Teresa Karam, Independent Insurance Agent Specializing In Medicare

8 Tips for Preventing and Coping with Osteoporosis

8 Tips for Preventing and Coping with Osteoporosis Osteoporosis, a condition characterized by weakened bones and increased fracture risk, is a significant concern, especially as we age. Maintaining bone health is crucial for preventing and managing osteoporosis, ensuring mobility, and enhancing the quality of life. These essential tips can help you....

Truly an honor to receive this award from the largest insurance company in the world 🌎 I was always taught that if you bring value to the marketplace, your clients will stick with you! This is living proof showing I always put my members FIRST 🙏🏼🙏🏼. Thank you to all my loyal clients who know I’m here for them year round & trust my knowledge in this crazy Medicare Maze.

Check out this article on MAPD plans.

Why Medicare Advantage Plans are Popular with Many Beneficiaries Medicare Advantage plans are becoming increasingly popular among beneficiaries for several compelling reasons. Here’s why more and more individuals like you are opting for Medicare Advantage.

Scams are getting more advanced these days, protect yourself and don't provide your personal information or Medicare number to anyone over the phone!

4 Things You Should Do to Protect Yourself From Medicare Scams Medicare scams are a growing concern, particularly for seniors who rely on Medicare for their healthcare needs. Scammers often target Medicare beneficiaries to steal their personal information, Medicare numbers, and even their money. However, by being informed and vigilant, you can protect yourself....

Always a pleasure treating some of my clients to an appreciation lunch! I absolutely love 💗 my career and helping seniors navigate the crazy Medicare Maze!!

Happy Easter!

2024 Medicare Drug Plan Updates

2024 Prescription Drug Update Medicare Prescription Drug coverage - Issuu The start of the new year in 2024 is bringing many changes to prescription coverage for those Medicare beneficiaries covered under either Medicare Advantage Prescription Drug Plans (MAPD), Medicare Advantage PPO plans and Stand-Alone prescription drug plans. I thought it would be timely to update th...

Few times for retirement...

Planning for Healthcare Costs in Retirement As you transition into retirement, it’s essential to consider how you will cover medical expenses, as healthcare costs tend to increase with age. A thorough complete plan can help to keep out-of-pocket expenses manageable and predictable so that you aren’t forced to dip into savings and disturb ...

Watch for These 10 Signs of Diabetes!

Watch for These 10 Signs of Diabetes Diabetes is a chronic medical condition that affects how your body processes glucose (sugar), leading to elevated blood sugar levels. Unfortunately, because of the high levels of sugar in the common American diet, insulin resistance is a common development that eventually leads to more than one mill...

Always a fun day when you can work and play at the safari zoo! Thanks, Blue shield and Silver sneakers for the Support . I had a blast. 💥 have any Medicare questions? Feel free to reach out I’m always happy to help.!!

Set up and ready to serve!

Always stay moving!

10 Exercise Tips for Seniors: Enhancing Health and Vitality As we age, maintaining an active lifestyle becomes increasingly important. Regular exercise can significantly enhance the quality of life for seniors by improving physical health, mental well-being, and social connections. Here are essential tips for seniors looking to embark on a fitness journey, t...

How to Reduce Your Odds of Liver Disease as You Age The liver, a resilient organ with a vital role in digestion and detoxification, plays a crucial part in maintaining overall health. Protecting this powerhouse organ is essential for a well-functioning body. Understanding the signs of liver disease and the reasons to prevent it can lead to a longer a...

Great article!

6 Health Resolutions for Those Over 65 The new year is in full swing, and many of us have set goals and resolutions to improve our health and well-being. For seniors, making health resolutions can be especially beneficial, helping to enhance their quality of life, maintain independence, and manage or prevent chronic conditions. Here are....

10 Tips That Can Help Seniors Achieve a Better Night's Rest A good night’s sleep is vital for overall health and well-being. However, those over 65 often face unique sleep challenges that can impact the quality and duration of their rest. To ensure you enjoy restful nights and wake up feeling refreshed, here are some tailored sleep hygiene tips:

New article on Pard D plans..

Medicare Part D Plans: Assessing for Optimal Coverage Based on Your Needs For Medicare beneficiaries who have chosen Original Medicare (Part A and Part B), Medicare Part D plays a crucial role in providing coverage for prescription medications. As healthcare needs evolve, it’s essential to regularly assess your Part D coverage and consider whether switching to a differe...

Scams to keep an eye out for!

Watch Out for These Common Medicare Scams Enrolling in Medicare can be complicated enough. Unfortunately, scammers and unethical brokers sometimes make the process even more difficult. Watch out for these common signs of a Medicare scam, not just during enrollment season but all year long.

