Insurance Services Todd Koonce

If you are not at these hoals, let’s talk

Fully insured or level funded? There isn't a one-size-fits-all answer.

One offers simplicity and predictable costs. The other may provide savings opportunities for healthy groups.

That's where your expertise comes in. Ask the right questions, understand the client's needs, and recommend the strategy that fits.

Match the plan to the client, not the other way around.

Make the most of your Medicare with a secure online Medicare account. You can access all your Medicare information anytime, it’s quick and easy to sign up, and you can verify your identity and help prevent fraud by logging in with ID.me, CLEAR®, and Login.gov: www.medicare.gov/account

This can be overwhelming if you try to do it alone

Applying for disability benefits involves more than completing an application.

Before you apply, check out our Disability Starter Kit to help you get ready: https://ow.ly/R6C650ZyX7x

Let me know if you would like some clarity and/or guidance on this assistance

If your income for 2026 is below $23,940 ($32,460 for married couples), you may qualify for lower prescription drug costs with Extra Help. Many people qualify and don’t even know it. https://go.medicare.gov/4uFZ99N

Stay safe on social media! will never reach out to you to ask for your Medicare Number on any social media site. If someone messages you directly and says they’re a “Medicare agent”, don’t respond and report it at https://go.medicare.gov/4w84nvD.

What questions do you have about what is available to you?

ASK Me😃

Make sure to keep up with your yearly Wellness visit! It’s a conversation-based visit with your doctor to create a plan to help you stay healthy. You can talk about family and medical history, develop a screening schedule, and create your prevention plan. https://go.medicare.gov/3QnXQxn

Need someone to review it with you?
Ask me!

If you have Original Medicare, you get a Medicare Summary Notice (MSN) every 6 months by mail when you get any services. But why wait? Choose electronic MSNs to get an email every month telling you when your copy is available in your account. https://www.medicare.gov/go-digital