Phocus Health Benefits

02/11/2026

11/26/2025

Happy Thanksgiving!

11/19/2025

Need Guidance? Let me be your trusted advocate to make sure you feel confident about your coverage. Please share with friends and family who may need assistance.

09/22/2025

Can you believe it’s that time of year again?

The Annual Notice of Change (ANOC) from your current health plan carrier will be arriving soon. This important document outlines updates to your plan for 2026—and it’s essential to review it carefully to ensure your coverage still meets your needs.

Here are a few key areas to pay close attention to:
• 💰 Monthly Premium
• 💊 Deductibles & Copays
• 🛡️ Maximum Out-of-Pocket Costs
• 💊 Drug Formulary Changes
• 🦷 Updates to Extra Benefits (Dental, Vision, Hearing, Over-the-Counter Credits)
• ⭐ Star Rating of Your Plan

You also want to confirm your Primary Care Providers and Specialist are in-network.

If you have questions or concerns, I'm here to help.

08/16/2025

07/08/2025

Claiming Social Security can be a complicated and daunting task. I can help you uncover the optimal claiming decision to ensure you receive every dollar you earned and are entitled to.

07/04/2025

07/03/2025

Just wrapped up the 2026 AHIP training program and ready to dive into individual carrier certifications. Getting geared up to serve clients and hit the ground running in the new plan year.