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Happy Holidays from all of us!
Merry Christmas to all of our amazing clients!  We hope that this season brings you lots of laughter, love and lasting joy.
Last Call for Open Enrollment!
Open enrollment has begun for Medicare and individual health!
Please review these important dates: 

Medicare Open Enrollment
Ends December 7th 2017

*If you still need a Medicare review, please contact us as soon as possible. 

Private Health Insurance Open Enrollment 
and Open Enrollment
Ends December 15th 2017

*If you haven't already scheduled a review with your Advisor, please take the time to do so now: 

For further questions or concerns, please contact our office: 
Health Insurance Savings Tips
As the insurance industry is changing, many people are facing high deductibles, higher healthcare costs and greater medical and prescription expenses.  

Check out these different ways you may be able to save some money: 

  Health insurance deductibles and out-of-pocket costs can take a toll on your savings should an unexpected medical event occur to you or someone in your family. Metal Gap plans are bundled insurance benefits that can cover the cost of your deductible should an accident, critical illness or hospital confinement take place, reducing the burden and stress from your wallet.

Call a doctor instead of paying for that office visit!  Telemedecine is becoming more popular as an easy way to handle minor illnesses.  Our FreshBenies card offers unlimited telemedicine, extra savings on prescriptions, dental and vision, and even help with managing or lowering expensive bills.  With a very low monthly cost, the savings is worth the membership.

This site is a great resource for prescription savings and coupons! 

Individuals earning $30,000/year or less, or couples earning $50,000/year or less may qualify for extra help with prescription cost. 

Many people have an HSA plan and don't properly utilize the health savings account. The tax advantage is very helpful, especially for self-employed people.

Don't assume your health insurance plan will go overseas with you!  Medical care and costs in other countries are very different. Be prepared with GeoBlue from Anthem. 

Questions? Contact us!

Legislative Update
As we meet with clients, we are finding that many people are confused about what changes have been made to the Affordable Care Act, and are often misinformed about how their healthcare options are impacted this year. 

As your Trusted Advisors, we are in constant communication with the carriers about any changes that are coming. We will be here to help you through your choices for the next open enrollment, and will keep you informed about any changes that may affect your policy. 

As always, if you have any questions, you may contact our office or your Advisor directly at any time.  

Merry Christmas! 
" For it is in giving that we receive ." 
-Saint Francis of Assisi.

Merry Christmas from all of us at CFI! 

Jim Roesch,  CEO and Chief Visionary Director