Sparks Legacy Team

05/23/2026

05/22/2026

🇺🇸 Happy Memorial Day 🇺🇸
This Memorial Day, we pause to honor every veteran — past and present — and the families who stood beside them through sacrifice, service, and love of country. Your dedication to protecting American freedom will never be forgotten. We are grateful beyond words.

⚠️ Medicare Alert: The COBRA Trap
If you are 65 or older and still holding onto COBRA instead of enrolling in Medicare, you may be heading into serious financial trouble.
🚫 COBRA is NOT creditable coverage after age 65.
Here's what you need to know:
❌ Medicare requires that it be your primary insurance — COBRA becomes secondary and will not pay first.
❌ You risk major gaps in coverage when claims aren't paid properly.
❌ You face lifetime late enrollment penalties on Medicare Part B.
❌ You have significant out-of-pocket exposure if COBRA is your only coverage.
✅ The right move: Enroll in Medicare at 65 and drop COBRA. Medicare becomes primary, protecting you fully.
⏰ Don't wait: Delaying Medicare enrollment past your window locks in costly penalties for every year you wait.
💬 Message me directly for a FREE guide on Medicare — get clear answers, avoid costly mistakes, and find the right coverage for you.

Wishing you a safe & happy Memorial Day weekend! 🌟

03/03/2026

Call today if you need good dental insurance- there is a great plan for people over 65 to supplement Medicare, as well as those under 65 to supplement EGHPs! No annual cap! No waiting period for preventative or minor procedures. I personally signed up for this plan as soon as I learned about it. Don't wait!

02/25/2026

The Sparks Legacy Team makes Medicare Easy! If you are turning 65 in the next 6 months, contact an expert in Social Security and Medicare today!! See timeline and next steps below.

02/24/2026

I recently partnered with an amazing team of professionals that as a part of my service are offering a complimentary on track retirement review. I established this partnership because the top two concerns that are raised with me from retirees (following healthcare), are Long Term Care Planning and Taxes. If you have an interest, or know someone who may benefit, call me direct or use the QR code below to schedule a time to learn more.

02/23/2026

02/17/2026

Don't miss out on an opportunity to compare or change your Medicare Plan. Call today at 913-626-8369.