurance premium. I look forward to hearing from you.