2025 Special Election Period - Highmark, Independent Health, and Some UnitedHealthcare Plans

If you’re a Medicare beneficiary in Western New York, you may have already heard the news: Highmark, Independent Health, and some UnitedHealthcare plans (especially in rural areas) will not renew their Medicare Advantage contracts for 2026. These changes take effect January 1, 2026, leaving many Western New Yorkers wondering what happens next—and when they need to act.

Here’s the good news: You have time.

While many people assume they must make a new plan selection before the end of the Annual Enrollment Period (AEP) on December 7, 2025, that isn’t the case if you’re losing your plan due to non-renewal.
Because your plan is ending, you qualify for a Special Election Period (SEP) for “loss of coverage.”

What does that mean?

You have until December 31, 2025, to review your options and enroll in a new Medicare plan that begins January 1, 2026. This extra time ensures you’re not rushed into an important decision about your health coverage.

Why this matters

Losing coverage can be stressful, but you don’t have to navigate it alone. This period is an opportunity to:

• Compare plans and benefits

• Review prescription and provider needs

• Understand what new plan options are available in Western New York

• Get expert, personalized guidance before enrolling

Final thought

If your plan is non-renewing, you’re not out of options—you simply need a little direction. We’re here to help ensure your 2026 coverage meets your needs.

Losing Your Medicare Plan? Here’s What You Need to Know

Big changes are coming to Western New York’s Medicare landscape in 2026.

Several major carriers, including Highmark, Independent Health, and select UnitedHealthcare plans, will not be renewing coverage starting January 1, 2026.

If you currently have one of these plans, you’ll need to choose new Medicare coverage before the end of this year to avoid a lapse in benefits.

Here’s what to do next:

1. Don’t Panic — But Don’t Wait

If your plan is ending, you’ll receive a non-renewal notice from your insurance provider. You’ll still have coverage through the end of 2025, but you’ll need to select a new plan that begins January 1, 2026.

2. Know Your Special Enrollment Options

Because your plan is ending, you may qualify for a Special Enrollment Period (SEP) — giving you the ability to choose a new plan without penalty.

3. Review Your Current Health Needs

Take this as an opportunity to review your:

• Prescription drug list 💊

• Preferred doctors 🩺

• Budget for premiums & copays 💵

4. Get Local Help

Choosing a new Medicare plan can feel overwhelming, especially with so many changes happening at once. That’s where local experts can help.
We work with multiple carriers and can guide you through your options, ensuring you find a plan that fits your needs and keeps your coverage seamless into 2026.

📞 If you’ve received a non-renewal letter, contact us today, (716) 693-6800. We’ll walk you through your next steps and help you find the right plan before the deadline.

Medicare Open Enrollment is here! Here’s What You Need to Do If You’re Enrolling for the First Time, and How HRI Can Help!

Today marks the start of 2025’s Medicare Open Enrollment (October 15 – December 7), and if you’re getting ready to enroll for the first time, we’re here to help! Whether you’re turning 65 or newly eligible, this is your opportunity to review your options and choose coverage that fits your health and budget needs.

1. Understand Your Medicare Options

Medicare has different parts that cover specific services:

• Part A – Hospital coverage

• Part B – Doctor visits, outpatient care, and preventive services

• Part C (Medicare Advantage) – All-in-one plans offered by private insurers that include Part A, Part B, and often Part D

• Part D – Prescription drug coverage

If you’re enrolling for the first time, you’ll decide whether to go with Original Medicare (Parts A & B) or a Medicare Advantage plan (Part C).

2. Gather Your Information

Before enrolling, make sure you have:
📄 Your Social Security number
💊 A list of your current prescriptions
🏥 Names of your preferred doctors and pharmacies
💵 An idea of your monthly budget for premiums and out-of-pocket costs

Having these details ready makes it easier to compare plans and find the right fit.

3. Compare Plans Carefully

Even if you think one plan looks good, take time to compare! Look at:

• Monthly premiums and deductibles

• Prescription coverage (especially for your current medications)

• Network restrictions (which doctors and hospitals are covered)

• Extra benefits (like dental, vision, or fitness perks)

We’ll help you compare plans side-by-side, and understand your options.

4. Enroll Before December 7

Don’t wait! The Medicare Open Enrollment Period ends December 7, 2025, and changes take effect on January 1, 2026. Enrolling early gives you time to ask questions, avoid last-minute stress, and start the new year with peace of mind.

