Mike Noyes - Your Health Insurance Guy

Wishing everyone a relaxing and well-deserved Labor Day!

The right plan could be a conversation away.

Speak with me, your licensed insurance agent, now: +16023738450

ARE YOU PREPARED FOR OPEN ENROLLMENT SEASON FOR BOTH MEDICARE AND UNDER 65 MARKETS?

How are you all preparing for the upcoming health insurance enrollment periods? With both Medicare's Annual Enrollment Period (AEP) and the Under 65 Marketplace Open Enrollment Period (OEP) approaching, it's a crucial time to consider our options.

I find it helpful to mark key dates and ensure I'm fully informed ahead of time. What strategies do you use to manage these important decisions? Let's share tips and reminders to ensure no one misses out on their opportunity to enroll or adjust their plans.

Give me a call BEFORE the busy season arrives.

Good news - you don’t need to wait for the Annual Enrollment Period to get vision or dental coverage!

Discover your year-round options. Give me a call to start shopping plans today:
+16023738450

Shop your way - because convenience shouldn't be a luxury, it should be standard.

I’ve got you covered, whether you prefer to shop online, over-the-phone, or face-to-face. Talk to me, your licensed insurance agent, today:
+16023738450

Turning 65 soon? Already 65, but curious as to how Medicare changes might affect your coverage? Call 602-373-8450, or provide contact info https://cc.healthmarkets.com/mnoyes

Going through major life changes? You might qualify for a Special Enrollment Period!

Call me, your licensed insurance agent, now to see if your Medicare plan keeps up with life's twists and turns: +16023738450, or provide contact info: https://cc.healthmarkets.com/mnoyes

Explore more. With 200+ carriers nationwide, we bring a world of options.

Call me, your licensed insurance agent, now to get started: +16023738450, or provide contact info: https://cc.healthmarkets.com/mnoyes

Explore dental insurance plans and help keep your little scholar's smile bright all year long. Call me today to get started: +16023738450

See things more clearly with vision insurance. Call me now to explore plans: For more info: https://cc.healthmarkets.com/mnoyes

NURSING HOME CARE V.S. MEDICARE

Medicare Part A (Hospital Insurance) may cover care in a certified skilled nursing facility (SNF). It must be medically necessary for you to have skilled nursing care (like changing sterile dressings).

Medicare doesn't cover custodial care if it's the only care you need. Most nursing home care is custodial care, which helps you with activities of daily living (like bathing, dressing, using the bathroom, and eating) or personal needs that could be done safely and reasonably without professional skills or training.

Things to know

If you're in a Medicare Advantage Plan (Part C) (like an HMO or PPO) or other Medicare health plan, check with your plan to see if it covers nursing home care. Usually, plans don't help pay for this care unless the nursing home has a contract with the plan. Ask your Insurance Broker about a unique "Recovery Care" bundle that not only addresses the Skilled Nursing Home dilemma, but coverage that includes Home Care, and Hospitalization rolled into one plan.

For more info on how to acquire an AFFORDABLE alternative to the traditional Long Term Care option, BEFORE an event happens, call 602-373-8450 or drop your contact info at: https://cc.healthmarkets.com/mnoyes

Do you qualify for a change in your health insurance plan?

As your licensed insurance agent, I can help you save time and avoid confusion as you shop plans. Call me at +16023738450 to get started!

For more info: https://cc.healthmarkets.com/mnoyes

Are you looking for immediate dental coverage? Discover two different types of dental insurance with no waiting period.

I can help you find a plan today, call +16023738450 or leave basic info at https://cc.healthmarkets.com/mnoyes

FINAL EXPENSE IS IMPORTANT
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​It helps cover end-of-life costs, such as funeral and burial arrangements, nursing home expenses, and legal matters.

​For those without existing life insurance, it covers loved ones' expenses after the policyholder's passing.
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The average funeral can cost $10,000 or more, making this coverage essential.
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Planning avoids burdening loved ones during a difficult time.
It can be a suitable choice for those without insurance due to age or health.

I can help you find a plan today, call +16023738450 or leave basic info at https://cc.healthmarkets.com/mnoyes

Vision insurance can be affordable!

I can help you find a plan today, call +16023738450 or leave basic info at https://cc.healthmarkets.com/mnoyes

2024 Marketplace Circle of Champions—one of many top-performing Marketplace agents and brokers in America.

What is a copayment?

Knowing how copayments work can be key to understanding your healthcare costs.

https://cc.healthmarkets.com/mnoyes

If you’re a freelancer, between jobs, or if you've missed the Open Enrollment Period, short-term health insurance plans can provide you with temporary coverage. Learn more: https://www.healthmarkets.com/local-health-insurance-agent/mnoyes/

Are you curious if a short-term health insurance plan makes sense for you? Let's discuss your options together. Call me at +16023738450 today!

Back-to-school season is almost here! Have you scheduled your student athlete's annual physical yet?

Many health insurance plans cover these regular check-ups to help prepare your child for the coming school year.

Health insurance can be complicated.

As your licensed insurance agent, I can help you find a health insurance plan that fits your budget and needs. Just call me at +16023738450 to get started!

