Lori Beach / Independent Insurance Broker

10/24/2024

📢 Now Hiring: Part-Time Assistant – Immediate Start!

I’m looking for a reliable, organized, multitasking, and computer-savvy part-time assistant with Excel worksheet experience to begin immediately, as Open Enrollment is just two weeks away. The first week will be in-office for training in Plano, followed by work-from-home inbound calls and tasks. Occasional in-person meetings (once or twice per week) will be required.

📌 Key Qualities:

*Exceptionally organized
*Able to multitask efficiently
*Trustworthy
*Customer service experience
*Computer savvy, with Excel worksheet experience

This is an ideal position for someone whose children are in school all day, as the hours are flexible during school time. Summers will also offer flexible hours outside of the open enrollment season. You’ll handle inbound calls, set appointments, and assist with online tasks for new and existing clients. Bonus: If interested, you can also obtain your Health & Life Insurance License with full training while earning part-time income. 💼

Perks:
*Hourly pay - 1099
*End-of-year bonus in March
*Opportunity for career growth

👉 Three references required. If interested, apply or tag someone who may be a great fit! Or email your resume to [email protected].

Call now to connect with business.

10/21/2024

26 Million Americans Are Without Health Insurance—And It Doesn’t Have to Be That Way.

It’s unbelievable that 26 million people in our country today are living without insurance. For many, it comes down to thinking, "It won't happen to me." But I’ve received fear-filled calls from people who once thought that way and needed help fast. Thankfully, I was able to find them affordable insurance options.

It’s heartbreaking to see people delay care or avoid annual check-ups because they feel they can’t afford it. But the truth is, we only get one life, and taking care of our health today helps ensure a healthier, longer future.

If you’re one of the millions without coverage, I’m here to help! There are often options available that might surprise you in terms of affordability. Many of my loyal clients were shocked by what they could afford when we took a close look at their options. Don’t wait until it’s too late—let’s make sure you have the coverage you need!

Click the link below to schedule a time to review your options:

https://calendly.com/loribeach/



Fact-checking note: The statistic that 26 million Americans are uninsured is supported by recent data from the U.S. Census Bureau and the Kaiser Family Foundation (KFF), with coverage gaps often due to affordability concerns and lack of awareness about available assistance.

Please follow the instructions to schedule an appointment. Thank you for the honor of being of service and I look forward to assisting you in enrolling in the best coverage that will meet your health needs and protect your resources.

10/19/2024

It's AEP Time! Changes Are Here—Don’t Miss Out! 💡📅

We're already well into the first week of Annual Enrollment Period (AEP), and wow, there are quite a few changes across almost every plan! Some plans have been discontinued, while others have added deductibles and raised out-of-pocket max benefits.

But here's a standout: Cigna has a plan in Tarrant County with an incredible $20,000 annual dental max and $125 over-the-counter benefits! Amazing, right? 🦷💊

Not all changes have been good, though, and in some cases, I’ve moved clients to better options because their plans were no longer in their favor. This is why it's so important not to let your policy auto-renew without a professional review.

👉 Doctors out of network? Medications costing more? A quick change in pharmacy or plan could save you money! Our broker tools allow us to check your doctors, prescriptions, and coverage saturation in your zip code—at no cost to you! We can even sort plans by the benefits that matter most to you.

Let’s chat! Schedule a time on my calendar here:

https://calendly.com/loribeach/

I’ll help you navigate these changes and make sure you’re on the best plan for 2025. 😊

Please follow the instructions to schedule an appointment. Thank you for the honor of being of service and I look forward to assisting you in enrolling in the best coverage that will meet your health needs and protect your resources.

10/19/2024

It’s Respiratory Virus Season—Let’s Stay Healthy! 🍂🤧

As fall rolls in, it’s important to protect ourselves and others from respiratory viruses like COVID-19, the flu, and RSV. Thousands of people are hospitalized each year due to these illnesses, so a little prevention can go a long way!

🩺 Protect yourself and others:

Get immunized: Flu shots, COVID-19 boosters, and RSV vaccines are available.

Practice good hygiene: Wash your hands regularly, cover your mouth when coughing, and sanitize common surfaces.

Clean air matters: Keep indoor spaces well-ventilated and use air purifiers if needed.

Know your risk: If you or your loved ones are at higher risk for severe illness, take extra precautions, including early treatment if you feel sick.

Seek healthcare promptly if you have symptoms—early testing and treatment can make a big difference!

Let’s all do our part to stay healthy and protect our communities this season. Take care, friends! 😊

10/14/2024

💡 Paying Too Much for Health Insurance? Let’s Chat! 💡

If your income is too high to qualify for an Advanced Premium Tax Credit on the Marketplace and are you're paying thousands for the coverage you need—OR if you relied on short-term medical plans (which are now limited to just 4 months)—I’ve got some great news for you!

👉 If you're relatively healthy and want to pay less without sacrificing copay benefits, let’s talk! Here’s what’s available:

Deductible options as low as $250, $500, or $750
Affordable premiums with copays for most on the plan
$1 million annual & $5 million lifetime coverage
Preventative wellness benefits included, as mandated by the ACA
Let’s get you covered without breaking the bank! Schedule an appointment today and be pleasantly surprised by what you can save:

https://calendly.com/loribeach

Please follow the instructions to schedule an appointment. Thank you for the honor of being of service and I look forward to assisting you in enrolling in the best coverage that will meet your health needs and protect your resources.

