LaFever Insurance Agency Inc.

I'm an Authorized agent with CDPHP medicare Advantage plans. Reach out to me to review your needs!

Did you know that our Medicare Advantage plans offer a prepaid Benefits Mastercard to help make health care more convenient for you?
Use your card for:
• Dental services – Get help covering routine dental care to keep your smile healthy.
• Over-the-counter items – If your plan includes this benefit, use it for eligible everyday health supplies.
• Vision care – You can also use it to help with glasses and contacts!
If you're curious about how the card works or what’s covered, learn more here: https://blog.cdphp.com/how-to/5-tips-for-using-your-prepaid-benefits-mastercard/

Over 65 and on Medicare? Did you know you may be eligible for a New York State pharmaceutical assistance program called EPIC?
Go to https://www.health.ny.gov/health_care/epic/ to learn more!!

Confused about Medicare Supplemental/Advantage plan options?
Message me!

Elderly Pharmaceutical Insurance Coverage (EPIC) Program Elderly Pharmaceutical Insurance Coverage (EPIC) Program

Happening tonight. 🐄

Need blood work done? AMBA clinic is a low cost option! If you have a high deductible plan or no insurance & dont want to pay $1000's for blood work, give them a call today!

IF YOU DO NOTHING ELSE, put a beneficiary on all of your financial accounts like checking savings CDs, Life Insurance, investments etc. You don't need a will for them to get to your money, just a death certificate. And make a list, preferably by hand instead of your computer, either give it to your trusted person, spouse or put it in your security box at the bank. If the person doesn't know you have a savings account or a CD at XYZ Bank, they can never go get the money. Make sure you have a trusted person that is a signer on the security box at the bank.

🗣 IMPORTANT information to get your affairs in order‼️

💰Make sure all bank accounts have direct beneficiaries. The beneficiary need only go to the bank with your death certificate and an ID of their own.

🏡 TOD = Transfer On Death deed if you own a home. Completing this document and filing it with your county saves your heirs THOUSANDS. This document allows you to transfer ownership of your home to your designee. All they need to do is take their ID and your death certificate to the county building and the deed is signed over. Doing this will avoid the home having to go through probate.

👨‍👩‍👧‍👦Living Will: Allows one to put in writing exactly what you want done in the event you cannot speak for yourself when it comes to healthcare decisions as well as other final decisions.

👩🏽‍⚖️Durable Power of Attorney: Allows one to designate a person to make legal decisions if you are no longer competent to do so.

🏥Power of Attorney for Healthcare: This document allows one to designate someone to make healthcare decisions for them.

🛍Last Will and Testament: Designates to whom personal belongings will go to, who the Administrator will be. But if you have a beneficiary on any of your financial accounts, that will override a will. For instance if you say I leave all of my possessions to my daughter Susie, but on your savings account the beneficiary is your best friend, then the money goes to your best friend

🪦Funeral Planning Declaration: Allows one to say exactly one’s wishes as far as disposition of the body and the services.

If the above documents are done, you can AVOID probate.

If all the above is not done, you have to open an estate account at the bank. All money that doesn’t have direct beneficiaries goes into this account. You have to have an attorney to open the estate account. The attorney also has to publicize your passing in the newspaper or post publication at the county courthouse, to allow anyone to make a claim on your property. - It’s a complete PAIN.

📚 💳Make a list of all banks and account numbers, all investment institutions with account numbers, lists of credit cards, utility accounts, etc. Leave clear instructions as to how and when these things are paid.

Make sure heirs know where life insurance policies are located. 📂

📝Make 100% sure SOMEONE knows your Apple ID, bank ID account logins and passwords!

🚗 Make sure you have titles for all vehicles, campers, etc!

Set up a TRUST for intended beneficiaries, especially those that are too young, and appoint a trustee of said trust.

MOST IMPORTANTLY!!!! - Talk with those closest to you and make all your wishes KNOWN. Talk to those whom you’ve designated, as well as those close to you whom you did not designate. - Do this to explain why your decisions were made and to avoid any lingering questions or hurt feelings.

⚡️Hope this helps! ⚡️Hope this lights a spark to encourage all your friends and family to take care of these things to make it easier for those we all leave behind!

My hope is that the above list at least helps you start an important conversation with your loved ones...

Events in Bovina.

https://lm.facebook.com/l.php?u=http%3A%2F%2Fwww.livestockfoundation.org%2Fbovina-farmers-market%3Ffbclid%3DIwAR37q0nIIVbClrXfXPQIeHYZJUv6Lv2InzdWnOmE5SYUl-QAQXLNeMHc85Q_aem_ASGNcM6pbr1vHyJwmoyT6ByhgGo3qblWjeztRzrQqtu7EbxifkCMP3xEzpzvepd5WOc&h=AT1mSqC9HkKXtuBRG5BlE8uvwGbx96nKr7KrhSiZLje7S93bSW1ZDEyNd1FlugIeAG_xHADo_eMW3bg2WQ7dF2llA0iOVd-q4aPuSbkgXPC1VLdkQ5qsywc6XAsG&s=1

Bovina Farmers Market — Livestock Foundation Fridays 4-7 PM from Memorial Day to Labor Day

https://www.thedailystar.com/news/business_news/local-business-bovina-insurance-broker-forged-her-own-path/article_51b77010-edf7-11ee-b397-8f2c73662ae5.html

Local Business: Bovina insurance broker forged her own path Bovina native Jillienne LaFever is in the business of benefits.

Please note that I have a new email address.
[email protected]

I'm grateful for my amazing customers today & always. Thank you all for your support & have a blessed Thanksgiving.

http://bovinalibrary.org/index.php/2023/10/16/10th-annual-farm-feast-2023/?mibextid=Zxz2cZ

come out and get a great dinner and show support for the Bovina Library this Saturday evening! I've made delish mini apple pies for the event.

10th Annual Farm Feast | 2023 – Bovina Public Library Sponsoring at any level gets your name and recognition in the 10th Annual Farm Feast booklet!Sponsoring at the high levels gets free tickets [and recognition in the 10th Annual Farm Feast booklet].

It's the annual enrollment period for those on Medicare to make changes to their Medicare Advantage
plan or Supplemental plan.
Give me a call to review your needs!
607-832-4815.

This is what's up in Bovina.

Great gift idea for the holidays while supporting BMFT!

Winter Hats that Support the Fire Tower *** Get them while they last. Last year's hats sold out fast! ***

AMBA blood analysis is a fantastic way to have your blood work done affordably! If you dont have insurance or have a high deductible plan and would like to have work done outside of your insurance, this is the way to go!

LaFever Insurance Agency Inc. Health, Life, Dental, Long Term Care, Medicare Supplemental plans, Medicare Advantage

My campaign letter hit mail boxes yesterday! 🍁Please vote Nov 7th. 🍁

I am working with six different medicare advantage & supplemental companies this year! Open enrollment starts soon for 1/1/24 enrollments!
Message me or call to review your benefits AND refer a friend!

Bovina voters, please vote Nov, 7th. There are 3 individuals running for 2 positions. Your vote counts!!!

Call me to learn more about HDHP options that are HSA qualified.

Come visit our awesome town on Bovina Day!

Update on heath policies.

☎️ Give me a ring to discuss!

I'm thankful for all my clients
today and always. 🦃