Need Help Getting Started?

📞 Contact us today to make your first enrollment simple, clear, and stress-free, 716-693-6800!

Why a Mid-Year Medicare Check-In Matters

As we head into the second half of the year, now is the perfect time for a Medicare check-in for adults over 65 in Western New York. Whether you enrolled in Medicare recently or have had your plan for years, doing a quick review mid-year can help you avoid surprises and save money.

1. Review Your Coverage

Take a moment to look over your current Medicare plan. Are your needs still being met? Have you had any changes in your health, doctors, or medications since the start of the year? If something doesn’t feel right, it might be time to explore other options for the upcoming Annual Enrollment Period (Oct 15 – Dec 7).

2. Check Your Prescription Drug Costs

If you’re enrolled in Medicare Part D or a Medicare Advantage plan with drug coverage, check your out-of-pocket costsso far. Are your prescriptions still covered affordably? Have you hit the coverage gap (“donut hole”)? Knowing where you stand helps you budget for the rest of the year—and explore possible lower-cost alternatives with your doctor.

3. Use Your Preventive Benefits

Medicare covers a wide range of preventive services, like screenings, vaccinations, and your annual wellness visit. Have you scheduled yours yet? Preventive care helps you stay on top of your health and can detect issues before they become serious.

4. Ask for Help if You’re Unsure

If Medicare still feels confusing, you’re not alone. Our Medicare advisors can help you review your current plan, answer your questions, and make sure you're getting the most value from your coverage.

Need a Local Expert?

If you want guidance on your Medicare plan, we’re here to help. A quick mid-year check-in can bring clarity—and confidence—heading into the second half of the year.

📞 Call us today, 716-693-6800

Last Chance! Medicare General Enrollment Ends March 31

If you missed signing up for Medicare Part A and/or Part B when you were first eligible, the Medicare General Enrollment Period (GEP) ends on March 31—and now is the time to act!

Who Needs to Enroll During GEP?

This period is for people who:
✅ Missed their Initial Enrollment Period (IEP) when they first became eligible for Medicare.
✅ Aren’t eligible for a Special Enrollment Period (SEP) based on life events like retiring or losing employer coverage.

What Happens If You Enroll Now?

• Coverage will start on July 1, 2025.

• You may have to pay a late enrollment penalty if you didn’t sign up when first eligible.

• You’ll finally have the coverage you need for doctor visits, hospital care, and more!

Need Help? We’re Here for You!

Medicare decisions can feel overwhelming, but you don’t have to navigate them alone. As independent Medicare advisors in New York, we can help you:
✔️ Understand your options and avoid costly mistakes.
✔️ See if you qualify for extra coverage or programs.
✔️ Get the right plan in place before the March 31 deadline.

📞Call us today, 716-693-6800

Big Life Changes? Understanding Medicare's Special Enrollment Period: What You Need to Know

Medicare’s Special Enrollment Period (SEP) is a valuable opportunity for those who experience specific life events to make changes to their Medicare coverage outside of the regular enrollment periods. Knowing whether you qualify for an SEP can help you avoid coverage gaps and ensure you’re always on the right plan.

What is a Special Enrollment Period?

An SEP allows you to enroll in or make changes to your Medicare plan when certain circumstances arise, such as moving to a new area or losing employer-based health coverage. Unlike the standard Open Enrollment Period (Oct. 15–Dec. 7), SEPs are triggered by specific events and typically come with a limited timeframe to act.

Who Qualifies for an SEP?

You may qualify for an SEP if you experience events like:

• Moving: Relocating to a new area where your current Medicare plan isn’t available.

• Losing Coverage: Losing employer or union health insurance due to retirement or other reasons.

• Medicaid Eligibility Changes: Gaining or losing eligibility for Medicaid.

• Leaving a Care Facility: Transitioning out of a skilled nursing facility or long-term care hospital.

• Plan Changes: If your Medicare Advantage or Part D plan is discontinued in your area.

Each SEP event has specific rules, so it’s essential to know what applies to your situation.

When Can You Enroll or Change Plans?

The timeframe for an SEP varies depending on the triggering event. For example:

• If you move, you usually have two months from the date of your move to switch plans.

• If you lose employer coverage, you typically have eight months to enroll in Medicare Part B without penalty.

