Mac's Benefits

Honoring our heros that have fought for our freedoms. Freedom is never Free.

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Learn more about tax strategies that could save money in your retirement account.
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As we prepare to celebrate the Christmas holiday, we want to share how grateful we are for this wonderful community's continued trust and support.

We hope your holiday season is filled with joy, warmth, and moments with the ones you love most. On that note, we’d love to know - what is your favorite Christmas tradition? Share below in the comments ⬇️

What better way to get holly jolly this season than decorating your home with holiday cheer? 🎅

Swipe through for some ideas and if you celebrate, let us know in the comments how you decorate your home for Christmas!🎁✨

⚠️ Just a friendly reminder that Monday, January 15, marks the final day of ACA Open Enrollment for 2024 coverage. ⏳

If you haven't had a chance to review your coverage or have any questions about the changes you've made, don't worry! Give us a call today, and we'll be more than happy to assist you.

All set with health coverage? Share this post to send a friendly reminder about open enrollment with others in your network!

Did you know that 99.9% of businesses in the U.S. are small businesses? While the spotlight often falls on large corporations, the reality is that small businesses drive our economy in a big way 💪

Whether you're looking to get a head start on your holiday shopping or simply want to make a positive impact in your local community, here are five ways to support your favorite small businesses.

Tag or link your favorite small businesses in the comments, and let’s get a running list going! ⤵️

Sending warm wishes your way as Thanksgiving approaches! Whether you're surrounded by a crowd or just a cozy few, we hope your holiday is full of joy and good health 🦃
Enjoy a fantastic Thanksgiving! 🍁

Medicare premiums can add up, but we’re here to help you find the best options – and share cost-saving tips of the trade 💰 Take a look at a few of them below!

🩺 Enroll on time: Some parts of Medicare have late enrollment penalties. You may have to pay extra for your monthly premium if you don’t enroll when you’re first eligible.

🩺 Find out if you’re eligible for (and taking advantage of) premium-free Part A: Most people don’t pay a monthly Part A premium because they’ve paid Medicare taxes for 10+ years while working.

🩺 Report when your income goes down: Some parts of Medicare come with an income-related monthly adjustment amount (IRMAA). If your income goes down, so may your IRMAA.

🩺 Consider Medicare Advantage: Medicare Advantage can have little to no premium fees and can offer additional coverage for parts A and B.

🩺 Apply for a Medicare savings program: Savings programs can help pay for the cost of Medicare. If you’re interested, reach out to us to see if you qualify.

For World Kindness Week this year, let's fill this space with heartwarming stories that touched our lives 💬

Whether it's a small act of compassion or a meaningful gesture that you experienced or witnessed, we want to hear all about it! 💖

Get ready for some verbal acrobatics because today is International Tongue Twister Day!🎉 Let's kick things off with a classic tongue twister:

“Peter Piper picked a peck of pickled peppers. How many pickled peppers did Peter Piper pick?”

Now, it's your turn to join in on the fun. Comment below with your favorite tongue twister or challenge a friend to give it a whirl! 💬

📣 ACA Open Enrollment Alert! 📅

From November 1 to January 15, you can sign up for a new plan or make changes to your existing one. Don't miss the opportunity to secure the best coverage for the upcoming year!

💬 Plus, if you'd like personalized guidance, we’re just a phone call away. Your peace of mind and well-being are our top priorities.

Call or email us with any questions, and be sure to share this post with your network to spread the word.

Who’s excited for an extra hour of sleep? 💤

It’s almost time to “fall back” in time! 🕰️ Daylight savings ends on Sunday, November 5th, when we all set our clocks to standard time by adjusting back an hour.

Remember, your smartphones and gadgets will automatically adjust for the time change but you’ll need to change your analog clocks (ovens, microwaves, etc.).

What are you doing with your extra hour? Tell us below in the comments!

Insurance can feel a bit spooky sometimes 👻 If you or any in your network is in need of guidance, we’re happy to help. At our office, we 🍬TREAT🍬 clients like family! Reach out to us directly with any questions or needs 🎃

📢 Mark your calendars! Open enrollment for 2024 coverage through ACA starts on November 1 and ends on January 15, 2024. Enroll by December 15, 2023, to ensure your coverage begins on January 1, 2024.

