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New Marketplace Plan? 
Don't forget to pay your January Premium before December 31st!

Your 2020 marketplace health insurance plan will not be effectuated until the payment for January is made. We've put together a list of numbers and links to help make your bill payment easy:   
Anthem:  888-224-4902

CareSource:  800-479-9502

Medical Mutual:  866-428-8060

Molina:   888-296-7677

Oscar Health:  855-672-2755 

If you have any questions, please reach out to your Advisor:

Schedule with Jim Roesch
Understanding A Health Plan
Most people carry health insurance without truly understanding how it works. 

Understanding the details of a health insurance plan may seem like a daunting task, but getting to know your plan before you need it will save you lots of money when you use it. Here are some starting points: 

1. Start with the basics.
Understanding terminology is the first step. A great glossary can be found HERE.  

2. Learn your benefit structure.
Federal law mandates that every health plan come with a full Summary of Benefits and Coverage. A sample SBC can be found HERE.  Your plan's SBC will have the same structure, but will reflect different numbers in each section. Getting to know this document is important to understanding how each service will be covered when you use the plan. 

3. Create an account. Once armed with the above, learn to stay in network.  Create an account with your health insurance company, and download an app if they offer one.  Learn how to search for providers in network, and be sure to check your providers prior to your appointment. 

4. Lean on us.
As a full service agency, we are here to help. Your Advisor can help obtain and explain coverage documents, search for providers, and so on. Don't be afraid to ask us a question. Client education is important to us, and we are happy to assist you. 

The more you know, the better your plan will work to protect you. 

'Tis The Season For Savings! 
Let's make 2020 the year of savings. 

But with so many ways to save money out there, where do you even start? Start quick. Start easy. Start here-20 simple tips for saving money throughout your day, week, month, year and life!

Spotlight: Life Insurance for Young Families
When you're starting a family, you face perhaps the most daunting financial pressures you'll encounter at any stage of life. 

Expenses like a new home and young children weigh heavily, and you're likely still early in your career, far from your peak earning potential. Meanwhile, you need to begin saving for the future: college for the kids, a nest egg for you and your spouse. How can you address all of these obligations at once?  

First Step: Talk to your Advisor. We are licensed and trained to help you plan. We have what you need and can help you find affordable coverage for any stage of life.

Happy New Year
The new year always brings talk of resolutions, new beginnings and so on. But as we look forward we can't forget to look back at how far we've come.  Be sure that your fresh start doesn't mean forgetting to have gratitude and respect for the blessings and trials that brought you to this point. 

I am grateful to you, our clients, for your continued business and to our amazing staff who work tirelessly to keep our busy office running smoothly. I look forward to a great 2020 and look back with a smile, retaining gratitude for each of you and how you've helped us grow. 

Jim Roesch,  CEO and Chief Visionary Director