In the case of these events, give us a call right away, 716-693-6800. Acting quickly ensures you avoid lapses in coverage and unnecessary penalties.

Need Help Navigating Your Options?

Understanding Medicare’s Special Enrollment Periods can be tricky, but we’re here to help. Health Resources Insurance is here to guide you through the process and find the best plan for your needs.

Contact us today to schedule a consultation—we’ll help you make the most of your Medicare options! ☎️ 716-693-6800

It’s Not Too Late: Last-Minute Tips for Medicare Open Enrollment

The final weeks of Medicare Open Enrollment are here, but there's still time to make sure you’re on the right plan! Open Enrollment ends on Saturday December 7, and whether you're exploring a new Medicare Advantage plan, adjusting your Prescription Drug (Part D) coverage, or just ensuring your current plan fits your needs, here’s how to stay organized and make the most of these last two weeks.

Tips for Last-Minute Medicare Enrollment Success

1. Gather Your Information:

   • Health Needs: Make a list of any new medications, treatments, or services you might need. Consider how these could affect your current plan.

   • Current Coverage Review: Note any recent coverage gaps or limitations in your current plan. These insights will help you decide if a change is necessary.

2. Compare Plans Efficiently:

   • Use the Medicare Plan Finder tool online to quickly compare plans and get an idea of coverage options.

   • Check if a Medicare Advantage or Part D plan offers additional benefits you might need, such as dental, vision, or prescription drug coverage.

3. Contact a Local Expert:

   • At our independent agency, we specialize in senior health and life insurance for New York State residents. Working with us can make the enrollment process easier, with personalized guidance to help you select the best plan for your unique needs.

   • Don’t hesitate to reach out—we’re here to answer questions, explain plan details, and handle any paperwork for you!

Act Soon – Enrollment Ends December 7!

This is the final opportunity to make changes until next year, so make the most of these last few days. Contact us to schedule a quick consultation and ensure you’re fully covered for the year ahead.

Midway Through Medicare Open Enrollment? Here Are Some Essential Tips You May Not Know

As we approach the halfway mark of Medicare Open Enrollment (October 15 – December 7), it’s a great time to check in on your options and ensure your plan is truly meeting your needs. At our independent agency in New York, specializing in senior health and life insurance, we know Medicare can be confusing. Here are some lesser-known insights and tips to help you make the most of this enrollment period.

1. You Can Choose a New Plan Every Year

• Not Locked In: Many people think they’re stuck with the same Medicare Advantage or Part D plan year after year. But every Open Enrollment, you’re free to explore other plans! Benefits and costs can vary yearly, so reviewing your options might help you find better coverage or save money.

2. Supplemental Benefits May Be Included

• Extra Services at No Extra Cost: Some Medicare Advantage plans now include valuable extras like dental, vision, hearing aids, gym memberships, and even transportation for medical visits. These benefits vary, so it’s worth reviewing what’s included in each plan—especially if these services could enhance your health and lifestyle.

3. Double-Check Your Medications and Providers

• Don’t Assume Coverage Stays the Same: Drug formularies and provider networks can change annually. Check if your current doctors and preferred pharmacies are still in-network and verify that your medications are covered at an affordable cost. Reviewing these details now can prevent costly surprises later.

4. Our Agency Can Make It Easier

• Personalized Assistance: As an independent agency, we specialize in finding the right plans for New York residents based on individual needs. We offer personalized guidance and can clarify confusing terms, assess plan details, and handle paperwork. Our goal is to make this process as smooth and stress-free as possible.

Need Help? Let’s Review Your Options!

Don’t wait until the last minute—contact us now to schedule a consultation. We’ll help you navigate your choices so you can enter 2024 with confidence and peace of mind, knowing you have the right Medicare plan for your health and budget.

How to Prepare for Medicare Open Enrollment 2024

It’ll be here before you know it!

Medicare Open Enrollment is just around the corner! From October 15 through December 7, you have the opportunity to review your current Medicare plan and make changes that can better suit your health needs and budget. Whether you’re considering switching to a Medicare Advantage plan or exploring supplemental coverage, it’s important to know your options.

Why Review Your Plan?

