Zimmer & Associates

Call Directions Website Contact the business

Zimmer & Associates We are a small, family-owned insurance agency in Reese, MI. Call or message us for a free consultation.

We help with Medicare, life, health, dental, and retirement planning—offering real support and honest advice from people you can trust.

Employers are looking for more flexible ways to offer health benefits and an ICHRA may be one option worth evaluating.An...
10/08/2026

Employers are looking for more flexible ways to offer health benefits and an ICHRA may be one option worth evaluating.

An Individual Coverage Health Reimbursement Arrangement can allow an employer to set a defined contribution while giving eligible employees more flexibility to choose individual health coverage that fits their needs.

ICHRAs may be worth considering for employers with different employee classes, multiple locations, or a desire to explore alternatives to one traditional group health plan.

They also involve important design, notice, affordability, and administration requirements. The details matter.

Read the full article:
https://zimmer.agency/2026/10/08/ichras-flexible-health-benefit-options-for-employers/

If you are a Michigan employer considering more flexible benefit options, call Zimmer & Associates at 989-868-4291 or visit zimmer.agency.

10/01/2026

Annual Enrollment is here!
October 15 – December 7 is your chance to review your Medicare coverage for 2027.
Plans can change each year, including costs, benefits, prescriptions and provider networks. We are happy
to help you review your current plan and compare your options.

Know someone who is approaching Medicare? If you find our Medicare posts helpful, please help us reach more people in ou...
09/15/2026

Know someone who is approaching Medicare?

If you find our Medicare posts helpful, please help us reach more people in our community.

1.)Visit the Zimmer & Associates page
2.)tap the three dots
3.)choose Invite friends
4.) Select all
5.) Send invites

Thank you for helping us share useful Medicare education with more people!

Did you know your prescription coverage can change from one plan year to the next? A medication that was covered last ye...
09/14/2026

Did you know your prescription coverage can change from one plan year to the next?

A medication that was covered last year may have different:

- Copays or coinsurance
- Coverage rules
- Pharmacy network
- Formulary placement
- Prior-authorization requirements

That is why reviewing your prescriptions each year is so important. A careful review can help you understand how your current medications fit with your plan’s updated details.

If you have questions about Medicare prescription coverage, Zimmer & Associates can help you review your options.

Running a small business in Michigan often means balancing employee needs with a careful budget. Group health insurance ...
09/13/2026

Running a small business in Michigan often means balancing employee needs with a careful budget.

Group health insurance is one option employers may review as they build or improve their benefits package. The right approach depends on several factors, including:

- Number of employees
- Employee eligibility
- Hours worked
- Plan design
- Provider networks
- Employer contribution
- Employee participation
- Prescription coverage

There is no one-size-fits-all plan or price. An accurate employee census and a clear review of your goals are good places to start.

Zimmer & Associates helps Michigan employers review group health insurance and supporting benefits such as dental, vision, life, and disability coverage.

Medicare questions often come up as people approach 65, retire, or review their current coverage.Kay is available for a...
09/09/2026

Medicare questions often come up as people approach 65, retire, or review their current coverage.

Kay is available for a NO COST consultation to help explain Medicare options, enrollment timing, prescription coverage, and related questions.

If you’re unsure where to begin, Kay is happy to help you understand your options.

Medicare options and plan availability vary by individual circumstances and service area.

At 65, “Bob” thought he had Medicare figured out.His neighbor told him, “Just pick a plan online. They’re all basically ...
09/01/2026

At 65, “Bob” thought he had Medicare figured out.

His neighbor told him, “Just pick a plan online. They’re all basically the same.”

So Bob followed that advice.

A few months later, he received medical bills he wasn’t expecting. The plan he chose didn’t fit the doctors he wanted to see, and the out-of-pocket costs were much higher than he anticipated.

The lesson isn’t that Bob should have known everything about Medicare.

The lesson is that Medicare decisions are personal and advice that worked for your neighbor may not work for you.

Before turning 65, take time to review your options with someone who understands Medicare and can help you evaluate your specific situation.

Stop in and see Kay for professional Medicare guidance.

989-868-4291
zimmer.agency

Small business owners: your benefits strategy does not have to be complicated to be valuable.The right employee-benefits...
08/31/2026

Small business owners: your benefits strategy does not have to be complicated to be valuable.

The right employee-benefits plan can help you:

Support the people who help your business run
Stay competitive when hiring
Make costs easier to understand
Build a benefits package that fits your actual business not someone else’s

There is no one-size-fits-all solution. The right approach depends on your team, budget, goals, and available options.

If you have questions about group health or employee benefits, Zimmer & Associates can help you understand the possibilities.

Visit zimmer.agency or call 989-868-4291 to start a conversation.

Did you know some very small businesses may have group health-plan options?Depending on the business and carrier require...
08/27/2026

Did you know some very small businesses may have group health-plan options?

Depending on the business and carrier requirements, eligible one-person businesses and husband-and-wife businesses may be able to explore group coverage options.

A group plan may offer:

- Different plan designs than individual coverage
- More flexibility when comparing options
- Potentially different pricing than individual plans
- A path to build benefits around the business, not just one person’s situation

The right answer depends on the business structure, eligibility, carrier availability, and the people covered.

If you own a small business and want to understand what may be available, let’s start with a conversation.

Back-to-school season is here and so is a good time to ask questions and learn!As families get back into their school-ye...
08/24/2026

Back-to-school season is here and so is a good time to ask questions and learn!

As families get back into their school-year routines, we want to make sure the information we share is actually useful.

What insurance topic would you like us to explain in plain English?

Vote in the poll below, and we’ll use the results to plan upcoming educational posts and videos.

It can be as general or detailed as you would like!

Address

9839 Saginaw Street
Reese, MI
48757

Opening Hours

Monday 8:30am - 4:30pm
Tuesday 8:30am - 4:30pm
Wednesday 8:30am - 4:30pm
Thursday 8:30am - 4:30pm
Friday 8:30am - 4:30pm

Telephone

+19898684291

Website

Alerts

Be the first to know and let us send you an email when Zimmer & Associates posts news and promotions. Your email address will not be used for any other purpose, and you can unsubscribe at any time.

Contact The Business

Send a message to Zimmer & Associates:

Shortcuts

Share

Category