Sally-Jane Multiline Insurance and Financial Services

11/02/2021

The Medicare Annual Enrollment Period (AEP) from October 15 to December 7 is now in full swing! For your information, the AEP is applicable only to Medicare Beneficiaries who are currently insured with a Medicare Advantage (MA) or Medicare Advantage-Prescription Drug (MA-PD) plan (Part C or Parts C & D of Medicare) comprising of HMOs and PPOs. The AEP is also applicable to those who have stand-alone Prescription Drug Plans (PDP)

All insurance carriers are required to send out Annual Notice of Changes (ANOC) to their members about the last week of September to notify you of the modifications in your plan. It is my advice to you to read the ANOC corresponding to your plan so you will not be surprised to see drastic increases in your PDP premiums starting Jan 1 and by then, it will be too late to change plans, so you are stuck with the higher premiums for one year. If you discarded your ANOC or can't find it, you may call me and I'll let you know what yours looks like.

New benefits are available every new year. But these benefits are not embedded in every plan or available with every carrier. Not all benefits are available for every beneficiary. You have to qualify for some of them. Be mindful that some benefits, if you choose them have tradeoffs in the backend, like higher copays for hospitalization and other services, and higher overall out-of-pocket expenses if you get sick, which your agents usually conceal from you. Those of you who have the older plans from years ago, please call me, so I can upgrade your plan to include the new benefits, where applicable.

Don't be left out. Call, text, or email me today to learn more about the latest technology and innovations and to see if you qualify.

Free consultation with no obligation.

SallyJane *SJ* Lim, CFP, CLU, LUTCF
Insurance And Financial Advisor
Landline (626) 358-2809 9am-9pm, 7 days a week
Mobile (626) 367-7092 - call or text

website: SallyJaneInsurance.com

CA License 0799679 NV License 77843

*SallyJane is an insurance broker who represents Aetna, Anthem Blue Cross, Blue Shield of CA, Brand New Day, Central Health, Health Net, Humana, SCAN, United Healthcare (AARP branded), and other major insurance carriers.

**Feel free to call if you have any questions about your Medicare plan or to see if there's a better plan for you since coverages continuously change every year.

06/18/2021

https://www.marketwatch.com/story/it-makes-me-angry-my-husbands-ex-wife-has-a-1-million-insurance-policy-on-his-life-can-we-cancel-it-11623906630?cx_testId=22&cx_testVariant=cx_1&cx_artPos=0&mod=home-page-cx

‘Once all the kids have graduated, and there is no financial obligation to her, should she be allowed to keep it?’

10/29/2020

Check out my website... www.SallyJaneInsurance.com

Got questions about your insurance? Talk to an expert today with more than 30 years experience! We cover Medicare, life insurance, heatlh insurance and many more.

03/13/2020

The stock market has been crashing lately due to the COVID-19 panic. If you look at your latest 401K statement, I'm sure you'll be shocked on how much you lost and this can be devastating if you're planning to retire soon. Fortunately for my clients, who listened to my advice, they didn't lose a cent in the market while they remain invested. If you're interested to know how or what product I used, just send me a message in FB and I'll walk you through it.

11/09/2019

https://www.cnbc.com/2019/11/01/biggest-mistake-employees-make-during-open-enrollment.html

It's that time of year again. Open enrollment offers employees the opportunity to do some research about their benefit plans, make smart choices, and then save hundreds of dollars — or more — in 2020.

10/29/2019

Make sure you're reading the letters that your (Medicare) insurance carrier is sending you. I had a client who throws them away and didn't realize that he's paying much more than he needed to (due to premium increases). I had to switch him to another company to lower his cost or out-of-pocket expenses. He's glad I told him about it.

12/07/2018

In case you're paying too much for your prescription drugs, check out MyBenefitsAdvantage.

https://mybenefitsadvantage.com/dimb-sallyjanelim/

11/13/2018

It's not too late for someone to review your current Medicare coverage, but don't delay too long, open enrollment will end soon. Don't be left in the dark with the wrong plan that may cost you a bundle.

I'm an insurance broker that represents ALL the major carriers (Health Net, Blue Cross, Humana, Scan, AARP, etc.) so I can give you a complete check-up to make sure you have the right plan in place for 2019.

I'm just a phone call away in case you need professional help at no cost or obligation. Yes, get a FREE policy review today - you have nothing to lose! Let me do all the comparison shopping for you that will leave the most money in your pocket (FREE service - absolutely no charge to you).

Call (626) 358-2809 anytime. Make sure to leave a message in case I'm on another line and I'll call you back. You can also message me here on Facebook with your phone number and best time to call.

My office is located at Monrovia, California.

Click below to find out why it's important to have an annual policy review. But make sure you write my number down first before this ad disappears.

Medicare recipients who turn to an agent or broker for help should make sure that person has evaluated all coverage options before the program's fall enrollment period ends Dec. 7.

10/23/2018

Advisors who work with wealthy clients are sure to see an uptick in activity as the act presents a tremendous opportunity to transfer large amounts of wealth. Here’s a closer look at several strategies that will help.New Tax Act allows for unprecedented wealth transfer, life insurance opportunitie...

10/16/2018

MEDICARE ANNUAL ENROLLMENT PERIOD STARTS 10/15 and ENDS 12/7 2018

During this 7 week limited time-frame, Medicare allows all beneficiaries to change insurance company and/or plan to be effective in January 2019.

Because there are so many plan and benefit changes (additions and deletions) for the new year, which are overwhelming for many Medicare beneficiaries, I offer my assistance to help you navigate through the Medicare maze. Let me review your current insurance in order to enable me to connect you with a carrier that can provide you most (if not all) of your current needs and wants.

As you know, I’m an experienced, independent Insurance & Financial Advisor, representing, and certified with all of the major insurance carriers, offering a complete portfolio of Medicare and Medi-Medi plans and will have the ability and expertise to help you decide on which plan to pick which would best fit your needs - because one plan or one company does not fit all.

If you have a problem in paying multiple prescription drugs, I can definitely help in lowering or reducing your co-pays to zero.

You can also refer your friends, parents and grandparents who are 64-1/2 years of age or those who are already Medicare-eligible, to call, text or email me with questions.

Mobile: 626-367-7092