Healthcare needs can change year to year. Perhaps you’ve been diagnosed with a new condition or your current plan no longer covers a prescription drug you need. Open Enrollment allows you to:

• Change from Original Medicare to a Medicare Advantage plan (or vice versa)

• Switch Medicare Advantage plans

• Add or drop Medicare Part D (Prescription Drug Coverage)

• Review and update your current coverage to avoid paying for unnecessary services or missing out on benefits

Steps to Take:

1. Evaluate Your Needs: Consider any changes in your health or prescription drug needs over the past year.

2. Compare Plans: Consult with us to compare your options.

3. Ask Questions: Unsure about a particular plan? Don’t hesitate to reach out for guidance. We’re here to help you navigate the process and find the best plan for your lifestyle.

Don’t wait until the last minute! The earlier you start reviewing your options, the more time you’ll have to make informed decisions.

Need Help?

We understand Medicare can be confusing. Contact us today for your consultation to help you choose the best plan for your health and budget during Medicare Open Enrollment. Call now, 716-693-6800.

Understanding Medicare Part D: The Benefits of Prescription Drug Coverage

Navigating the world of Medicare can be complex, but understanding Medicare Part D is essential for managing your healthcare costs effectively. Health Resources Insurance is here to help you understand the key benefits of enrolling.

What is Medicare Part D?

Medicare Part D is a prescription drug plan available to anyone who is eligible for Medicare. It provides coverage for both brand-name and generic prescription drugs, helping to reduce the cost burden of medications. You can enroll in a standalone Part D plan or choose a Medicare Advantage plan that includes Part D coverage.

Key Benefits of Medicare Part D

1. Cost Savings on Medications

One of the primary benefits of Medicare Part D is the significant cost savings on prescription drugs. With Part D coverage, you pay a fraction of the retail price for your medications, making it more affordable to manage chronic conditions and maintain your health.

2. Comprehensive Drug Coverage

Medicare Part D plans cover a wide range of medications, including those for common chronic conditions such as diabetes, high blood pressure, and heart disease. This comprehensive coverage ensures that you have access to the medications you need to stay healthy.

3. Protection Against High Costs

Part D plans include a catastrophic coverage phase, which provides additional financial protection if your drug costs are exceptionally high. After you reach a certain out-of-pocket spending limit, you’ll pay significantly lower costs for your medications for the rest of the year.

4. Flexibility and Choice

There are numerous Part D plans available, allowing you to choose one that best fits your needs and budget. You can compare different plans based on factors such as premiums, deductibles, and the list of covered drugs (formulary) to find the best option for you.

5. Peace of Mind

Having Medicare Part D coverage gives you peace of mind knowing that you are protected against unexpected prescription drug costs. This security allows you to focus on your health and well-being without worrying about the financial burden of your medications.

How to Enroll in Medicare Part D

Enrolling in a Medicare Part D plan is simple. You can sign up during your Initial Enrollment Period when you first become eligible for Medicare or during the Annual Enrollment Period from October 15 to December 7 each year. It’s important to review your options and choose a plan that covers your medications and fits your budget.

Need Help Choosing a Plan?

Selecting the right Medicare Part D plan can be overwhelming, but we’re here for you! Our agents are here to help you understand your options and find the plan that best meets your needs. Contact us today for personalized assistance and start saving on your prescription drugs!

Rock For Hope Event 2024

Because we all need a little HOPE from time to time.

Join us on Saturday, July 27th, from Noon to 4 PM at Banchetti by Rizzo’s (550 N French Rd, Buffalo, NY 14228) for an afternoon of music, hope, and community spirit at the Rock of Hope event.

This special event benefits the Western New York Chapter of the American Foundation for Suicide Prevention (AFSP), an organization dedicated to saving lives and bringing hope to those affected by suicide.

Enjoy the live tunes of the Tim Britt Band as we come together to raise awareness and funds for this critical cause. Suicide is the 11th leading cause of death in the United States, and through events like Rock of Hope, we aim to change that statistic.

By attending, you'll be supporting AFSP’s vital work in education, advocacy, and providing resources for those struggling and their loved ones. Your participation helps in the fight to reduce the stigma around mental health and ensure that those in need receive the support they deserve.

Here’s a few words from event organizers Rachel and Sarah:

“We are filled with an immense amount of gratitude by the support we have gotten over the last three years of our fundraising efforts through our Rock for Hope events. The last two years we have steadily sold out at capacity, so this year we are relocating to a bigger venue so that we can offer as much Hope as possible! Thank you for helping us come together in support of a common cause.”