What are Medicare Star Ratings? Read more..

Decoding Medicare Advantage Plan Star Ratings Navigating the realm of Medicare Advantage plans can be complex, but understanding Medicare Star Ratings provides a valuable tool for beneficiaries aiming to evaluate and select the highest-quality plans. These ratings offer a comprehensive assessment of plan performance, encompassing various aspect...

Have you tried this? It maybe time to explore your Eastern Medicine options.

Holistic Pain Management for Medicare Beneficiaries As we get older, chronic pain from various health conditions or old, inflamed injuries often becomes a prevalent concern. While medications play a vital role in pain management, holistic approaches that extend beyond pharmaceutical interventions can offer you a more comprehensive and sustainable sol...

Stay healthy!

Staying Safe and Healthy When the Weather Turns Cold Now that autumn is in full swing, and winter isn’t far behind, cooler weather has arrived. You know what that means: Cold and flu season has begun, along with the other health and safety risks that come along with cold weather. These tips can help you stay safe, particularly if you plan to travel ...

2024 Medicare Parts A & B Premiums and Deductibles
There have been increases across the board, please read..

2024 Medicare Parts A & B Premiums and Deductibles | CMS 2024 Medicare Part D Income-Related Monthly Adjustment Amounts

Are you in San Diego losing your SCRIPPS doctors?
Contact me today for guidance on this huge disruption, I can help!

Managing Your Conditions

Managing Chronic Conditions in Your Golden Years As we age into our golden years, managing chronic health conditions becomes increasingly important for maintaining a good quality of life. Chronic conditions like diabetes, arthritis, hypertension, and others can be challenging, but with proactive measures and the right approach, you can lead a fulf...

Wondering how Medicare Enrollment Periods work?
Check this article out...

Enrollment Periods for Medicare: What You Need to Know Medicare’s Annual Enrollment Period is underway now! However, it’s not the only enrollment period that you need to be aware of as a Medicare beneficiary. Understanding the various enrollment periods associated with Medicare is crucial to ensure you can access the coverage you need at the right t...

Less then 24 hours and you can make a Medicare health plan change with me, your local Medicare Specialist 😊

Health plans change annually, as do the costs, doctors, medications and extra benefits 🦷👓🏋🏻‍♀️

I represent 12 different insurance companies and have a plan to fit your specific health & financial needs ℹ️

Reach to for a one on one appointment at NO COST TO YOU or stop by one of my seminars across southern Cali, from Long Beach to San Diego

Tk4ins.com | 📧 [email protected]
📲949.812.5605 | Lic #: 0I941

Managing Chronic Conditions in Retirement: Leveraging Medicare Options

Managing Chronic Conditions in Retirement: Leveraging Medicare Options Retirement is a phase of life that many look forward to—a time of relaxation, enjoyment, and pursuing personal interests. However, as individuals age, the likelihood of facing chronic health conditions increases. The good news is that Medicare, the federal health insurance program for beneficiarie...

Great turn out at the senior expo today with my sissy!! Getting ready for open enrollment that starts in less than 30 days!!

Oct 15th-Dec 7th
It’s time to review your Medicare health plan! Feel free to reach out to me with any questions and for a NO COST review 

Making Medicare easy for you 💥

If you think you may qualify for extra help, please check out this article or contact me direct for assistance.

Medicare Savings Programs: Providing Financial Assistance for Eligible Beneficiaries As you transition into your retirement years, healthcare costs can become a significant concern. Medicare, while offering crucial coverage, may not cover all expenses, leaving some of you feeling burdened by out-of-pocket costs. However, there’s good news: Medicare Savings Programs (MSPs) exist to...

Check out this article if you're still working past 65! Feel free to contact me directly with any questions, I'm happy to help.

Medicare vs Group Health Insurance: When You're Still Working at Age 65 We tend to think of Medicare as “health insurance for retired people”, but that isn’t always the case. Many people are still working when they reach age 65 and become eligible to enroll in Medicare, or they have a spouse who is still working and covered by a group healthcare plan. You might st...

Spent all week learning about ALL the new Medicare changes, plans & rules for 2024! Had to mix a bit of fun 🤩 in as well with my new crew and old friends!

‼️‼️Annual Enrollment ‼️‼️starts Oct 15th & it’s going to be a crazy year. There are so many plan changes, medical 🏥 group changes & more, so get ready!

Be sure to reach out to me for a no obligation plan review ~>📲📞 949.812.5605 or
📧 [email protected]
Website: tk4ins.com to learn more !