ClearPath Insurance, LLC

10/21/2025

When it comes to health plans, I love doing the heavy lifting! My goal is to dig up the perfect plan that meets all your needs. Making sure you're covered (and happy about it!) is what I do best. Send me a message anytime! 👋

10/18/2025

Ready to turn your health insurance needs into reality? I bring the sincere dedication and fun-loving energy needed to make the process enjoyable and successful. Let's create something awesome together! 🚀

We recognize that your needs and situation are unique. We spend the time to get to know you to make sure that you get coverage and support that fits your lifestyle.

10/16/2025

What if you or your spouse turns 65 and the other is still working? What are your options? 🧐 Did you know that Medicare doesn't consider COBRA to be "creditble" insurance coverage? What does that mean and how might it impact you?

It’s a surprisingly common dilemma: one spouse turns 65 and becomes eligible for Medicare, while the other is still too young to enroll. This age gap can throw a wrench into carefully planned retirement budgets, especially when the younger spouse has been covered by the older spouse’s employer-s...

10/08/2025

What happens on October 15th each year? The Annual Enrollment Period for Medicare Advantage opens. If you're on Medicare, this is your chance to review your coverage and make changes. You can also drop your Advantage plan and move over to a Medigap plan during this time period.
✨Reach out if you need help reviewing your coverage, network of providers, or prescription plan.
✨I am compensated by the insurance company, so you don't pay me anything for my services.

10/07/2025

Is your Medicare Advantage plan changing or being terminated? Maybe you should consider a Medigap plan instead. Medigap plans offer more predictible and lower out-of-pocket expenses for covered services.
⚡️You also need to purchase a prescription drug plan. Each company has it's own formulary and premium per plan.
⚡️Medigap doesn't cover dental, vision, or hearing - some people purchase additional insurance to cover these costs.
⚡️Medigap seems "expensive" to most people, but the annual costs are fairly similar if you have health issues.

09/29/2025

I can't tell you how often the topic of high dental costs comes up when I meet with clients. Do you know how many comprehensive dental services Medicare covers? 🦷👩‍⚕️🥼
💫I sell a plan where you get comprehensive coverage for $59.00 a month with no annual maximum limit.
💫 I love the company I work with for dental! They have a large national network, and excellent customer service.

09/15/2025

People often ask me how Medicare works if you hurt yourself or fall ill while you're on vacation. If you get hurt on vacation within the U.S., your Medicare coverage will generally follow you, though Medicare Advantage plan rules may apply (you'll have to pay out of network costs). If you get hurt outside the U.S., Medicare coverage is limited, and purchasing travel insurance is advised. There are a couple exceptions to the above, so it's always a smart idea to check your evidence of coverage ahead of time. 🚑🩺💊

Ah… the allure of vacation. A time to relax, recharge, and enjoy the fruits of your labor. Unfortunately, accidents can happen anywhere: a twisted ankle during a hike, food poisoning at a resort buffet, or a car accident in a foreign country. Instead of tropical umbrellas in your drink you might f...

09/05/2025

Are you on a Medicare Advantage plan? If so, please be sure to open and read the letter from your current insurance company. It usually arrives mid-September and details plan changes for the upcoming year. If you're one of my Connecticut clients, I'll be calling you early in October to customize your plan for 2026.

08/26/2025

It's not a one-size-fits-all situation, and the right choice depends on a variety of factors, including the size of your employer, your current health insurance plan, and whether you have a Health Savings Account (HSA).

If you’re working past 65, be sure you know when to sign up for . Most people with job-based health insurance through your (or your spouse’s) current job can wait to sign up until you (or your spouse) stop working, or until you lose your health insurance, whichever comes first. https://go.medicare.gov/3U4jNjn

08/03/2025

08/01/2025

We provide guidance and plans for all parts of Medicare (Parts A, B, C, and D), helping individuals understand their hospital, medical, prescription drug, and Medicare Advantage options to find the coverage that best fits their healthcare needs.

Supplemental Health and Life Coverage: Our offerings extend to specialized coverage like hospital indemnity insurance, which provides direct cash payments for hospital stays, as well as essential financial protection through term life insurance to secure your loved ones' future.

Essential Dental and More: Beyond major medical, we offer dental insurance plans to support oral health and a range of additional insurance products to address diverse needs, ensuring comprehensive protection for our clients.

07/16/2025

Let's talk about the things some people don't know about Medicare. It's not uncommon for me to talk to people and hear that they had assumptions about Medicare that weren't true. Let's clarify a few common misconceptions.