Health Resources Insurance is once again happy to sponsor this very important event. Suicide has affected us personally, and we are here to honor those we have lost, and help those that are still here.

Let’s make a difference together. Mark your calendars and join us for a day of inspiration, music, and community solidarity at Rock of Hope. Together, we can bring hope to those affected by suicide and work towards a brighter, safer future for all.

The Importance of Mental Health Awareness for Older Adults in Western New York

May is Mental Health Awareness Month, so we wanted to speak about something near and dear to us at Health Resources Insurance, Mental Wellness.

As we age, maintaining good mental health becomes increasingly vital. For older adults in Western New York, this issue is particularly significant given the region's harsh winters, often humid summers, and lack of public transportation.

Mental health awareness can profoundly impact the quality of life for seniors, ensuring they enjoy their golden years with dignity, happiness, and a strong sense of community.

The Unique Challenges We May Face

There are several unique challenges that can affect our mental health, including:

• Isolation: Many older adults live alone or in isolated rural areas. The long, harsh winters in Western New York can exacerbate feelings of loneliness and isolation, leading to depression and anxiety.

• Health Issues: Chronic illnesses, mobility issues, and the natural aging process can lead to a decline in physical health, which is often closely linked to mental well-being. Western New York is unfortunately a leader in cancer rates.

• Financial Stress: Fixed incomes and rising healthcare costs can create financial stress, adding to the burden on mental health.

• Grief and Loss: The loss of loved ones, friends, and even pets can lead to profound grief and depression.

The Importance of Mental Health Awareness

Raising awareness about mental health issues among older adults is crucial for several reasons:

1. Early Detection and Treatment: Awareness helps in recognizing the signs of mental health issues early. Conditions like depression and anxiety are often overlooked in older adults, with symptoms attributed to aging rather than treatable mental health conditions. Early detection allows for timely intervention, which can significantly improve outcomes.

2. Reducing Stigma: Mental health stigma can be particularly strong among older generations, who may be less likely to seek help due to cultural attitudes or lack of awareness. By promoting mental health awareness, we can reduce this stigma and encourage more seniors to seek the help they need.

3. Improving Quality of Life: Mental health has a direct impact on the overall quality of life. By addressing mental health issues, older adults can enjoy improved social interactions, better physical health, and a more positive outlook on life.

4. Community Support: Creating a community that understands and supports mental health issues is essential. Local organizations, healthcare providers, and social groups can work together to provide resources, support, and companionship for older adults.

Resources Available in Western New York

Western New York is fortunate to have numerous resources dedicated to supporting the mental health of older adults:

• Compeer Buffalo: Offers various programs and services aimed at promoting mental wellness.

• Erie County Senior Services: Provides information, support, and services to older adults, including mental health resources.

• Local Support Groups: Various community centers and churches host support groups for older adults dealing with mental health issues.

Conclusion

Mental health awareness for older adults is an essential aspect of ensuring a happy, healthy, and fulfilling life. In Western New York, where unique challenges exist, raising awareness and providing robust support systems can make a significant difference. By recognizing the importance of mental health, we can help older adults live their best lives, surrounded by a compassionate and understanding community.

Understanding Medicare Part A: Coverage and Enrollment Tips

What Is Medicare Part A?

Medicare Part A is a critical component of the United States' healthcare system, primarily covering inpatient hospital care, skilled nursing facility care, hospice, and some home health care services. For most people, Part A is premium-free if they or their spouse have paid Medicare taxes for at least ten years. Here's a closer look at what Medicare Part A covers and how you can enroll in Medicare even if you are not in a standard enrollment period.

What Does Medicare Part A Cover?

Medicare Part A offers substantial coverage for:

• Inpatient Hospital Stays: This includes semi-private rooms, meals, general nursing, and drugs as part of your inpatient treatment.

• Skilled Nursing Facility Care: After a qualifying hospital stay, Part A covers certain skilled nursing facility care, such as physical therapy or intravenous injections.

• Home Health Services: Limited home health care services, including part-time skilled nursing care and physical therapy, are covered under specific conditions.

• Hospice Care: For those who are terminally ill, Part A covers hospice care, including pain relief and support services.

