Lorna Kelley Insurance

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Lorna Kelley Insurance

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We've helped thousands of people in Virginia understand their Medicare Benefits. Call 804-617-3515.

10/15/2026

Fall has a way of sneaking up on us. Between the cooler temperatures and the shorter daylight hours, so many things are beginning to change this time of year. But one thing that will never change is that we are always here for you.

Whatever questions or needs come up this fall, we are right here. Give us a call anytime. We are always happy to help.

10/13/2026

Understanding how to find in-network doctors with your Medicare plan can help you avoid unexpected costs and make the most of your healthcare coverage. Swipe for a few important steps to help you find providers that work with your Medicare plan.

If you have questions about your Medicare coverage, provider networks, or choosing a plan that fits your needs, contact us today. We're here to help you navigate Medicare with confidence.

10/08/2026

Nearly nine out of 10 adults struggle with health literacy at some point — an unsurprising statistic given how confusing many health-related documents can be.

This Health Literacy Month, we’re helping bridge this common knowledge gap by providing an overview of three key documents.

Have more detailed questions about your health coverage or benefits? Reach out today, and we will help you make sense of it.

10/06/2026

Understanding Medicare is one thing, but knowing how to make the most of your benefits is another. If you're enrolled in Medicare or preparing to use your coverage for the first time, swipe through for some important ways to maximize your benefits and avoid common mistakes.

If you have questions about your Medicare coverage or would like help reviewing your options, contact us today. We're here to help you make confident, informed Medicare decisions.

10/01/2026

October is Breast Cancer Awareness Month, making it the perfect time to review a few key facts and statistics about early screening. Breast cancer remains one of the most common cancers in the U.S., and early detection through routine screenings can make a meaningful difference.

Swipe for a few important facts and statistics to keep in mind.

As a reminder, many health insurance plans cover preventive screenings at little or no cost, making it easier to take an active role in your health. And, if you're not sure whether your plan covers preventive breast cancer screenings, our team is happy to help. Please do not hesitate to reach out with any questions.

09/24/2026

Life insurance beneficiary designations matter more than many people realize. They help make sure your benefits are passed along exactly the way you intend—and they’re not something to set and forget.

Our team at Lorna Kelley Insurance encourages clients across Midlothian, Richmond, and Central Virginia to revisit these details from time to time, especially as life changes.

Swipe through to learn a few quick reminders about keeping your beneficiary information up to date.

If you’d like help reviewing your current life insurance policies or making updates, we’re here to make the process simple. Reach out anytime.

09/23/2026

Choosing the right health insurance plan can have a big impact on your budget and your peace of mind. A high-deductible health plan may lower your monthly costs, but it isn’t the best fit for everyone.

Our team at Lorna Kelley Insurance helps families and individuals across Midlothian, Richmond, Chesterfield, and Powhatan understand their options so they can choose coverage that truly fits their needs.

Not sure which direction to go with your health insurance? Reach out to us anytime — we’re here to walk through your choices and answer your questions.

09/15/2026

Medicare Annual Enrollment begins October 15th, which means now is the time to watch for an important document from your current Medicare Advantage or Part D plan: your Annual Notice of Change (ANOC)

Typically mailed in September, and no later than September 30th, your ANOC outlines any updates that may take effect on January 1st. Even if you’ve been happy with your current coverage, reviewing these changes carefully can help you avoid unexpected costs or coverage gaps in the year ahead.

Your ANOC may include updates to:

✅ Monthly premiums and other out-of-pocket expenses.
✅ Prescription drug coverage and formularies.
✅ Doctor, hospital, and pharmacy networks.
✅ Copays, deductibles, and additional plan benefits.

Small plan changes can make a significant difference in your health care costs and provider access. Taking time to review your ANOC now can help you make more informed decisions during Medicare Annual Enrollment.

If you would like help understanding your plan changes or comparing your Medicare options before enrollment begins, contact us anytime. We are here to help you review your coverage and find a plan that fits your needs for 2027.

09/10/2026

Have you heard of term life insurance and are wondering if it might be right for you? Term life coverage is designed to provide a financial benefit to your chosen beneficiaries if you pass away during a selected coverage period, often 10, 20, or 30 years.

Here are a few reasons many people choose this type of coverage:

🔹It can be a good fit during life’s busiest financial years, when others may be relying on your income the most.

🔹Coverage may be more affordable when purchased earlier, as premiums are often based on factors such as age and health.

🔹You can choose coverage that aligns with your goals, like paying off a mortgage, supporting children through college, or preparing for retirement.

🔹It can provide protection at a lower cost, allowing individuals to obtain higher coverage amounts for a lower premium.

🔹 Some policies offer flexibility for the future, with options to convert to permanent life insurance later on.

If you’d like to explore coverage options or see what a policy may look like for your situation, feel free to reach out. We’d be happy to answer questions or put together a quote for you.

09/07/2026

We wish each of you a wonderful Labor Day! During this annual celebration of hard work, may you enjoy a well-deserved, restful break.

Please note that our office will be closed on Monday, September 7th, in observance of the holiday, and will reopen on Tuesday, September 8th.

Address

Richmond, VA
23113

Telephone

+18046173515

Website

http://LornaKelleyInsurance.com/

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