Crolley and Associates- Life, Accident and Health Insurance Brokers

Her air-ambulance ride wasn't covered by Medicare. It will cost her family $81,739 A frugal Tennessee resident opted out of Medicare Part B, which carries $175 monthly premiums. Now her heirs face a huge bill for an air-ambulance ride.

Explainer: Possible Cigna-Humana deal fades; why other insurer mergers failed

Let someone local help you navigate the sea of health and life choices. We offer both in person and over the phone appointments. For those of you who enjoy signing up yourself but would like the support from a local agent when things go wrong, we have links that allow you to sign up for most plans as well. Contact us today for more information, it costs nothing to discuss your options.

Open enrollment for Affordable Healthcare/Marketplace plans has now begun! You have from November 1- December 15th to sign up for a marketplace plan that will start on January 1, 2024. Choices made between December 16 and January 15 will result in a February 1, 2024 start date.

Please use the link below to shop for plans, and as always feel free to reach out if you have questions! We are also available for phone or in person insurance reviews.

HealthSherpa | Fast, Easy ACA Enrollment HealthSherpa is the fastest and easiest way to enroll in ACA / Marketplace health insurance. Click on the link to shop and compare plans, grab a FREE quote, and sign up for coverage.

It’s that time again! As always, I strongly suggest you check with myself or your agent/broker yearly about your options. So many things change; you, your doctors, your prescription medicines, and even the plans themselves. So what’s good for you now might not be good for 2024.

Call us if you need help, 803-348-3245

(Serving the people of SC, NC, TN, GA and FL)

Things that make you wonder… but either way, we got you covered.

See comments to see links for free quotes on both!

Hey guys, as you all know today is the beginning of open enrollment for health insurance via the Affordable Healthcare marketplace. Please give me a call so I can help you find a good plan that fits both your needs and your budget. If you're over 65 and need help with Medicare we can assist you with that as well.

It'll cost you nothing to have a professional look over this for you!

803-348-3245

Feel free to share this post! I appreciate it!

Thanks!

Friendly reminder that Medicare Open Enrollment Period starts today and ends December 7. For most people, this is the only time you can make changes for the year.

If you or anyone in your family needs to discuss the changes for the upcoming year please give me a call. The plans available and your situation change yearly, so please make sure you’re meeting with someone to see if you’re still in the plan that’s best for you. There’s no obligation to change plans or purchase plans and there’s no cost just to chat about your options.

Thank you,
Terry
803-348-3245

Disclaimer- We do not offer every plan available in your area. Any information we provide is limited to those plans we do offer in your area. Please contact Medicare.gov or 1–800–MEDICARE (TTY users should call 1-877-486-2048) 24 hours a day/7 days a week to get information on all of your options

There’s other options available if you feel the VA system is no longer working for you. I have many clients who use insurance outside the VA to meet their needs. Some plans starting as low as $0 a month. Feel free to reach out if you or a veteran you know could use a little backup to the volatile VA system of heathcare.

Biden's VA undermining law that gives veterans access to private health care The Biden administration is looking to pare back a bipartisan law signed by President Trump to give veterans more health care choices.

Yes, Medicare card replacement phone calls are a scam If someone claiming to be from Medicare calls you about replacing your card and requests personal or banking information, you should hang up immediately.

I never know what I’ll come home with some days in this line of business...

Today, it’s a plant given to me from one of my long time clients. I’m always humbled by the care and support these folks show me day in and day out. And it all started with me meeting with them to help take care of their health and life insurance needs.

🤗 🪴

Medicare enrollees to get free COVID-19 tests at drug stores This is the first time the health insurance program for older people and those with disabilities has covered an over-the-counter test at no cost to recipients.

Medicare opens up access to free at-home COVID-19 tests The Centers for Medicare & Medicaid Services said Medicare will cover up to eight free tests per month, starting in early spring.

Hey folks, it’s that time again! Medicare Open Enrollment is October 15- December 7.

As always, the market is ever changing, and this year is no different. Please, please, please make sure you’re speaking with your agent/broker yearly to make sure you’re not overpaying for your coverage or will be in a plan that no longer fits your needs.

If you don’t have an agent/broker I’ll be happy to review your situation and give you options that fit your situation at no cost to you. If this isn’t something you feel you need, but know someone who might, please pass my information along.

Thanks!

Terry Crolley
803-348-3245

I’m a local (Lexington, SC) broker contracted with all of the competitive plans in the state (and North Carolina, Georgia, and Tennessee as well).

Another successful year. I couldn’t do it without all of you. Thanks for everyone who helped me reach this years goal once again!

If anyone is still looking to sign up or get quotes for affordable healthcare please use this link. You’ll find it’s much easier to use than the marketplace website. And as always feel free to call and I can help you sign up as well.