Enrolling in Medicare Part A Outside Standard Enrollment Periods

While the Initial Enrollment Period (IEP) and the General Enrollment Period (GEP) are the most common times to sign up for Medicare, there are special scenarios where you can enroll outside these periods.

1. Initial Enrollment Period (IEP): This seven-month period begins three months before you turn 65, includes your birth month, and ends three months after.

2. General Enrollment Period (GEP): From January 1 to March 31 each year, with coverage starting on July 1.

3. Special Enrollment Period (SEP): You can qualify for an SEP if you meet certain conditions, allowing you to enroll without penalty. Here are common scenarios that grant an SEP:

   • Employment-Based Insurance: If you or your spouse are still working and covered under a group health plan through that employment, you can enroll in Medicare Part A anytime while covered by the group plan or during the eight months following the end of employment or coverage, whichever comes first.

   • Disability: Those who receive disability benefits from Social Security or the Railroad Retirement Board become eligible for Medicare after 24 months of disability benefits. Enrollment can occur any time during the period you’re receiving these benefits.

Reach out to our Team

While we try to be as thorough as possible, we understand that all of this information can be a lot! Here at Health Resources Insurance, we’re ready to meet you in your home, or our office, to go over your specific Medicare planning. Give us a call today to speak with one of our experienced agents.

Tips for Seniors and the Western New York Solar Eclipse

On Monday, April 8th, Western New York will be in the direct path of totality of the solar eclipse. This once in a lifetime celestial event will usher in over 1 million tourists to the Buffalo/ Niagara Falls area, and while this 1 day solar event is only few minutes long, we have to anticipate a long weekend of extra traffic, tourist activity, and increased volumes at grocery stores, hospitals, and other popular areas. 

While witnessing such a phenomenon can be an unforgettable experience, ensuring the safety and well-being of seniors should be a top priority. Here are some essential tips to safeguard older individuals during a solar eclipse:

• Stay Home if You Can: With over a million tourists coming to our area, it might be best to just stay home, and observe the eclipse from your yard! Prepare over the weekend by shopping for food, medication, and other needs before the day of the big event. Reach out to neighbors, or friends in walking distance, to have a little party! 

• Eye Protection: One of the most critical aspects of eclipse safety is protecting the eyes from harmful solar radiation. As we age, our eyes may be more sensitive to bright light, but everyone should wear certified eclipse glasses or use solar filters on telescopes or binoculars when observing the event. These precautions help prevent irreversible damage to the retina. Solar eclipse glasses are to be worn over our prescription glasses. Never look directly at the sun! 

• Plan Transportation Carefully: If you are planning on traveling to a specific location to view the eclipse, ensure you have a safe and comfortable means of transportation. Consider giving yourself plenty of time for travel as traffic will be heavy all day on Monday. 

• Review Medication Needs: Some medications can increase sensitivity to sunlight or have adverse effects when exposed to intense sunlight. Do some research, or consult your healthcare providers before the eclipse to review your medication needs and make any necessary adjustments to their regimen!

By following these safety guidelines, we can enjoy the wonder of a solar eclipse while minimizing potential health risks!

Ageless Smiles and Clear Visions: The Fountain of Youth after 65

Hey there, Health Resources Insurance guest! Today, let's talk about the magic that happens when we take a little extra care of two often-neglected superheroes in our aging bodies - our eyes and pearly whites! We're diving into the world of maintaining vision and dental health, and trust me, it's the secret sauce to unlocking the fountain of youth after 65!

1. Eyes that Sparkle with Wisdom: As we gracefully glide into our golden years, our eyes, the windows to the soul, need a bit more love and attention. Regular eye check-ups become the unsung heroes, ensuring you can keep reading those heartwarming novels, watching adorable cat videos, and spotting your grandkids from a distance. Believe me, there's a special kind of joy in seeing the world with clarity, and it's not just about finding your glasses (although that's pretty important too!).

2. Dental Delights for a Radiant Smile: Picture this: You're flashing a megawatt smile that could light up a room. Now, imagine doing that with a set of healthy, happy teeth. Ah, the perks of dental wellness! Beyond just looking fabulous in photos, maintaining your dental health can make eating a delightful experience, ensuring you savor every bite of that scrumptious apple pie or those savory snacks at family gatherings. It's like giving your taste buds a front-row seat to the symphony of flavors.

