Lori Hutson, Licensed Insurance Agent

Lori Hutson, Licensed Insurance Agent Turning 65? Already on Medicare? I can help! Please contact me for information relating to Medicare Insurance plans

The Income Related Monthly Adjustment Amount (IRMAA) is an additional monthly charge that people with certain high-incom...
06/05/2026

The Income Related Monthly Adjustment Amount (IRMAA) is an additional monthly charge that people with certain high-income levels must pay on top of their Medicare Part B and D premiums.

Dental insurance can feel confusing, and small misconceptions can lead to delayed care, missed benefits, or higher out-o...
06/05/2026

Dental insurance can feel confusing, and small misconceptions can lead to delayed care, missed benefits, or higher out-of-pocket costs over time. With Oral Health Month as a reminder to prioritize preventive care, it is a great opportunity to clear up a few common myths.

Here are a few things many people misunderstand about dental coverage:

🔹 “Cleanings aren’t covered.” In fact, many dental plans emphasize preventive care. Exams and cleanings are often covered at high levels because catching issues early helps reduce the likelihood of more extensive, costly procedures later.

🔹 “Waiting to treat issues can save money.” Delaying treatment typically increases costs. For example, a small cavity treated early may require only a basic filling, while waiting could lead to a crown or root canal with higher coinsurance and more time involved.

🔹 “All dentists are in-network with my plan.” Networks vary by plan and carrier. Scheduling with an out-of-network provider without verifying participation can result in higher out-of-pocket expenses.

Understanding how your dental plan works can help you get the most value from your coverage. If you have questions about how your dental benefits work, feel free to reach out. I am always happy to help review your options.

We do not offer every plan available in your area. Any information we provide is limited to those plans we do offer in your area. We currently represent 8 carriers with over 100 plans. Please contact Medicare.gov or 1-800-MEDICARE to get information on all of your options.

With June 6th recognized as Visually Impaired People Day, now is a good time to discuss how Medicare approaches vision c...
06/05/2026

With June 6th recognized as Visually Impaired People Day, now is a good time to discuss how Medicare approaches vision care.

Original Medicare (also known as Medicare Parts A and B) is designed primarily as medical insurance. That means coverage typically applies to the diagnosis and treatment of medical conditions affecting the eyes, rather than to routine vision care. However, Medicare Advantage plans usually do include coverage for routine eye exams.

Swipe for a brief overview of what Original Medicare and Medicare Advantage plans cover when it comes to vision care and eye health.

If you’d ever like to review how your current Medicare coverage addresses vision care, don’t hesitate to reach out to our team. We are always here to be a resource for you.
We do not offer every plan available in your area. Any information we provide is limited to those plans we do offer in your area. We currently represent 8 carriers with over 100 plans. Please contact Medicare.gov or 1-800-MEDICARE to get information on all of your options.

Let us educate you on your options: Independent agents can also provide personalized guidance by explaining complex insu...
06/04/2026

Let us educate you on your options: Independent agents can also provide personalized guidance by explaining complex insurance options in simple terms and helping you avoid gaps in coverage.

Medicare Supplements only pay after Medicare pays its share first. If Medicare approves a claim and pays the part that M...
06/03/2026

Medicare Supplements only pay after Medicare pays its share first. If Medicare approves a claim and pays the part that Medicare owes, it will forward the remainder of the bill to your Medicare Supplement.

June is Men's Health Month, and there is no better time to encourage you or the men in your life to take advantage of pr...
06/03/2026

June is Men's Health Month, and there is no better time to encourage you or the men in your life to take advantage of preventive screenings included with their health care coverage. Preventive screenings are among the most powerful tools for early detection of serious illnesses, and catching something early can make all the difference.

Here are some key screenings and wellness checks worth knowing about and at what age they start:

✅ Cholesterol checks - These key preventive screenings should start at 17 to monitor heart health and reduce the risk of heart disease and stroke. They’re recommended every four to six years.
âś… Diabetes screening - Diabetes screenings are recommended to begin at age 35 and every three years after, or earlier if risk factors are present, such as family history or being overweight.
âś… Prostate cancer screening - Men should start receiving regular prostate cancer screenings with their doctor, typically starting around age 50, or earlier for those with higher risk factors.
✅ Colorectal cancer screening - For men, a colonoscopy is recommended starting at age 45 for those with average risk and should be repeated every 10 years. The frequency of screening may increase based on your doctor’s assessment of your risk level.
âś… General mental health screening - These screenings are often conducted at annual checkups, at any age. They are a good time to speak openly with your provider about anxiety, depression, or any changes in your mood.

Every man's health journey looks different, so it’s best to talk with your doctor about which screenings are right for your age, history, and lifestyle.

Have questions about what your health coverage includes? Give us a call. We are here to help you make the most of your benefits.

We do not offer every plan available in your area. Any information we provide is limited to those plans we do offer in your area. We currently represent 8 carriers with over 100 plans. Please contact Medicare.gov or 1-800-MEDICARE to get information on all of your options.

At age 65, you are eligible for Medicare, regardless of whether you are already taking Social Security income benefits. ...
06/02/2026

At age 65, you are eligible for Medicare, regardless of whether you are already taking Social Security income benefits. Some people also qualify for Medicare earlier than 65 due to a disability or illness.

Also known as Medicare Advantage, the Part C program is a form of managed care that allows Medicare beneficiaries to get...
06/01/2026

Also known as Medicare Advantage, the Part C program is a form of managed care that allows Medicare beneficiaries to get their Parts A and B benefits through a private insurance plan and its network of providers. Many Part C plans offer a built-in Part D drug plan.

If you’re getting close to 65, you’ve probably heard Medicare is right around the corner. Most people become eligible to...
05/29/2026

If you’re getting close to 65, you’ve probably heard Medicare is right around the corner. Most people become eligible to enroll in Medicare when they turn 65, and this window is referred to as your Initial Enrollment Period (IEP).

As summer approaches, calendars fill up quickly. This is often when routine health care gets put off, but taking care of...
05/28/2026

As summer approaches, calendars fill up quickly. This is often when routine health care gets put off, but taking care of these preventive services early can help keep you healthy all summer long. Many of these services are covered under health plans and are designed to detect potential issues early, before they turn into more serious health concerns.

Coverage varies, but common preventive services may include:

âś… Annual wellness visits and routine physical exams.
âś… Blood pressure, cholesterol, and diabetes screenings.
âś… Cancer screenings.
âś… Well-child visits and developmental checkups.
âś… Recommended vaccinations.
âś… Preventive counseling related to nutrition, to***co use, or mental health.

Booking appointments in advance can also help avoid scheduling bottlenecks and missed coverage opportunities.

If you have questions about what your plan covers, don’t hesitate to reach out. Our team is here to help guide you.

We do not offer every plan available in your area. Any information we provide is limited to those plans we do offer in your area. We currently represent 8 carriers with over 100 plans. Please contact Medicare.gov or 1-800-MEDICARE to get information on all of your options.

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PO Box 1904
Milton, WA
98354

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