Valdez Financial + Insurance Solutions

08/17/2026

What are the options if your Medicare Supplement plan is getting too expensive?

In today's blog, we give you some options...

Blog posts relating to Medicare insurance, health insurance, life insurance, and small employer benefits.

08/06/2026

Open Enrollment for Medicare begins in 70 days on October 15.

You'll be able to sign up for a new Medicare Advantage plan, migrate to a Medicare Supplement Insurance plan, and/or sign up for a new Prescription Drug Plan.

So what do you need to do to be ready?

Evaluate!
- How has this year gone with my insurance?

- Approx. how much did I spend out-of-pocket?

- Has it been easy to get things approved/covered?

- How well have my meds been covered?

Learn!
- Look for "Annual Notice of Changes" from your insurance company in mid-September

- Work with your friendly neighborhood broker to determine what the options will look like for 2027

07/11/2026

If you look at your health plan benefits summary, some medical services may have a copay, and some may have coinsurance.

It's important to know the difference so that you can be better prepared when the bill comes. ✅

07/04/2026

It's officially our 250th birthday! 🇺🇲 How are you celebrating today?

07/02/2026

Navigating people through the Medicare maze is what we do best.

07/01/2026

GLP-1's are a category of medications that help aid in diabetes management and weight loss.

Medicare has never allowed it to be prescribed for *just* weight loss ...until now. 😮

06/24/2026

If you're looking at term life insurance in your 60s, you need to think about this 👇🏽

Term insurance is designed to "expire" after a set amount of time - often 20 years.

In your mid-60s, most companies will not issue you a 20 year policy due to your age. You can possibly get a 10-15 year policy that will likely expire before you do. 😳

So, do you buy a policy that you will likely outlive?
Or do you buy a permanent policy that will not expire?

One option is cheaper per dollar of coverage, but the other option won't leave your family empty-handed.

06/19/2026

They both start with "Medi" 🏥and they are both government health insurance programs - but they are not the same!

Video for educational purposes only. Both Medicare and Medi-Cal are highly nuanced programs and professional consultation is recommended.

For help with Medi-Cal, call 211 or visit your county's Health and Human Services agency.

For help with Medicare, please send a DM to schedule a no-cost consultation.

We do not offer every plan available in your area. Currently we represent 9 organizations which offer 50-100 products in your area. Please contact Medicare.gov, 1-800-MEDICARE, or your local State Health Insurance Program (SHIP) to get information on all your options.

06/10/2026

A complimentary gym membership makes staying in shape easier. If you're on Medicare and have ANY type of supplemental plan, there's a good chance you have access to one. 🏋️‍♀️

06/10/2026

No secret that Social Security is in trouble. If you want to get ahead of the curve and create a paycheck to supplement or replace Social Security, it is possible to do that using a 401(k) or IRA.

Send a Message for more info.

Social Security's retirement trust fund is now expected to be depleted in the fourth quarter of 2032.
https://fox5sandiego.com/news/social-security-retirement-fund-expected-to-fall-short-sooner-in-2032/