3. Overall Health Wellness - The Triple Treat: But wait, there's more! Taking care of your eyes and teeth isn't just about vanity. It's the golden ticket to overall health wellness. Did you know that poor oral health has been linked to various health issues, including heart disease and diabetes? And those regular eye check-ups? They can catch early signs of serious conditions like diabetes and hypertension. It's like your eyes and teeth are the Sherlock Holmes and Dr. Watson of your health, solving mysteries before they even start.

4. A Social Life That Shines: Let's not forget the social perks! A radiant smile and sharp vision can be your VIP pass to endless social gatherings. Engaging conversations, hearty laughter, and heartfelt smiles become the currency of your vibrant social life. After all, who wouldn't want to be around someone with a dazzling smile and eyes that twinkle with wisdom?

In a nutshell, folks, taking care of your eyes and teeth is like investing in your personal time machine. It not only adds years to your life but ensures those years are filled with joy, good health, and a whole lot of reasons to keep smiling. So, let's raise a toast to the ageless wonders of maintaining vision and dental health - here's to a future filled with laughter, love, and a set of pearly whites that shine brighter than ever! Cheers to the golden years! 🌟

Why you should maximize your Medicare Experience with the Medicare Advantage Plan

Hey there, savvy health enthusiast! Let's dive into a topic that's all about maximizing your Medicare experience – the Medicare Advantage Plan. Think of it as the superhero cape for your healthcare journey. 

Settle in, grab a cup of coffee, or a glass of wine, and let's chat about the perks of choosing a Medicare Advantage Plan and how we can help you find the perfect one during this general enrollment period! 

What's the Buzz About Medicare Advantage?

So, you've probably heard about Original Medicare, right? Parts A and B, covering hospital stays, doctor visits, and the essentials. Now, imagine a plan that combines all that good stuff and adds a few extra benefits into the mix – that's the Medicare Advantage Plan.

The All-in-One Magic Wand

Medicare Advantage Plans (or Part C) are like the Swiss Army knife of healthcare. They typically include everything in Original Medicare, but here's where the magic happens – many plans also cover prescription drugs (Part D), and some even throw in extras like vision, dental, and wellness programs. It's like getting the whole health package with a bow on top!

Cost-Effective Wonders

One of the fantastic aspects of Medicare Advantage is the potential for cost savings. Many plans have a cap on out-of-pocket expenses, giving you financial peace of mind. Plus, some plans come with low or even zero-dollar premiums, leaving a little extra cash in your pocket for that weekend getaway to see the grandkids, or a fancy dinner!

The Freedom to Choose

Flexibility is the name of the game with Medicare Advantage. Unlike a strict one-size-fits-all approach, these plans often allow you to choose from a network of doctors and specialists. Plus, some plans may cover services outside the network in certain situations. It's all about giving you the power to make decisions that fit your unique needs. Give our medicare agents a call today to make the best choice! 

Let's Wrap It Up

Choosing a Medicare Advantage Plan is like customizing your health coverage to suit your lifestyle. It's a personalized journey toward wellness, with added bonuses and potential savings. So, when you're exploring your Medicare options, don't forget to give us a call to discuss all your options! 

Remember, the best plan is the one that fits YOU like a glove. Here's to a healthier, happier you with the superpowers of Medicare Advantage! 🌟

Goodbye 64, Hello Medicare Initial Enrollment Period 👋

Are you approaching the age of 65 or have recently turned 65? It's time to delve into the intricacies of Medicare and take advantage of the Initial Enrollment Period (IEP). This critical window ensures you get the healthcare coverage you need as you transition into this new phase of life.

Understanding the Medicare Initial Enrollment Period (IEP)

The Medicare Initial Enrollment Period is a seven-month window that begins three months before the month you turn 65, includes the month you turn 65, and extends for three months after your birthday month. This period is crucial, as it allows you to enroll in Medicare Parts A and B and potentially other coverage options without facing penalties.

Key Steps to Navigate the IEP Successfully:

1. Know Your Eligibility: Determine your eligibility by giving us a call! Most individuals become eligible at 65, but certain circumstances may allow for earlier enrollment.

2. Enroll in Medicare Parts A and B: During the IEP, you can sign up for Medicare Part A (hospital insurance) and Part B (medical insurance). It's essential to enroll in both to ensure comprehensive coverage.