You need to sign up before December 15th to get a plan for next year, so don’t wait.

https://www.healthsherpa.com/?_agent_id=terry-crolley

HealthSherpa | Fast, Easy Obamacare Enrollment HealthSherpa is the fastest and easiest way to enroll in ACA / Marketplace health insurance. Click on the link to shop and compare plans, grab a FREE quote, and sign up for coverage.

It’s time again for Affordable Healthcare open enrollment. November 1 through December 15th you can make changes or sign up for new plans for the 2021 year. Please feel free to use the link below to shop plans or give me a call or text and I’ll be happy to help you find the best plan for your needs. You can reach me at 803-348-3245.

https://www.healthsherpa.com/?_agent_id=terry-crolley

Thanks!

Terry

Stay safe out there, friends!

Hey folks, it’s that time again.

As always, the market is ever changing, and this year is no different. Please, please, please make sure you’re speaking with your agent/broker yearly to make sure you’re not overpaying for your coverage or will be in a plan that no longer fits your needs.

If you don’t have an agent/broker I’ll be happy to review your situation and give you options that fit your situation at no cost to you. If this isn’t something you feel you need, but know someone who might, please pass my information along.

Thanks!

Terry Crolley
803-348-3245

I’m a local (Lexington, SC) broker contracted with all of the competitive plans in the state (and North Carolina as well).

Why Women Need Life Insurance

Today, women have more financial responsibilities than ever before. How will your family or loved ones manage financially if you die? Whether you are single, married, employed, or a stay-at-home mom, you probably need life insurance. At the very least, life insurance can help pay for the costs of funeral and burial services, estate administration, outstanding debts, estate taxes, and the uninsured expenses of a final illness.

Who needs life insurance?
Working women
Increasingly, families depend on the income of two working parents. If you're a working mother, your income can have a significant impact on the quality of your family's lifestyle. Your income helps cover the cost of ordinary living expenses such as food, clothing, and utilities, and it provides savings for your children's college education, and for your retirement. Life insurance protects your family by providing proceeds that can be used to replace your lost income if you die prematurely.

Single women
Often, women, like men, think that it's not necessary to buy life insurance because they have no dependents. What's often overlooked is that life insurance can provide necessary funds to pay off car loans, education loans, debts, a mortgage, taxes, and funeral expenses that might otherwise be the responsibility of family members. Also, the cash value of permanent life insurance may be used to supplement retirement income.

Single moms
Whether you're divorced, widowed, or simply a single mom, you're most likely primarily responsible for your child's support. If you die prematurely, life insurance can provide ongoing income to cover child-care costs, medical expenses, debts, and future college costs.

Stay-at-home moms
Maintaining a household is a full-time job, and you have many important roles and duties. The cost of the services performed by a stay-at-home mom could be quite significant if someone had to be hired to do them. If you die, your surviving spouse may have to pay for services such as child care, transportation for your children, and housekeeping. Taking over these added responsibilities could cause your spouse to shorten work hours, resulting in a reduction in income. Proceeds from your life insurance can help your spouse pay for services that keep the household running and allow your spouse to keep working.

Family caregiver
Many women find themselves providing care for both children and elderly family members. Caring for an aging parent or family member can include paying for the costs of adult day care, uninsured medical expenses, and extra transportation. Adding these expenses to the costs of maintaining a household, child care, and college tuition can be financially overwhelming. Unfortunately, these added financial responsibilities often continue after your death. Life insurance provides a source of funds that can be used to help pay for these expenses.

Business owner
You may be one of the increasing number of women business owners. If you die while owning your business, life insurance can be used to provide cash for company expenses such as payroll or operating costs while your estate is being settled. Also, life insurance can be a useful tool for business owners structuring buy-sell arrangements or providing benefits to key employees.

Life insurance types and options
Life insurance comes in many different sizes and shapes, and determining the policy that meets your needs may depend on a number of factors. Understanding the basic types of life insurance can help you find the policy that's best for you.

I currently work with almost every company in the state. What this means for you is that finding the best plan for you and your budget will be easy! Call me today for a free evaluation/needs analysis!

Thanks for reading!

Terry
803-348-3245

Analysis Shows Millions More Uninsured Due to COVID-19 Pandemic There is clear evidence that the COVID-19 pandemic and economic downturn are causing millions of Americans to lose not only their jobs but also their employment-based health insurance. What’s less well known is how many of these workers are remaining uninsured, and how many are shifting to other c...

Humana is sending out these really nice masks to both agents/brokers and members.

I’ll give that a thumbs up for sure!

Stay safe out there folks, and may the 4th be with you!