Wilfinger Health & Life

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Wilfinger Health & Life Wilfinger Health + Life is in The Business of Reimagining Your Health Insurance Experience

I am an independent agent, which allows me to offer a variety of insurance companies and plans to ensure I find the best fit for you.

That pile of Medicare mail on the counter probably contains at least one document you need before December 7, and the tr...
11/03/2026

That pile of Medicare mail on the counter probably contains at least one document you need before December 7, and the trick is knowing which one. This is what to look for:

▪️Your Annual Notice of Change, which lists what's different about your plan next year
▪️Changes to your premium, deductible, or copays

However, you are not going to receive anything regarding specific changes to your doctors, prescriptions, and pharmacies.

Rather than assuming last year's coverage carries over,

Call me at 586-604-7632 if you need clarity on anything.

Happy Halloween from Wilfinger Health + Life! 🎃Whether you are welcoming trick-or-treaters, spending time with family, o...
10/30/2026

Happy Halloween from Wilfinger Health + Life! 🎃

Whether you are welcoming trick-or-treaters, spending time with family, or enjoying a quiet evening at home, I hope your night is safe, fun, and filled with a few favorite treats.

If Medicare, health insurance, or life insurance questions are on your mind, I am always here to provide clear, personal guidance. Wishing you a happy Halloween! Tammy

Before you settle on a plan for 2027, I ask every client four questions:▪️Are your doctors in network?▪️Are your prescri...
10/28/2026

Before you settle on a plan for 2027, I ask every client four questions:

▪️Are your doctors in network?
▪️Are your prescriptions covered, and at what tier?
▪️Is the pharmacy you already use included?
▪️What changed in your premium, copays, dental, vision, or over-the-counter benefits?

Answering them requires specifics, not general information. Have the medication name and dosage ready, along with the doctor's full name and the pharmacy location, because two plans can look nearly identical until your actual drug list goes in.

If a question isn't on that list, bring it anyway. You have choices, I have answers, and my only goal is that you walk out better off than when you came in.

Call me at 586-604-7632!

Before you settle on a Medicare plan for 2027, there are four important questions that need answering: Are your doctors ...
10/22/2026

Before you settle on a Medicare plan for 2027, there are four important questions that need answering: Are your doctors in network? Are your prescriptions covered? Is your preferred pharmacy included? And what changed in your premium, copays, dental, vision, or over-the-counter benefits?

Answering them takes specifics rather than general information. The medication name and dosage, the doctor's full name, and the pharmacy location are what make a comparison accurate, because two plans can look nearly identical until your actual drug list goes in.

If someone you know is heading into their first Medicare enrollment season, share these four questions with them & my information. Tammy

I'm Tammy Wilfinger, and what I hear most every year is someone telling me they had no idea their Medicare plan changed....
10/20/2026

I'm Tammy Wilfinger, and what I hear most every year is someone telling me they had no idea their Medicare plan changed. Open enrollment runs now through December 7, and this is your window to choose rather than letting Medicare choose for you.

Plans are updated every year. Premiums, deductibles, copays, drug formularies, provider networks, pharmacies, and extras like dental, vision, hearing, and over-the-counter benefits can all read differently for 2027 than they do right now. Don't assume yours stayed the same, because assuming is usually where the expensive surprises begin.

The document that lays all of this out is your Annual Notice of Change, and it should have reached you by the end of September. If it doesn't make sense, that's exactly what I'm here for. There's no cost, no obligation, and no pressure to move anywhere.

Call or text me at 586-604-7632, and we'll walk through yours together.

The question I hear most this time of year is whether reviewing your Medicare coverage means you have to change it, and ...
10/14/2026

The question I hear most this time of year is whether reviewing your Medicare coverage means you have to change it, and the answer is no. If the plan you have is still the best fit, I'm going to tell you that, and we'll leave it exactly where it is.

What a review does is compare next year's coverage against the way you actually use it, looking at your doctors, your prescriptions, your pharmacy, your premium, your copays, and the extra benefits you count on. Sometimes that comparison points toward something different, and often it confirms what you already have, which is a good outcome too.

