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Health Insurance, Employee Benefits, & Medicare Experts

10/17/2026

A completely unnecessary thing that makes October 10x better?

For me, it’s ALL the things. 😂

Halloween decorations, FINALLY cooler weather, bonfires, football weekends, and any excuse to live in cozy clothes.

Do I need all of these things to enjoy October? Absolutely not.

Would October feel slightly wrong without them? 100% YES. 🎃🍂

There’s just something about a chilly evening, a bonfire, football on in the background, and all the fall vibes that makes this one of my favorite times of year.

What’s that one little thing that officially makes it feel like fall for you?

10/09/2026

Renewal comes in.
You see the new numbers.
And your first thought is: “Okay…but WHY?” 😬

Your benefits renewal should be more than deciding whether you can handle the new price.

You should understand what’s driving it:
📈 Rate changes
👥 Employee changes
🏥 Plan usage
📋 Plan design
💰 Other options available

And ideally, those conversations happen before the deadline.

A renewal should give you information to make a decision, not just a number to accept.

If your renewal usually feels like one giant question mark, let’s change that.

10/08/2026

“How much life insurance do I need?”

It sounds like it should have a nice, neat formula.

Income × some magic number = done.

Except your paycheck probably isn’t the only thing your family would need to replace.

When I’m helping someone think through the number, we may also look at things like:

🏠 Mortgage or other debt

💵 How many years of income would need to be replaced

👧 Childcare costs

🎓 Future education expenses

⚰ Final expenses

💰 Savings and other resources already available

❤ What you’d want life to look like financially for the people left behind

And that number can look VERY different from one household to another.

So instead of asking, “What multiple of my salary should I have?”

A better question is:

“What would my family actually need financially if my income disappeared tomorrow?”

That’s the math that matters.

10/07/2026

Health insurance has its own language. These are the three words I wish everyone understood before they needed to use it.

Deductible: What you generally pay before your plan starts sharing more of the cost.

Copay: A set amount for a covered service, like $30 for an office visit.

Coinsurance: A percentage of the allowed cost you pay, often after meeting your deductible.

And yes, you can have all three in the same plan.

Your monthly premium is only part of the cost of health insurance. Take a minute to check your plan: What’s your deductible? Your common copays? Where does coinsurance apply?

Those are numbers worth knowing before you need care.

10/06/2026

There are a few things I hear about ACA coverage that sound like an immediate “NOPE.” 🚩

But sometimes, they just need context.

🚩 “My premium went up.”
Worth reviewing, but price alone doesn’t tell you whether the plan is still a good fit.

🚩 “My plan changed.”
Plans change from year to year. The question is whether those changes actually affect you.

🚩 “There’s a cheaper plan available.”
Cheaper sounds good, but what about the deductible, doctor network, prescriptions, and costs when you actually use the plan?

A red flag means look closer. It doesn’t always mean run.

If something about your coverage for next year has you wondering, “Wait…is that bad?” send me a message. I’m happy to help you sort through it.

10/05/2026

Medicare has a special talent for making perfectly normal things sound mildly terrifying. 🤣

Your Annual Notice of Change (ANOC) explains what’s changing with your Medicare. Advantage or Part D plan for the upcoming year.
A different prescription cost.
Someone telling you their plan is WAY better than yours.

Suddenly, it feels like you should be worried.

But different doesn’t automatically mean bad—and a change doesn’t always mean you need to switch plans.

Your Annual Notice of Change explains what’s changing for next year. The important part is figuring out whether those changes actually affect you—your prescriptions, doctors, pharmacy, costs, and coverage needs.

So if something in your Medicare mail looks concerning, bring it to your review. We’ll look at it together and figure out what it actually means.

09/25/2026

When did you last review your life insurance policy?

You bought life insurance, signed the paperwork, and checked it off the list. Done, right?

But life keeps changing—new baby, new house, new job, different income—and your policy stays exactly the same unless you revisit it.

That doesn’t necessarily mean anything is wrong. It just means the coverage you chose years ago may not match what you need today.

Simple next step: pull out your policy and check the coverage amount, beneficiaries, and who owns the policy.

If you’re not sure what you’re looking at, I’m always happy to help you make sense of it—no pressure, just clarity.

www.healthlinkkc.com

09/24/2026

You saw the Marketplace email come through.

You meant to open it. Then life happened, and now it’s buried somewhere between a shipping update and 47 emails you don’t remember subscribing to. 😂

If you have Marketplace coverage, those emails can include important updates about your plan, account, or next steps.

Simple next step: search your inbox for “Marketplace” and make sure you haven’t missed anything important.

Be honest—how many unread emails are sitting in your inbox right now?

09/23/2026

Small Business Reminder: Worker Classification Matters

Contractor or employee? The difference affects a lot more than how someone gets paid.

It can impact:
• Benefits eligibility
• Tax treatment
• Payroll responsibilities
• Compliance risk

Misclassification is often unintentional. Roles change, hours increase, responsibilities shift—and the original classification never gets revisited.

Simple next step: review any contractor relationships that have changed over time and make sure the classification still fits the actual role today.

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Overland Park, KS
66061

Telephone

+19137357666

Website

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