CAN MOST PEOPLE TODAY AFFORD NOT TO HAVE SOME TYPE OF ACCIDENT SUPPLEMENT INSURANCE?

Health insurance is designed to take care of most of your doctor and facility bills - it wasn't designed to make you financially whole.

Imagine, you find yourself in the Hospital one day because you tripped over the rug at home, hit your head on the kitchen countertop before falling to the floor breaking your hip? Ouch!

While in the hospital for the next 3 days or so, you are required to pay your medical deductible, which could range between 0 -12.5K+, followed by your plans' co-insurance of 20-50%, up to your Maximum Out-Of-Pocket of $5K.

Could your financial reserves handle the thousands of dollars you would be on the hook for? By the way, you remember your mortgage and car notes are due at the beginning of the month and the electric bill two days after. Either you have the cash reserves, or you don't. If you do, are those reserves enough to handle up to potentially the $17,500+ in medical, plus another $1500-$2000+ in monthly personal bills?

If the answer to the above questions is "No", finding the right solution to safeguard your financial nest egg in the future is one simple click away. Visit: https://cc.healthmarkets.com/mnoyes

You may have heard about high-deductible health plans (HDHP), but do you know how they actually work?

As a licensed insurance agent, I'm here to help you understand. HDHPs can offer lower monthly premiums and pair with health savings accounts for added tax benefits. For more details: For a free quote, contact: https://cc.healthmarkets.com/mnoyes

Here's to a healthy and happy holiday!

WHY DO AMERICANS CELEBRATE THE 4TH OF JULY?

Here's a good historical view of why the 4th of July is celebrated yearly:

https://www.britannica.com/story/why-do-americans-celebrate-independence-day-with-fireworks

Summer is a great time to prioritize your health and wellness using your insurance benefits! With kids out of school and lighter schedules, take advantage of this downtime before the hectic fall season begins.

SHORT-TERM V.S. LONG-TERM DISABILITY

Have you asked yourself what if I were injured and could not work, how would that impact my family?

Disability insurance helps replace your income during this time, but there are two main types: short-term and long-term.

Short-term disability kicks in quickly (usually within a week or two) and provides benefits for a shorter period, typically 3-6 months. Think of it as a safety net while you heal from an injury or illness.

Long-term disability takes longer to start paying out (often 3-6 months) but provides benefits for a much longer duration, sometimes even until retirement age. This is for serious conditions that might prevent you from returning to your current job.

Which one is right for you? It depends! Consider your financial situation, job security, and the likelihood of needing long-term support.

Confused? No worries! HealthMarket can find the best disability insurance plan for your needs.

For a free quote, contact: https://cc.healthmarkets.com/mnoyes

Selecting a health insurance plan is an important decision, but 4 tips can help make the process easier. To find out more: https://cc.healthmarkets.com/mnoyes/contact?cid=HJ__YlFYq

"People's lives change all of the time and I get to help them find coverage for the spot in life that they are currently in.”

Daniel Smith has more than 12 years of experience not only serving clients but also helping other agents.

Find a licensed insurance agent like Daniel in your area: https://www.healthmarkets.com/local-health-insurance-agent/

Today, we reflect on the importance of freedom and resilience as we celebrate .

Are you crafting an employee benefits package for your small business?

Here are 6 benefits that could help you attract and retain top talent: https://www.healthmarkets.com/resources/small-business-health-insurance/best-employee-benefit-package-for-small-businesses/

Big news for Medicare beneficiaries!

Starting in 2025, a new out-of-pocket spending cap of $2,000 for prescription drugs covered under Medicare Part D will go into effect.*



*Source: https://www.kff.org/medicare/issue-brief/millions-of-people-with-medicare-will-benefit-from-the-new-out-of-pocket-drug-spending-cap-over-time/

“I enjoy being the go-to resource person and helping people when they need it the most.”

Whether his clients are getting married, retiring, or becoming eligible for Medicare, Ron Max has years of experience helping them through the process.

Are you looking for a licensed insurance agent near you? Find one like Ron here: https://www.healthmarkets.com/local-health-insurance-agent/

Knowing your out-of-pocket maximum can be key to understanding your healthcare costs.

Ready to explore your health insurance plan options? Learn more and shop plans at www.HealthMarkets.com.

Are you moving to a new place this summer?

You may be eligible to shop for a new health insurance plan if you are moving to a new city or ZIP code. Explore your options in your new area at https://www.healthmarkets.com/health-insurance/

In remembrance of our heroes on this Memorial Day.

Meet Phil King, a licensed insurance agent in Pickerington, Ohio!

"I look at this as my mission: to always take care of my clients as much as possible, from the first meeting to challenging times of illness or accidents, and even after they are no longer clients.”

Ready to find a licensed insurance agent like Phil in your community? Click here: https://www.healthmarkets.com/local-health-insurance-agent/

What is a health insurance premium?

Understanding how the cost of your premium can affect the amount of coverage you receive will help you make an informed decision as you search for a plan for you or your family. Learn more and shop plans at www.HealthMarkets.com.