Kelli with Healthsavingsolutions

09/30/2026

As you may know, it’s almost time for Medicare’s annual enrollment period (AEP), a key opportunity to alter your Medicare health and prescription drug plans for the upcoming year. The Medicare AEP runs from October 15th to December 7th every year, making now a potentially advantageous time to review your current coverage and plan ahead for any changes next year.

Thinking about this now, before the period opens, can make the process easier and give you enough time to compare options and make an informed decision about your care. Swipe for a few areas to revisit as you prepare for the beginning of the AEP.

A little preparation now can make the process simpler and help you choose coverage that fits your needs. That said, if you’d like to go over your current plan, feel free to reach out. We are always here to help you carefully assess your needs so you can make an informed decision.

09/17/2026

📬 Keep an eye on your mailbox!

Your Medicare Annual Notice of Change (ANOC) should be arriving soon, and this is one piece of Medicare mail we DON'T want you to toss aside!

It will show you what is changing with your current plan for 2027 — things like copays, prescriptions, provider networks, dental, vision, OTC benefits and more.

❤️ Remember: AEP does NOT mean you automatically need to change plans. If you're happy with your plan and it continues to work for you, staying right where you are may be the best choice.

We’ll be hosting carrier-specific information sessions to help our members understand their 2027 changes. More details coming soon!

And when all those Medicare calls, commercials and mailers start coming your way — don't let the noise overwhelm you. Call us first. We're here to help.

📞 Health Saving Solutions | (336) 969-7978

09/10/2026

To my fellow local business owners and neighbors: during the month of August, I officially completed my annual independent broker certification! 🎓

Why do I head back to the classroom every single year?

Because local businesses face a rapidly changing landscape. From shifting state regulations to evolving commercial liabilities, you need an advisor who stays ahead of the curve. 📈

This year’s training focused heavily on advanced asset protection, risk management, and the latest cost-saving strategies for group health benefits.

As an independent broker, my fiduciary duty is to you—not the insurance carriers. I do the heavy lifting of studying the fine print so you can focus on running your business.

Thank you for trusting me to protect what you’ve built! 🤝

09/09/2026

If you or a loved one are navigating Medicare, you know how confusing the options can be. That is exactly why I just wrapped up my rigorous annual federal AHIP compliance testing and Medicare recertification! 📚

Medicare rules and plan benefits change every single year. By passing these strict annual exams, I ensure that our local seniors get:
* Protection from Scams: Full transparency and strict adherence to federal consumer protection laws.
* Maximum Benefits: Up-to-date knowledge on how to lower your prescription costs and find the right medical coverage.
* Unbiased Choices: As an independent broker, I don't work for one insurance company—I shop them all to find the perfect fit for your health needs and budget.

Serving those who built our community is the greatest honor of my career. If you ever have a question about your coverage, my door is always open to you and your family! 🏡

08/20/2026

🚨 Don’t hit snooze on your Annual Enrollment window! 🚨

It is easy to let benefits enrollment slide to the bottom of your to-do list, but treating it like an "auto-renew" subscription can be a costly mistake. Your health, your family, and your budget change every year—meaning your benefits should too! 💼✨

Why you need to review your options this year:

👉 Rates change: What was the cheapest plan last year might not be the best deal now.
👉 Formularies shift: Check if your regular prescriptions are still covered under the same tiers.
👉 Hidden perks: Look for new wellness incentives, mental health resources, or dental/vision upgrades.
👉 Tax savers: Adjust your HSA or FSA contributions to lower your taxable income.

Set a calendar reminder, gather your documents, and give your future self the gift of protection and savings. 🗓️💪

08/10/2026

08/10/2026

For many business owners, mid-year is a natural time to reflect on how the year has gone so far and start planning for a strong finish. One area to review during this time is employee benefits.

Reviewing your benefits offerings now gives you the opportunity to make thoughtful adjustments that support both your team and your long-term business goals. A proactive approach today can help position your business for success at year-end and beyond.

If you have not taken a fresh look at your benefits strategy this year, give us a call and let’s review your approach together. We are here to help you make informed, strategic decisions for the future.

08/06/2026

If you’re turning 65 soon and are unsure about what it means to enroll in Medicare, you are not alone. One of the most common questions we hear from those nearing retirement is around the timeline for signing up for Medicare.

So, we wanted to share a few important reminders to help you stay on track:

✅Know your enrollment window. Your initial enrollment window lasts for seven months — three months before your 65th birthday, your birthday month, and three months after your birthday. Enrolling early in this timeframe can help ensure your coverage begins right when you need it.

✅Understand how to sign up. Some individuals are automatically enrolled in Original Medicare, while others need to take action themselves to enroll in Original Medicare. This often depends on whether you are already receiving Social Security benefits.

✅Do not delay without a plan. Waiting too long to enroll without qualifying coverage can result in delayed coverage start dates and ongoing late-enrollment penalties.

✅Be aware of other options. If you are still working and covered under an employer plan, you may qualify for a Special Enrollment Period that can allow you to defer your enrollment. However, missing all enrollment windows can limit your options and increase costs, so it's best to clarify this early.

Medicare decisions can feel overwhelming, but you do not have to navigate them alone. Whether you are approaching 65 or are simply evaluating your options, contact us for guidance tailored to your situation.