Sign up to take advantage of several key updates, including:

➡️ A new Special Enrollment Period for Medicaid and CHIP coverage
➡️ Expanded access to behavioral health care
➡️ A simplified plan selection process

Share this important info with your loved ones, and remember, if you have any questions or need assistance, don't hesitate to reach out. We're here to help.

Did you know that four in ten enrollees misunderstand certain aspects of their plans when it comes to staying in-network? Let's clear things up!

Here's what you should know about Medicare Advantage:

✅ In-network care ensures coverage and low costs.
✅ You still get Part A and Part B coverage, plus extra benefits like vision, hearing, and dental.
✅ Pre-existing conditions don't prevent you from joining a Medicare Advantage Plan.

If you want to discuss Medicare Advantage or any other Medicare-related matters, don't hesitate to reach out. We're here to support you! 💙

Did you know that, in 2023, nursing home costs averaged $8,000/month? That’s over $100,000 per year 🤯

One of the best ways to maintain peace of mind as you age is to make sure you are covered by long-term care insurance.

Since October is Long-Term Care Planning Month, we’ve compiled a helpful Q&A to give you the basics on what this type of insurance covers and when it’s time to consider it. Swipe through to read more ↩️

Remember, these are just the basics! Feel free to reach out this October if you have more questions. There’s nothing more important than planning for a secure future. 🌼

Is there something this October that has you preoccupied, anxious, or discouraged? Here are a few words of encouragement: don’t give up.

As one of our nation’s most brilliant and determined inventors once said:

“Our greatest weakness lies in giving up. The most certain way to succeed is always to try just one more time.” - Thomas Edison

If you know others who could be helped by this message, share this post!

Did you know that 67% of Americans have no estate plan?

Estate planning is like a safety net for your loved ones, ensuring your assets and wishes are taken care of when you're no longer around. Plus, it can save your family from a whole lot of headaches and disputes.

Have you considered these eight common estate planning mistakes?

1️⃣ Making no last will and testament or living will
2️⃣ Failing to specify legal guardians for your children
3️⃣ Identifying only one beneficiary
4️⃣ Not discussing your end-of-life wishes with loved ones
5️⃣ Designating assets that may change or no longer exist at the time of your death
6️⃣ Not accounting for estate taxes
7️⃣ Never updating your will after making one
8️⃣Underestimating or not having enough life insurance
On the note of life insurance, this October is the perfect time to ensure that you have checked off this key element of estate planning–and that it reflects your current needs.

It was a GOOD DAY to have a lunch & learn AND it was fun!😁

Mark your calendars: September 10th is National Grandparents' Day, a day dedicated to recognizing and valuing the generations that came before us! 💝

On this day, we celebrate the lasting love and wisdom that grandparents bring to our families. Take today as an opportunity to honor and appreciate your family, give someone an extra tight squeeze, or simply let them know how much they mean to you.

As an insurance agency, we recognize the significance of safeguarding what matters most to you. We are here to help you get the right coverage to keep you and your loved ones safe and secure. 💖

Share a cherished memory with your grandparents in the comments below!

📣 Important News: 2024 Medicare Changes 🏥

Here's a quick overview of some of the upcoming changes to in 2024. If you or someone you know could benefit, please share!

1️⃣ Medicare Advantage:

✅ Enhanced provider directories, now including cultural and linguistic capabilities.
✅ More access to telehealth and digital health education.
✅ Culturally competent care guidelines to better meet needs of non-English speakers and those who are hearing impaired.

2️⃣ Medicare Part D:

✅ Coinsurance eliminated! This could save thousands for those with high-cost meds.
✅ More people now eligible for full benefits under the Part D Low-Income Subsidy Program.
✅ Base beneficiary premium increase capped at 6%.

Have questions or need assistance understanding these changes? Don't hesitate to reach out! We're here to help you navigate and ensure you get the best possible care at the most affordable cost. 💡

Happy Labor Day –
Happy Monday 🐾


We hope all of you can take some time to relax, whether it’s in the form of cat naps or some dog-gone good Labor Day deals!

As we honor the contributions of workers and pause for a little R&R this Labor Day, we want to thank our wonderful clients, colleagues, and professional network for being with us on this journey.

It's because of your trust and support that we’re able to do what we love and make a small difference in the lives of others.

Once again, thank you — and Happy Labor Day to you all ❤️ 🤍 💙