Lynn Floyd - Life and Health Insurance Specialist

02/04/2026

Looks close enough to my desk! Fun trend

12/09/2025

More heads up about scams! Beware the fraud is everywhere.

SMPs are warning about an increased amount of scam calls about chipped Medicare cards. Medicare beneficiaries are reporting calls from "Medicare representatives" or "agents" that are calling to help them get new Medicare cards with a chip in it. These don't exist. This is a scam to steal the Medicare number so they can bill Medicare and get money.

Report these calls to the SMP. Be sure to review your Medicare statements for charges for braces. If you find something, say something.

https://smpresource.org/smp-resource-center/

12/09/2025

If you barely made it through this years Medicare Annual Enrollment Period- same! These insurance companies sure have made it challenging this year. Thank you to my clients for sticking with me and all the changes. I’m exhausted. 🤣

11/25/2025

Unlike Original Medicare, Part C (Medicare Advantage) and Part D are run by private insurers. CMS has strict marketing rules to protect you.

Watch for violations like unsolicited calls, “from Medicare” claims, door hangers/flyers without an appointment, gifts to enroll, or pressure after a missed appointment.

If you see this, report it to Senior Medicare Patrol: smpresource.org/reportfraud or 877-808-2468.

10/11/2025

If you need help navigating your options for Medicare plans or healthcare marketplace options come see me at the Henry County Farmers Market today or give me a call 765-529-4357.

10/08/2025

Did you know? If you refuse the ambulance but go anyway on your own later, that may not be covered. 🤨

Medicare covers ambulance services when they are medically necessary. To qualify for coverage, the ambulance and its crew must meet certain standards and be the only safe means of transporting a patient to an appropriate facility – like a hospital, skilled nursing facility (SNF), or dialysis center – where the patient receives Medicare-covered services.

Report any potential ambulance fraud, errors, or abuse to the Indiana Senior Medicare Patrol to help protect the Medicare program and your tax dollars.

10/04/2025

Got Medicare Questions? I have Answers, come see me tomorrow at the Henry County Farmers Market. It’s gonna be a beautiful day!

10/03/2025

If you need help with a Medicare Plan Review for 2026 it’s about that time! If you have family or friends without a good agent I love referrals. Be safe out there and watch out for fraud. Do not give your information to just anyone.

08/23/2025

I know insurance can be boring and frustrating but I will help walk you through it. Plus it feels amazing out here today at Henry County Farmers Market instead of a sweatbox like last week. Come see all the vendors before you start your day. 😉

08/09/2025

My view at the Henry County Farmers Market today. Come see the great vendors and stop by and say Hi! I am now working with Josh Thurman Shelter Insurance for your Home & Auto needs.

07/12/2025

It’s a beautiful day at Henry County Farmers Market! Come see all these great vendors and if you need my help I’m here.

07/06/2025

For my Medicare clients that may be concerned about the impact of the Big Beautiful Bill on Medicaid in Indiana.

🏛 Indiana Medicaid Changes Under the “One Big Beautiful Bill”
Effective by end of 2026
📌 WHO THIS AFFECTS
You may be impacted if you:
✅ Are age 19 to 55
✅ Receive Medicaid through HIP (Healthy Indiana Plan)
✅ Are able-bodied and not otherwise exempt

✅ WHAT YOU MUST DO
To keep coverage, you must now verify that you complete:
➡️ 80 hours per month of one or more of the following:
Working (part-time or full-time)

Looking for a job or job training

Going to school or job-readiness classes

Volunteering in your community

Caring for someone with a medical need (if approved)

📆 You will need to report your hours at least every 6 months.

🚫 WHO IS EXEMPT
You do not have to meet the work requirement if you are:
Under 19 or over 55

Pregnant

Receiving disability benefits (like SSI or SSDI)

Diagnosed as medically frail by a doctor

The primary caregiver for a child or disabled adult

Living in a rural area with very limited job access (some ZIP codes only)

📄 You may be asked to prove your exemption regularly.

⚠️ WHAT HAPPENS IF YOU DON’T MEET THE RULE
You will receive a warning and have 30 days to provide proof of work hours or request an exemption.

If you don’t respond, your HIP coverage could be suspended or terminated.

You may reapply, but coverage will be delayed until you meet the requirements again.

📊 HOW MANY HOOSIERS MAY BE AFFECTED
Indiana could see 174,000 to 290,000 people lose HIP or Medicaid coverage over the next 10 years.

Many may lose coverage due to missed paperwork, confusion, or life changes—even if they are eligible.

🧾 WHAT YOU SHOULD DO NOW
Keep your address and phone number updated with Indiana Medicaid.

Keep records of work, school, or volunteer hours.

If you believe you’re exempt, gather documents now (such as disability paperwork, caregiver letters, pregnancy verification).

Respond to all Medicaid mail or texts right away.

Bottom line:
🛑 December 31, 2026 is the federally mandated deadline for states (including Indiana) to begin enforcing these new Medicaid rules. Indiana may roll these out early—but no later than the end of ’26. Affected individuals should prepare documentation and track their hours accordingly.