Tristate Health Insurance Choices By Ginny

01/27/2026

Check out what services we offer.

Internet. Energy. Wireless.What if we told you these essential services could be a step to building the life you’d love to live?

01/20/2026

Keeping your family covered with the right insurance isn’t just a financial decision, it’s an act of love.

Life is full of surprises, and not all of them are good ones. The right insurance gives your family a safety net when the unexpected happens. It means medical bills won’t become a crisis, a loss of income won’t turn into a loss of stability, and your loved ones won’t have to carry the weight alone.

When you choose the right coverage, you’re really choosing peace of mind. You’re saying, “No matter what comes our way, my family is protected.” It’s about being able to sleep at night knowing that if life throws a curveball, you’ve already prepared for it.

Protecting your family isn’t just about today, it’s about tomorrow, too. The right insurance helps make sure their future stays bright, secure, and full of possibility.

01/17/2026

Discover the magic of working from home while truly relishing life! 🏡💼 Whether it's cozy mornings with a cup of coffee or spontaneous family moments, find joy in the little things. Remember, every day is a precious opportunity to embrace happiness and live life to the fullest! 🌟

01/15/2026

Say Good Bye to Rising Healthcare Costs.

And HELLO to affordable, high-quality care that prioritizes your well-being and empowers you to take control of your health-care journey.

01/01/2026

12/07/2025

The Ripple Effect of Kindness and Positivity
Kindness tends to spread. When you choose to act with warmth and care, it often inspires the people around you to do the same. This creates a ripple effect: one small act can lead to many more. Over time, that ripple can transform your surroundings, relationships, and even your own mindset toward hope, empathy, and peace.
And when you combine that with a gentle, calm Sunday, a time to rest, reflect, and rejuvenate, you set yourself up to approach the coming week with kindness, clarity, and positivity.

11/26/2025

So far, here are the rates. Some are so very unaffordable, and I'm not sure how some folks are gonna make it next year.

Health Insurance Marketplace, the significant increases from 2025 to 2026 so far:

$135 to $532
$1022 to $3017
$1500 to $3074
$107 to $258
$1535 to $2461
$75 to $237
$380 to $640
$492 to $1709
$14 to $214
$88 to $223
$199 to $547
$1926 to $2507
$456 to $597
$64 to $654
$417 to $700
$279 to $320
$332 to $516
$304 to $1614

Their reason, I have read, is that they are finally ending COVID on Dec. 31st, 2025. I thought COVID had ended already? Guess not. Sure hope this changes, but one can only hope. :(

11/24/2025

Medicare Enrollment Checklist at 65

Step 1: Know Your Initial Enrollment Period (IEP)

Starts 3 months before your 65th birthday

Includes the month you turn 65

Ends 3 months after your birthday month (7 months total)

Tip: Enroll early to avoid gaps or penalties.

Step 2: Decide Which Parts You Need

Part A (Hospital Insurance) – usually free

Part B (Medical Insurance) – optional, but highly recommended

Part C (Medicare Advantage) – combines A & B, may include extra benefits.

Part D (Prescription Drug Plan) – covers medications.

Medigap (Supplemental Insurance) – optional, helps cover copays/deductible.s

Step 3: Check If You Can Delay Part B

If you or your spouse is still working and has employer coverage, you may delay Part B without penalty.

Keep your employer's documentation to avoid late enrollment fines.

Step 4: Enroll

Online: https://www.planenroll.com/?purl=WjQf5AYq

Phone: 1-928-662-5808

Tip: You can enroll in Parts A & B at the same time. Part D and Medigap are purchased separately from private insurers.

Step 5: Compare Plans

Look at Medicare Advantage and Part D plans in your area:

Costs (premiums, deductibles, copays)

Coverage (medications, doctors, hospitals)

Extra benefits (dental, vision, hearing)

Step 6: Avoid Late Penalties

Part B: Penalty is 10% for each 12 months you delay without qualifying coverage.

Part D: Penalty if you go 63+ days without creditable drug coverage.

Step 7: Keep Records

Save enrollment confirmations, plan documents, and any employer letters proving coverage.

Step 8: Review Annually

Every year during Open Enrollment (Oct 15 – Dec 7):

Compare plans for better costs or coverage changes.

Make changes if needed