Filliccia Insurance Agency

Filliccia Insurance Agency We are a one-stop, no cost shop for every Health Insurance need.

From self-employed individuals who purchase their own Health Insurance to employer based group benefits to Medicare plans, we're licensed & certified with every reliable carrier in Michigan. The Filliccia Insurance Agency is a Michigan based insurance agency serving every county in Michigan, since 2009. We are a no cost service to our clients, representing every reliable health insurance carrier i

n Michigan; offering individual/family coverage, both through the Health Insurance Marketplace and off-exchange. Our agency will personally fit you into something that will accommodate your financial budget while serving your health care needs. We also provide the very best Medicare products in the state to our seniors and supply group/employer coverage for your business.

⛳️ Registration is OFFICIALLY OPEN!The 2026 Annual Charity Golf Outing benefiting Love For A Child (a charity dear to ou...
03/24/2026

⛳️ Registration is OFFICIALLY OPEN!

The 2026 Annual Charity Golf Outing benefiting Love For A Child (a charity dear to our hearts) is here and we’ve got some BIG surprises in store this year… including multiple hole-in-one opportunities and an even better overall experience from start to finish!

If you’re planning to golf, please DO NOT wait to sign up. We sold out two months early last year and had to turn away several people.

👉 Secure your spot now:

https://custom-filliccia-insurance-agencies-golf-outing.perfectgolfevent.com/

Let’s make 2026 the biggest and best outing yet! 🔥⛳️

While the House passed a bill to extend the ACA subsidies with bipartisan support, it faces an uncertain path in the Sen...
01/09/2026

While the House passed a bill to extend the ACA subsidies with bipartisan support, it faces an uncertain path in the Senate. The Senate is unlikely to approve it, though more clarity is expected next week.

Our clients have been prepared for this outcome, and more clarity is expected next week, with some hope for revisions that could provide financial relief.

⏰ Medicare Reminder: The Annual Enrollment Period ends December 7th!If you haven’t reviewed your Medicare plan for 2026,...
12/03/2025

⏰ Medicare Reminder: The Annual Enrollment Period ends December 7th!

If you haven’t reviewed your Medicare plan for 2026, now is the time. Networks, prescriptions, premiums, and benefits can change each year, and you’ll want to ensure your doctors, medications, and pharmacy are still covered.

Our office provides full-service, no-cost Medicare plan reviews. We’ll check your doctors, prescriptions, and coverage details, compare available plans, guide you through the enrollment process, and continue serving you throughout the year to make sure you stay protected.

📞 Don’t wait until the last minute. Contact us today for a coverage review at 248-537-4040.

The Medicare Annual Enrollment Period (AEP) ends in three weeks.Contact us at 248-537-4040.
11/15/2025

The Medicare Annual Enrollment Period (AEP) ends in three weeks.

Contact us at 248-537-4040.

The Medicare Annual Enrollment Period begins today.BCBSM and BCN have made substantial changes to their Medicare Advanta...
10/15/2025

The Medicare Annual Enrollment Period begins today.

BCBSM and BCN have made substantial changes to their Medicare Advantage plans in 2026, including reduced benefits, increased premiums, and in some cases, discontinued plans.

If you are enrolled in one of these plans, it’s important to review your Medicare options during AEP to ensure you have the right coverage in place next year.

Over the coming weeks, we’ve extended our office hours and will also be available on weekends. For assistance, please contact us at 248-537-4040.

The Medicare Annual Election Period is one month away! Review your plan, check your doctors and prescriptions, and explo...
09/15/2025

The Medicare Annual Election Period is one month away!

Review your plan, check your doctors and prescriptions, and explore extra benefits. This is your opportunity to ensure your Medicare coverage is working for you in the year ahead.

Contact our team at 248-537-4040.

Health insurance premiums in Michigan are set to rise sharply in 2026. Nearly 950,000 Michiganders could see double-digi...
07/15/2025

Health insurance premiums in Michigan are set to rise sharply in 2026. Nearly 950,000 Michiganders could see double-digit increases, with individual plans averaging a 16.8% hike and small group plans averaging 11.1%. These increases are higher than those approved for 2025.

Blue Cross Blue Shield of Michigan (the state’s largest insurer) is requesting:

18.2% increase for individual market plans
11.2%–12.4% increase for small group HMO plans

These hikes come despite the insurer dropping coverage for GLP-1 weight-loss drugs (like Wegovy and Mounjaro) for non-diabetics and reporting a $1.7 billion underwriting loss in 2024.

Priority Health seeks:

14.4% increase for individual plans
9.7% increase for small group plans

Citing rising healthcare use, prescription costs, and behavioral health services

Additionally, federal subsidies that had helped lower premiums for many will expire at the end of 2025. Without them, individuals earning over 400% of the poverty level will pay full premium prices starting in 2026.

06/03/2025

🏛️ CMS Proposed Rule: Marketplace Integrity and Affordability

CMS has introduced a sweeping new proposed rule titled the "Marketplace Integrity and Affordability Proposed Rule", with the goal of strengthening oversight, preventing misuse, and improving plan value under the ACA. Some changes may take effect as early as late 2025, with full implementation expected in 2026.

These changes significantly impact:
• Special Enrollment Periods (SEPs)
• Documentation requirements
• Auto-renewal processes
• Agent conduct standards

🔟 Key Changes to Know:

❌ End of Year-Round Low-Income SEP
• The ongoing SEP for individuals under 150% of the Federal Poverty Level (FPL) is being eliminated.
• Enrollments outside OEP will now require a qualifying life event.