3. Consider Additional Coverage: While Parts A and B cover many healthcare expenses, they may not cover everything. Explore additional coverage options like Medicare Advantage (Part C), Medicare Prescription Drug Plans (Part D), or Medigap (Medicare Supplement Insurance) to enhance your benefits.

4. Avoid Late Enrollment Penalties: Missing the IEP deadline may result in late enrollment penalties, so it's crucial to enroll on time. If you're still covered by an employer's health plan, you may qualify for a Special Enrollment Period (SEP) when you retire.

5. Let us help: Let our agents help you find your best coverage options. We make house calls to ensure your comfortability and access to documents in your own home. Give us a call at 716-693-6800, Monday-Friday 9am-5pm, or email us any time at, office@srhlth.com to set up an appointment!

Maximizing Your Health Coverage: A Guide to Medicare General Enrollment Period 2024

The world of healthcare can be complex, especially when it comes to navigating the ins and outs of Medicare. One crucial aspect to be aware of is the General Enrollment Period (GEP), an essential window of opportunity for individuals to enroll in Medicare or make changes to their existing coverage.

Understanding the Medicare General Enrollment Period: The Medicare General Enrollment Period occurs annually, running from January 1 to March 31. It serves as a lifeline for those who missed their Initial Enrollment Period (IEP), which typically begins three months before an individual turns 65. If you find yourself outside the IEP and haven't enrolled in Medicare, the GEP is your chance to catch up.

Key Features of the General Enrollment Period:

1. Eligibility and Timing:

   • Anyone who missed their Initial Enrollment Period can take advantage of the General Enrollment Period.

   • The GEP allows enrollment in Medicare Parts A and B.

2. Coverage Considerations:

   • During the GEP, beneficiaries can sign up for original Medicare (Parts A and B), and if desired, they can also explore additional coverage options.

   • This period is an excellent opportunity to consider Medicare Advantage plans (Part C) or Prescription Drug plans (Part D) to enhance your overall healthcare coverage.

3. Avoiding Penalties:

   • While the GEP offers a second chance to enroll, it's crucial to note that delaying enrollment in Medicare may lead to permanent late penalties in the form of higher premiums.

   • Understanding the potential penalties and taking action during the General Enrollment Period can save you money in the long run.

Tips for Making the Most of the GEP:

1. Research Your Options:

   • Explore the various Medicare plans available, including Original Medicare, Medicare Advantage, and Prescription Drug plans.

   • Consider your healthcare needs and budget to determine the most suitable coverage for you.

2. Plan Ahead:

   • Mark your calendar for the GEP and begin gathering the necessary documentation for enrollment.

   • Allow us to help you research and decide on the right plan to avoid last-minute confusion.

3. Consult with Experts:

   • Reach out to us! Our agents at Health Resources Insurance will provide you personalized advice based on your specific situation.

Thanksgiving Tips for Seniors

Thanksgiving can be a wonderful time to connect with loved ones and enjoy the holiday spirit. Here are some tips tailored to seniors to ensure they have a safe, enjoyable, and meaningful Thanksgiving.

Plan Ahead: From rides, to dietary restrictions, to comfy seating, it’s best to think ahead for Thanksgiving visits. 

• For older guests who don’t drive, make sure to set up rides for pick up or drop off. This will remove stress from the holiday! 

• Ask ahead for dietary restrictions as nuts and other allergy prone foods are often found during Thanksgiving feasts. A trip to the ER should not be on the menu

• Seats can be made more comfortable with cushions. Uncluttered walkways help prevent tripping hazards! 

Mindful Eating: Thanksgiving has a reputation for overeating and lazily lying on the couch. There’s some other things we can do to not overeat, upset our stomachs, and feel great the next day. 

• Practice slower, mindful eating, making sure to drink plenty of water while eating. 

• Moderate your intake of alcohol, and offer festive mocktails for a seasonal alternative! 

• Head out for a walk, or do a couple laps around the house if the weather is not cooperating. Stretching or chair yoga positions are great for digestion! 

Encourage Gratitude and Reflection: Foster an atmosphere of gratitude and reflection. 

• Encourage everyone to share what they are thankful for, creating a warm and inclusive environment.

• Thanksgiving is about fostering connections and making cherished memories. By being considerate of everyone’s needs and preferences, you can ensure they have a delightful and meaningful Thanksgiving celebration.