The reason I'd still ask you to look is that you don't know what you don't know, and you don't know what to ask if nobody has told you what to ask, and that part is my job. I'm Tammy Wilfinger, and I do the heavy lifting so you can have peace of mind.

Set up a time with me by calling me 586-604-7632.

October 15 is almost here and Medicare open enrollment runs through December 7. This is the one stretch of the year when...
10/06/2026

October 15 is almost here and Medicare open enrollment runs through December 7. This is the one stretch of the year when most people can review their Medicare health and prescription drug coverage and make changes for 2027.

Plan costs, benefits, provider networks, pharmacies, and drug coverage can all shift from one year to the next. A doctor you've seen for years may not be in network for 2027, or a prescription you refill every month may carry a different copay or no longer be covered. Additionally, lots of changes to benefits such as dental, vision, hearing, OTC (over the counter) & fitness memberships are coming.

Your Annual Notice of Change is the document that spells all of this out, and it should have arrived by the end of September. If it's somewhere in the pile on the counter, that's the envelope to open first. Then, call me at 586-604-7632 and we can set up a time to meet & go through it together. I will review with you to find the best fit plan for you & 2027.

Your Annual Notice of Change (ANOC) should arrive from your current Medicare Advantage or Part D plan by September 30.Th...
09/15/2026

Your Annual Notice of Change (ANOC) should arrive from your current Medicare Advantage or Part D plan by September 30.

This important document explains changes to your coverage that may take effect January 1, 2027. Even when you have been happy with your plan, a quick review can help you avoid surprises during the Medicare Annual Enrollment Period, which begins October 15.

Pay close attention to changes in:
• Monthly premiums, deductibles, copays, and maximum out-of-pocket costs
• Prescription drug formularies and pharmacy options
• Doctor, hospital, and provider networks
• Extra benefits, including dental, vision, and over-the-counter allowances

Small changes can affect both your health care costs and access to the providers and prescriptions you rely on.

If you are in Southeast Michigan and would like help understanding your ANOC or reviewing your Medicare options for 2027, I am happy to sit down with you and talk it through. My goal is to make sure you feel informed and confident about your coverage.

Call me at (586) 604-7632 to schedule a review.

Insurance is personal, and I think the person helping you with it should be too. I'm Tammy Wilfinger, a licensed life an...
09/10/2026

Insurance is personal, and I think the person helping you with it should be too. I'm Tammy Wilfinger, a licensed life and health agent in Michigan, and Wilfinger Health + Life is a one-person practice. I sit down with almost all of my clients face-to-face.

Before insurance, I spent more than 20 years in health care across Southeast Michigan in roles that ranged from the lab to IT to management. My background is the reason I explain coverage the way I do, in plain language.

Trustworthy, friendly, and knowledgeable is what I aim for every time, and my goal is that you leave understanding your options every single time. Your favorite neighborhood insurance agent should feel like a neighbor.

Learn more about how I work at whl-mi.com.

You don't know what you don't know, and health insurance isn't intuitive. That's a phrase I use often with clients at Wi...
09/03/2026

You don't know what you don't know, and health insurance isn't intuitive. That's a phrase I use often with clients at Wilfinger Health + Life, because plans shift from one year to the next in ways that are easy to overlook.

A yearly review looks at whether your doctors are still in network, whether your prescriptions are still covered and at what cost, whether your pharmacy is still preferred, and what's happening with your copays, dental coverage, and over-the-counter benefits.

Here's a common example: A medication you've taken for years may still appear on next year's formulary and still cost you something different at the counter, because plans can move drugs between tiers.

When we sit down together, I'll ask about your current doctors, your prescriptions and dosages, and the pharmacy you use, so having those handy makes the conversation go further.

Call me at 586-604-7632 and we can start there.

Address

79 Macomb Place Suite 100
Mount Clemens, MI
48043

Opening Hours

Monday 10am - 6pm
Tuesday 10am - 6pm
Wednesday 10am - 6pm
Thursday 10am - 6pm
Friday 10am - 6pm
Saturday 11am - 2pm

Telephone

+15866047632

Website

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