We Make Insurance Easy

One of the things we love most about Louisiana is that people still know how to talk to each other.

You stop, catch up, ask about each other's families, and a five-minute conversation turns into twenty.

There’s something really good about living in a place where relationships still matter, and we hope that never changes.

This is exactly the kind of question we hear when people start looking through their ANOCs! ✉️

But the first thing we'd want you to know is that the medication itself may not have suddenly gotten more expensive. There are a few things you want to look at:

1. Did your plan move that prescription to a different drug tier?

2. Did the plan change how it covers that medication?

3. Is your pharmacy still one of the plan’s preferred pharmacies?

4. Is there another version of the medication your plan covers differently?

This is why we tell people not to look at their ANOC and only ask, “Did my premium change?” because sometimes the change that matters most to you is actually buried a few pages deeper.

If you want to find out why the RX cost changed and what options you actually have, reach out to our team today!

(888) 889-3279

If you're anywhere on the Mississippi Gulf Coast (Mississippi, Texas, and Louisiana), Chris Ryle is your guy!

Chris and his entire team provide a personalized approach to insurance to make sure it actually fits your specific needs. And when you learn a little more about Chris, it’s easy to see where that commitment to serving people comes from.

Before entering the insurance industry, Chris spent more than two decades in law enforcement, ultimately serving as Chief of Police. He also served our country through the United States Coast Guard Reserve, retiring as a Chief Petty Officer.

Today, he brings that same commitment to service, integrity, communication, and simply being there when people need you to his insurance agency.

Whether his team is helping a senior understand their Medicare options, a family find health or life insurance, or a business navigate benefits, their approach is simple: take the time to explain the options, answer the questions, and help people find coverage that actually makes sense for them.

We're so thankful to partner with incredible agencies like Chris's across the region to bring great agents, policies, and products to the people we serve.

If you're in Chris' neck of the woods, check out everything they have to offer at ryleinsurance.com.

Did you recently get something called an ANOC, but you have no idea what to do with it? 🙃

ANOC = Annual Notice of Change. This is a document sent by Medicare Advantage or Part D plans. It breaks down the coverage and cost updates for the upcoming year that you'll see.

But it's honestly very difficult to make heads or tails of! So, let us help. Bring in your ANOC to any of our local agencies, or give us a call, and we'll walk you through it.

☎️ (888) 889-3279

The Annual Enrollment Period for Medicare starts one month from today! 🚨

Don't wait to ask questions and figure out the best coverage option. Start planning now so you're ready to go on October 15th and save yourself the headache later.

Give us a call at (888) 889-3279 or download our free guide at wemakeinsuranceez.com!

If you have a Medicare Advantage or Part D prescription drug plan, you may be getting an important piece of mail soon, and that's your Annual Notice of Change, or ANOC for short. It's not spam, and you don't want to throw it away.

Your ANOC explains what is changing with your current plan for the upcoming year. You don’t have to read every word from front to back, but there are a few things we always recommend checking:

Your costs: Are your premium, deductible, copays, or other out-of-pocket costs changing?

Your prescriptions: Are the medications you take still covered? Have they moved to a different tier or changed in cost?

Your benefits: Are things like dental, vision, hearing, transportation, or other extra benefits changing?

Your coverage: Are there changes that could affect the doctors, pharmacies, or services you regularly use?

Even if you’ve loved your plan this year, don’t assume everything will stay the same next year. Plans can change from one year to the next, and your ANOC is your heads-up.

Not sure what yours means? That’s exactly what we’re here for. Bring us your ANOC, and we can help you understand what’s changing and whether there’s anything you need to do before the new year!

September is National Life Insurance Month, and if we could sit down over a cup of coffee right now, here are 5 things we'd love to share with you about it. ⬇️

1. Life insurance through your job may not follow you when you leave. Employer-provided coverage is a great benefit, but depending on the policy, you could lose it when you change jobs or retire. It’s worth knowing exactly what you have rather than assuming you’re covered for the long haul.

2. Your beneficiary designation can matter more than what your will says. This surprises a lot of people. Life insurance generally pays the beneficiary listed on the policy, so keeping those designations current is important, especially after a marriage, divorce, birth, death, or other major life change.

3. Some life insurance policies can provide benefits while you're still living. Depending on the policy and its riders, you may be able to access a portion of the death benefit in certain circumstances, such as a qualifying terminal or chronic illness. Life insurance isn't always exclusively about what happens after you die.

4. You can have more than one life insurance policy. Life insurance isn't necessarily a one-policy-and-you're-done situation. Some people carry multiple policies for different needs or periods of their lives, assuming they qualify and the total coverage is financially justified.

5. Life insurance generally isn't something you should set up and completely forget about. You don't necessarily need to change it every year, but it's smart to periodically make sure the coverage amount, policy type, and beneficiaries still make sense for the life you're living today.

If any of these things have sparked questions for you, we'd love to help. Reach out anytime at wemakeinsuranceez.com.