Thanksgiving Day

Today is a day to be grateful for all the blessings we have in this great country of ours. I am grateful to have been born in America. I love our country, our freedoms and our constitution. I love my family and although we are far apart this year, another family has opened their heart to add one more to their table of ten.
I am grateful to know and love a God who has the whole world in His hands. Yesterday, I experienced a miracle and it is so comforting to know He is in control during this difficult time.
May our blessings continue to enable us to live in freedom and liberty as we prioritize God, Country, and Family. May we never take what we have for granite.

November 2, 2020

We now have the individual and group insurance open enrollment which started November 1 and goes until December 15 with an effective date of January 1, 2021. I have a tab for Mountain Health Coop on my site where you can go in and see what your rates will be with the coverage you choose. I hope that is helpful. Please call me if you want to sign up.
The Medicare Annual Enrollment Period is in full swing and will end on December 7, 2020, with an effective date of January 1, 2021. If you have a Medicare Advantage Plan like BC of MT or Humana and would like to switch to a Medicare Supplement plan this is the time to do it. If you are a Veteran and would like a Medicare Advantage Plan C (without drug prescription) this is the time to sign up and I am here to help you. Remember also, you can pick up a dental plan anytime during the year but if you don’t have one…it is best to pick up a plan before you head to the dentist. Please see the tab on Spirit Dental as they have next day coverage. Short-term coverage with GTL is also available anytime during the year but please don’t wait. You need insurance before something happens not after the fact.

AEP starts today, October 15 and runs to December 7, 2020

So if you have a Medicare Advantage Plan, either Part C & D or just Part D (prescription drugs) this is called Annual Enrollment Period and it’s the time when you can shop around and see if you can lower your premium. The effective date will kick in on January 1, 2021. Every year there are a lot of changes including new companies coming into the Medicare arena. If you need help shopping or have questions to ask, call me. I am happy to help you at no charge.

Spirit Dental Brochure for Montana

Here is the Spirit Dental brochure for Montana. If you want to call them direct to get information their number is 800-620-5010 CST. Let them know you heard of them from me, Holly Clark as I am appointed by them and they will give me credit. The sign up process is easy. I’ve done myself.

https://spiritdental.com/docs/default-source/planbrochures/sd-allplans-mt

10/12/20 Let’s talk about Dental/Vision Insurance

Did you know that 74 million Americans do not have dental insurance? I am appointed by Direct Dental owned by Ameritas. The plan in Montana that is available is called Spirit Dental. I have a plan through them myself. Here is the Montana brochure (if you call 800-620-5010, be sure and tell them you found out about them through my website and give them my name Holly Clark. I will get credit when they help you sign up):
https://spiritdental.com/docs/default-source/planbrochures/sd-allplans-mt

10/5/2020 GM

In 10 days, the Annual Enrollment Period begins for Medicare clients. During this time until December 7th, folks who are on Medicare Advantage Plans or Supplements can change their plan. It will become effective on January 1, 2021. Medicare Advantage Plans are relative to the county you live in so it is important to due to your homework and make sure your plan, doctor, and hospital have not changed. Medicare Supplements or “gap” Plans are tied to the state you live in. If your premium has gone up and you are able to answer all the health questions with a “No” you can find another Medicare Supplement with a lower premium that is equal to the plan your on or less. One important thing to remember is if you move out of your county, you may need to shop for another Medicare product. You have 60 days to make this change. If you have a Medicare Supplement Plan you won’t have to because it is usable in all 50 states. I moved from OR to MT and shopped to see if premiums were lower and they were. I was healthy and could answer all the health questions with “No” and I saved over $50 a month by changing insurance companies but staying with Plan G. Make sure you are 100% covered. Medicare Part A & B are 80% coverage. If you have any questions about what I’ve written please call me. 406-293-2285.