📆 Open Enrollment Ends Earlier
• OEP will now close on December 15, not January 15.
• Clients must enroll earlier to ensure coverage by January 1.

📄 SEP Documentation Required Upfront
• Verification must be submitted before coverage starts.
• Failure to provide documentation may delay or deny enrollment.

⏱️ Proof of Income: 90-Day Limit
• Applicants now have 90 days to verify income — with no extensions.
• Missed deadlines will result in loss of subsidies.

🧾 Must File Taxes or Lose APTC
• Clients must file a tax return every year to reconcile their Advanced Premium Tax Credit (APTC) — even with $0 income.
• Missing this step will disqualify them from subsidies the following year.

💸 $5 Minimum Premium for Auto-Renewals
• Fully subsidized ($0 premium) clients will be charged a $5 monthly bill if they auto-renew without updating their information.
• Intended to prevent “ghost enrollments.”

🚨 Agents Can Be Suspended Immediately
• CMS can suspend agents or brokers for suspected misconduct before a full investigation is complete.
• Stronger compliance enforcement is on the horizon.

📈 Silver Plans Will Improve
• Actuarial value (AV) of Silver plans will increase.
• Expect lower deductibles and copays for Silver plan holders starting in 2026.

🛑 DACA Recipients Will Lose ACA Eligibility
• Reverses the 2024 policy that granted ACA access to DACA recipients.
• DACA status will no longer qualify individuals for Marketplace coverage.

⚠️ Gender-Affirming Care May Be Excluded
• Starting in 2026, federal rules will no longer require Marketplace plans to cover gender-affirming care.
• Coverage will depend on state policy and insurers.

✅ What to Do Now
• Agents: Review compliance training, document thoroughly, and prepare clients for earlier deadlines.
• Consumers: Plan ahead, keep income/tax paperwork ready, and stay alert for notices from your agent.
• Stakeholders: Monitor for final rulemaking updates and state-level responses.

For more information, please feel free to contact us at 248-537-4040.

HAP's Medicare Advantage plans have received high ratings from the Centers for Medicare & Medicaid Services (CMS), with ...
05/13/2025

HAP's Medicare Advantage plans have received high ratings from the Centers for Medicare & Medicaid Services (CMS), with both HMO and PPO plans earning 4.5 out of 5 stars. This recognition reflects HAP's commitment to quality care and member satisfaction.

To learn more, please feel free to contact us at 248-537-4040.

Have you recently had a baby, gotten married, or lost coverage at work? If so, it might be the perfect time to consider ...
03/16/2025

Have you recently had a baby, gotten married, or lost coverage at work? If so, it might be the perfect time to consider Priority Health.

As a certified and licensed agent, we can help you find a MyPriority plan that fits your unique lifestyle and show you ways to save on coverage costs.

Feel free to reach out if you’d like to explore your options or if you have any questions. We're here to help you navigate the process and find the best plan for your needs.

Medicare Scam Awareness: Unfortunately, scams targeting Medicare beneficiaries are becoming increasingly common. It's cr...
03/04/2025

Medicare Scam Awareness: Unfortunately, scams targeting Medicare beneficiaries are becoming increasingly common. It's crucial to avoid sharing personal or sensitive information with unknown callers. Below are some common scams and red flags to watch for:

Unsolicited Calls Claiming to Be Medicare Agents

🚫 A phone call from someone claiming to be from Medicare, requesting personal information.
👉 Medicare will never call unless you’ve requested it. Always verify before providing any details.

Offers for Free Medical Equipment or Services

🚫 A caller or salesperson offers "free" items like braces, wheelchairs, or tests in exchange for your Medicare number.
👉 If it sounds too good to be true, it probably is. Only healthcare providers can prescribe services and equipment.

Medicare Plan Upgrades

🚫 Scammers call claiming that a new Medicare card is needed or that you must switch to a new plan or upgrade.
👉 Medicare doesn’t require new cards annually. Any plan changes should be verified with your trusted agent.

Door-to-Door Salespeople Offering Medicare Plans

🚫 Someone shows up uninvited at your home to discuss Medicare options.
👉 Medicare agents cannot cold-call or visit without prior permission. If this happens, it’s likely a scam.

Phishing Emails & Misleading Websites

🚫 Emails or websites claiming to be from Medicare asking for personal information.
👉 Only visit official websites like Medicare.gov or your carrier’s verified site. If the URL looks suspicious or the message contains typos, it’s likely a scam.

Best Practices to Protect Yourself

✅ Guard your Medicare number: Treat it like a credit card—only share it with trusted healthcare providers and verified agents.

✅ Review Medicare statements carefully: Always check your Medicare Summary Notice (MSN) or Explanation of Benefits (EOB) for any suspicious charges.

✅ Report suspicious activity: If you suspect fraud, immediately call 1-800-MEDICARE (1-800-633-4227) or notify your plan provider.

✅ Never share personal information over the phone: If in doubt, hang up and contact your agent directly.

✅ Consult your trusted Medicare agent: Always reach out to your trusted agent before making any Medicare decisions or sharing personal information.

By staying informed and cautious, you can protect yourself from falling victim to these scams. Feel free to share this information with others, and don’t hesitate to contact us if you have any questions... (248) 537-4040.

Address

50551 Van D**e Avenue
Shelby Township, MI
48317

Opening Hours

Monday 9am - 5pm
Tuesday 9am - 5pm
Wednesday 9am - 5pm
Thursday 9am - 5pm
Friday 9am - 5pm

Telephone

+12485374040

Website

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