PAR 3 Insurance

10/15/2026

https://www.yahoo.com/news/politics/articles/atrium-health-shifted-network-state-193200530.html

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(The Center Square) – Atrium Health on Jan. 1 will be moved to out-of-network tier for the State Health Plan in North Carolina, first-term Republican state Treasurer Brad Briner said Wednesday.

08/27/2026

Between the busy nature of this time of year, it's easy for health benefits to slip your mind entirely, even the ones with real money attached to them. As a reminder: Some benefits completely disappear if they're not used by year-end, while others carry over without you having to do anything at all.

Swipe through for a quick recap of what expires, what doesn't, and what to keep in mind as the year comes to a close.

Not sure what your specific plan allows? Reach out anytime. We're happy to help you sort out what's actually expiring versus what isn't.

08/26/2026

Small, daily habits can have a bigger impact on your health than most people may realize. Swipe through for some simple changes that are easy to make and might be worth sticking with for the long run.

As always, if you have questions about your health insurance coverage, give us a call. We are here to help.

08/14/2026

Your Medicare coverage should not be something you only think about once a year. Certain life changes, plan questions, or coverage issues are good reasons to reach out sooner to avoid surprises and make sure your plan still fits your needs.

Swipe to see when it is a good time to call your Medicare agent.

The best time to call your Medicare agent is before a small question becomes a bigger coverage problem. If you need help reviewing your plan, preparing for enrollment, or understanding a recent life change, contact our office.

08/13/2026

Each year, Medicare drug plans can change what they cover, how much you pay, and the rules around your prescriptions. That means a medication that worked for you this year may cost more, or may not be covered at all, next year.

A simple prescription coverage review can help you:

Confirm your prescriptions are still covered under your plan.
Identify potential restrictions like prior authorization or step therapy.
Explore lower-cost or generic alternatives.
Avoid unexpected out-of-pocket expenses.

For questions about how your medications interact, speak with your pharmacist or prescribing physician.

With rising prescription costs and ongoing changes to Medicare drug coverage, reviewing your medications annually is one of the best ways to protect both your health and your budget.

If you have questions about your coverage or want help reviewing your current plan, we are here to help. Give us a call today, and we can get started.

08/13/2026

Your health and well-being deserve coverage that fits your life. Not a one-size-fits-all plan, but one that is built around your specific needs and priorities. Our team specializes in personalized health, dental, and vision coverage designed to give you the protection and peace of mind you deserve.

We are here to help you. If you have questions about your current coverage or you’re navigating a change in coverage and would like to talk through your options, don’t hesitate to reach out today.

07/30/2026

There is something about summer that allows us to slow down and soak in the moments that matter. The laughter around the table, the time spent with loved ones, and the milestone memories made in between.

It is in these moments that we are reminded what truly matters most, and why protecting it is so important. Life insurance is not about focusing on the worst-case scenario. It is about creating a plan that helps ensure the people you love are supported, no matter what the future holds.

If it has been a while since you reviewed your coverage. Now is a great time to start the conversation. Reach out today to learn more.

07/28/2026

From time to time, our firm likes to remind clients about the importance of keeping their life insurance information organized and accessible. Gathering and storing key records helps beneficiaries know where to turn when they need it most. Swipe through for a checklist of documents to keep together.

Taking the time to organize these documents is also a great opportunity to review your policy and beneficiary designations, ensuring everything is accurate and up to date. If you have questions about your coverage or would like help reviewing your policy, reach out anytime.

07/28/2026

Navigating benefits and enrollment can feel overwhelming, especially when you are sorting through plan details, costs, and important deadlines. Keeping everything in one place, whether in a folder or a digital file, makes it easier to review your coverage, understand your costs, and spot changes, so you can make confident decisions for the year ahead.

Keep current ID cards somewhere easily accessible, and store plan documents, important letters, and digital backups in one place so you can easily review your coverage and stay organized.

If you want to feel more prepared navigating your benefits, our team is here to help you get organized and review your coverage with confidence. Reach out today to get started.

07/20/2026

Medicare’s annual election period (AEP) might feel far away, but the best time to ask questions is long before the deadlines hit.

When you start exploring your Medicare options early, you give yourself time to understand what is actually covered, compare plans that fit your doctors and prescriptions, and avoid last-minute stress or rushed decisions.

A simple conversation now can make your AEP enrollment window choices between October 15th to December 7th clearer, calmer, and more confident.

If you’re unsure where to start or what to ask, reach out. We’re here to walk with you through your Medicare questions, step by step.