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BeneGuides BeneGuides was founded with one goal in mind: to help people make sense of health insurance.

The Medicare Annual Enrollment Period is here.From October 15 through December 7, Medicare beneficiaries can review thei...
10/15/2026

The Medicare Annual Enrollment Period is here.

From October 15 through December 7, Medicare beneficiaries can review their current coverage and make certain changes for the coming year.

Even if you are happy with your current coverage, it is important to check whether your plan’s costs, prescription coverage, provider network, pharmacy network, or additional benefits will change in 2027. Your own healthcare needs and budget may have changed too.

Any coverage changes made during this period generally take effect January 1, 2027.

Ready to review your options? Scan the QR code in the graphic to access our online scheduling form and choose the appointment option that works best for you.

Enrollment season is approaching, and appointment times can fill quickly.Scheduling early gives you more dates and times...
09/29/2026

Enrollment season is approaching, and appointment times can fill quickly.

Scheduling early gives you more dates and times to choose from, along with time to gather the information needed for your appointment. It can also help reduce some of the last-minute pressure that often comes with enrollment deadlines.

This year, most BeneGuides enrollment updates and reminders will arrive by email. When you are ready to schedule, start with our online form to choose your coverage type and select a specific agent or no preference. The form will then direct you to the appropriate scheduling options.

Scan the QR code in the graphic to access our online scheduling form and reserve your appointment.

Planning ahead now can make enrollment season a little easier later.

Marketplace Open Enrollment begins November 1, but you do not have to wait until then to start preparing.Before enrollme...
09/15/2026

Marketplace Open Enrollment begins November 1, but you do not have to wait until then to start preparing.

Before enrollment begins, take some time to gather updated information about your household, expected 2027 income, healthcare needs, and any coverage available through an employer. Having this information ready can make it easier to review your options and complete your enrollment when the time comes.

Appointments can fill quickly during Open Enrollment, so we recommend scheduling early. Use the QR code in the graphic to access our scheduling page and choose the appointment option that best fits your needs.

Marketplace Open Enrollment begins November 1 for coverage beginning January 1, 2027.

Start preparing now, and let BeneGuides help you navigate your coverage options.

Even if you are happy with your current Medicare coverage, your plan may not look exactly the same in 2027.Medicare plan...
09/08/2026

Even if you are happy with your current Medicare coverage, your plan may not look exactly the same in 2027.

Medicare plans can change their premiums, deductibles, copays, prescription coverage, provider networks, preferred pharmacies, and extra benefits each year. Your healthcare needs may have changed too.

When you receive your Annual Notice of Change, take some time to review it carefully. Pay particular attention to the costs, medications, doctors, specialists, and pharmacies that matter most to you.

The Medicare Annual Enrollment Period runs from October 15 through December 7. During this time, you can review your coverage and determine whether your current plan still fits your needs for the coming year.

Have questions about what is changing? BeneGuides is here to help you understand your coverage and review your available options.

When people think about employee health benefits, they often picture large companies with hundreds of employees. But ben...
08/25/2026

When people think about employee health benefits, they often picture large companies with hundreds of employees. But benefits are not necessarily limited to big businesses.

Depending on the size and structure of your company, there may be options available for smaller teams, too. Offering benefits can be a valuable way to support your employees, strengthen your compensation package, and help your business remain competitive.

The right approach will look different for every company. We can help you explore the available options, consider what your business may contribute, and determine what could realistically work for your team and budget.

Curious about offering benefits to your employees? Let’s talk through the possibilities.

Meeting your deductible is an important milestone, but it does not necessarily mean your healthcare becomes completely f...
08/20/2026

Meeting your deductible is an important milestone, but it does not necessarily mean your healthcare becomes completely free.

Once your deductible has been met, your insurance plan will typically begin paying a larger share of the cost for covered, in-network care. You may still be responsible for copays or coinsurance depending on the service and how your plan is structured.

Those costs continue to count toward your out-of-pocket maximum. Once that maximum is reached, your plan generally pays 100% of covered, in-network services for the remainder of the plan year.

Every policy works a little differently, so understanding your deductible, copays, coinsurance, and out-of-pocket maximum can help you better anticipate your healthcare costs.

Questions about how your plan works? We’re happy to help.

Many people assume that Medicare premiums and other healthcare costs are simply something they have to budget for. What ...
08/15/2026

Many people assume that Medicare premiums and other healthcare costs are simply something they have to budget for. What many don't realize is that there are programs designed to help eligible beneficiaries lower those expenses.

Medicare Savings Programs (MSPs) may help pay certain Medicare costs, such as premiums and, depending on the program, other out-of-pocket expenses like deductibles, copayments, or coinsurance. Eligibility is based on income, available resources, and the specific program guidelines in your state.

A separate program called Extra Help (Low-Income Subsidy) helps eligible beneficiaries with Medicare Part D prescription drug costs, including premiums, deductibles, and copays. Some people qualify for Extra Help automatically through other assistance programs, while others may qualify by applying directly.

Even if you aren't sure whether you qualify, it's often worth checking. Many people are surprised to learn that assistance may be available.

If you have questions about Medicare Savings Programs or Extra Help, we're happy to help explain your options and point you in the right direction.

Finding a health plan isn't just about the monthly premium. It's also important to make sure the doctors and specialists...
08/10/2026

Finding a health plan isn't just about the monthly premium. It's also important to make sure the doctors and specialists you want to see are actually in your plan's network.

Even when an online provider directory looks correct, things can change. Doctors may join or leave a network, and a medical office being in network doesn't always mean every provider at that location is.

Taking a few extra minutes to verify your providers before you enroll can help you avoid unexpected out-of-network costs and make choosing a plan a little less stressful.

If you're shopping for coverage and want help checking your doctors, we're always happy to help.

As summer winds down, flu shot clinics start popping up everywhere, from pharmacies to doctor's offices.Before you sched...
08/05/2026

As summer winds down, flu shot clinics start popping up everywhere, from pharmacies to doctor's offices.

Before you schedule your appointment, take a minute to review your health insurance benefits. Many plans include coverage for preventive flu shots, but it's always a good idea to make sure you're using an in-network provider.

If you have questions about your coverage, we're always happy to help you understand your benefits so you can head into the season with confidence.

Back-to-school season is a great reminder to check more than just your school supply list.Before schedules get busy, tak...
08/01/2026

Back-to-school season is a great reminder to check more than just your school supply list.

Before schedules get busy, take a few minutes to make sure your family's health coverage is working for you. Annual checkups, vaccinations, vision and hearing exams, prescription refills, and sports physicals (if required) are all worth checking off before the school year begins.

Many health insurance plans include preventive care benefits that can help you stay ahead of routine healthcare needs.

Not sure what's covered under your plan? We're always happy to help you understand your benefits and make the most of your coverage.

Have questions? Reach out to BeneGuides. We're here to help!

Address

1745 Hamilton Road, Suite 300
Okemos, MI
48864

Opening Hours

Monday 9am - 5pm
Tuesday 9am - 5pm
Wednesday 9am - 5pm
Thursday 9am - 5pm
Friday 9am - 5pm

Telephone

+15179391981

Website

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