10/14/2024

WOW! Yesterday was such a recharge day for me—two whole books read, time in the sun, and relaxing in the hot tub. For those who know me well, you know I usually only get about 4-5 hours of sleep a night, so to get almost 8 hours was amazing! Feeling fantastic today, and it’s perfect timing because Medicare Open Enrollment starts tomorrow! Then, we roll right into Marketplace Open Enrollment on November 1st. This is my absolute favorite time of year because I get to catch up with all my wonderful clients and welcome the referrals that come in during AEP.

If you haven’t scheduled your appointment yet, don’t wait—click my Calendly link below and let's get you on the calendar. And if you know anyone who needs expert help, feel free to pass my number or Calendly link along.

Wishing everyone a fantastic Monday—I’m here for any questions you have about your insurance, so don't hesitate to reach out anytime!

Love to all! 💕

https://calendly.com/loribeach

10/11/2024

**Exciting News for DACA Recipients! 🎉**

Starting this year, DACA recipients are now eligible to enroll in health insurance through the Marketplace! 🏥💼 This is a huge step forward, giving Dreamers the opportunity to access affordable healthcare coverage for themselves and their families. 💙

If you or someone you know is a DACA recipient, it’s time to explore your options and get covered. I’m here to help guide you through the process and find the best plan to meet your health needs and budget. Feel free to reach out or schedule a time with me. Let’s make sure everyone has the coverage they deserve!



Schedule an appointment with my Calendar Link:

Please follow the instructions to schedule an appointment. Thank you for the honor of being of service and I look forward to assisting you in enrolling in the best coverage that will meet your health needs and protect your resources.

10/02/2024

It seems like this year has sped by in a blink! Unbelievably, Open Enrollment is just a few short weeks away. I love this time of year, as it allows me to connect with my clients and catch up. I always look forward to chatting with every single one of you. I am truly blessed by amazing conversations that energize me and grant me the chance to make a difference.

Important Dates to Remember:
OCTOBER 15 – DECEMBER 7
Medicare Annual Enrollment Period (AEP)
Be on the lookout for your ANOC (Annual Notice of Change)! We can start discussing plans with you beginning October 1, but no applications will be accepted until October 15. I’m currently reviewing all changes with each carrier, so please schedule your appointment for October 15th or after.

NOVEMBER 1 – JANUARY 15
Affordable Care Act Open Enrollment (dates may vary by state)
Apply between November 1 – December 15 for your plan to begin on January 1, 2025.
Apply between December 16 – January 15 for your plan to begin on February 1, 2025.

You may receive a renewal notice from your carrier, however, keep in mind that we still need to confirm income and networks for doctors, hospitals, and prescriptions. The plan year 2025 plans are not yet available to view, so I ask that you schedule a time for November 1st or after.

Thank you for the honor of being of service and I look forward to assisting you in enrolling in the best coverage that will meet your health needs and protect your resources. As always, take care, stay healthy, and be blessed!

To schedule an appointment with me, please click the following link:

👉

Please follow the instructions to schedule an appointment. Thank you for the honor of being of service and I look forward to assisting you in enrolling in the best coverage that will meet your health needs and protect your resources.

08/28/2024

🚨 Important Health Insurance Update 🚨

Starting September 1st, private health insurance will no longer be available for durations longer than three months, with only a one-month extension allowed. This might work for anyone needing short-term coverage, like filling a gap between employer plans, but it comes with serious downsides.

For those who don't qualify for an advanced premium tax credit on the Marketplace—especially larger families with higher incomes or individuals in their 50s and 60s approaching Medicare—the cost of health insurance is skyrocketing. For those with pre-existing conditions, serious health issues, or high-cost prescriptions, the Marketplace or employer's coverage may be the only viable option. However, for relatively healthy individuals, private health insurance with added ancillary products, has been a valuable and budget-friendly alternative.

Despite the severity of this change, it hasn’t been widely covered in the news. Many of my clients only learned about it through a phone call from me. We've been comparing Marketplace quotes with private three-year plans ahead of the deadline, and time is running out.

Just yesterday, I ran a Marketplace quote for a husband and wife in their early 60s to compare with options they still have until Friday. They didn’t qualify for an APTC, and honestly, the premiums were shocking—even after years of running quotes for clients. AND NO, after my assistance yesterday, they are not going to be paying more than their house mortgage for their health insurance.

Friday, August 30th, is the last day to make a decision. After that, your power of choice is gone. My team and I, licensed in almost every state, will be assisting clients until Friday night. Please, spread the word and share this post with anyone who might be affected.

Lastly, consider how the elimination of private health insurance in this economy impacts all of us. Our choices matter.

08/02/2024

Compare this RX plan with your health insurance for the best price on each of your prescriptions. It includes a comparison cost between Pharmacies as well. Every way we can save these days is a blessing.

07/26/2024

From training in the right rep range to using a weight that's challenging, trainers share 10 tips for building muscle with lighter weights.

06/28/2024

Americans are being treated for health conditions such as heart disease, cancer, and depression to the tune of $43 trillion a year. One doctor believes up t...