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Open Enrollment Information 
Check out these important dates: 

Medicare Open Enrollment: 
October 15, 2020 to December 7, 2020
for coverage effective January 1, 2021

Individual and Family Health Insurance and Marketplace Open Enrollment: 
November 1, 2020 to December 15, 2020, 
for coverage effective January 1, 2021

Schedule with your Advisor now!  

**Be sure to schedule within the dates above**

Questions? Call us at 740-363-5433
International Travel and Medicare
Many of our senior clients enrolled in Medicare may assume that their coverage extends seamlessly overseas. However, that's not the case. In fact, a U.S. passport contains language regarding international coverage with Medicare and encourages travelers to seek other solutions.

Here are a few of the gaps that could occur when relying only on Medicare internationally: 

Medicare/Medicaid policies have limited lifetime coverage overseas

Outside the United States, Medicare policies only carry a $50,000 lifetime maximum. Just one medical evacuation can max out a policy and put you at risk of needing more coverage.

You pay up front and file claims later

Domestic policies hold seniors responsible for covering the costs of their treatment until they are able to file a claim for reimbursement. In many cases the domestic policy will only pay for 80 percent of the cost.

Travelers coordinate their own care

Coordinating hospital stays, arranging transportation, setting up direct pay, and monitoring care; Travelers relying on Medicare would be responsible for managing all of these details while battling potential health issues in a foreign city.

GeoBlue travel medical plans cover individuals up to age 95 with no underwriting and they cover these gaps and more. 

 or Call us at 740-363-5433
Monthly Tip! 
Be smart - shop your prescriptions! 

Did you know that each pharmacy can charge a different price for the same medication?  Use GoodRx to easily find the lowest cost and coupons for your prescriptions! 

Spotlight: Accident  Plans
Today active lifestyles in or out of the home may result in bumps, bruises and sometimes breaks. Getting the right treatment can be vital to recovery, but it can also be expensive, especially if you have a high deductible health plan. 

And if an accident keeps you away from work during recovery, the financial worries can grow quickly. Accident plans pick up where other coverage leaves off and provide cash to help cover the expenses.

Talk to your Advisor for more information. 

How Are We Doing? 
 Referrals are the lifeblood of our business. 

We greatly appreciate all those who send us referrals throughout the year. They are a testimony that we are doing a good job and we truly appreciate the trust you place in us. 
If you are happy with our service, we'd love to hear from you!  

Send us your story or positive experience to and we will enter you in a drawing for a gift card. 

You can also review us on Facebook, Google or Yelp to enter. 

Jim Roesch, CEO and Chief Visionary Director