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ACA Marketplace Renewal Notice: What It Is and Why You Should Read It

Sat, 25 Oct 2025 13:00:14 GMT

If you enrolled in health insurance through the ACA Marketplace (Healthcare.gov or your state exchange), there's a key document heading your way in the fall: your Renewal Notice .

It may not look like much — but it could affect your coverage, costs, and even your tax refund next year.

What is a Marketplace Renewal Notice?

Your Marketplace Renewal Notice outlines:

Changes in your monthly premium
Updates to your deductible or copays
Whether you’ll be automatically renewed in your current plan
Estimated subsidy amounts based on your latest income information

It's your preview of what’s ahead for the next plan year — and it gives you time to shop before the Open Enrollment Period begins on November 1.

When will I get it?

Most insurers send renewal notices in October or early November .

If you used the federal Marketplace (HealthCare.gov), the Open Enrollment Period runs November 1 through January 15 in most states.

If your state runs its own exchange (like Covered California or NY State of Health), dates may vary slightly.

How do I read it?

Your notice will explain:

Whether your current plan is being offered again
What your new premium and out-of-pocket costs will be
Whether your premium tax credits are changing (based on income)
Whether you’ll be automatically re-enrolled — or if you need to take action to retain insurance coverage

What should I look for?

Check the following:

Will your monthly premium change significantly?
Are your doctors and prescriptions still covered ?
Are your income and household details up to date ?
Are you in the right metal tier (Bronze, Silver, Gold, Platinum)?

Even if your plan will auto-renew, it’s important to update your income . Outdated income information could lead to incorrect subsidy amounts , which could affect your tax refund or tax bill .

Final Tip

Your Marketplace renewal notice is your heads-up to make sure your plan still fits your life and your budget. Use it as your cue to compare options and update your information — especially if your income, household size, or health needs have changed.

If you do nothing, you may be re-enrolled automatically — but that doesn’t mean it’s still your best option.

If you need help understanding your options, we are always here to help!

Food as Medicine: How Medicare Covers Medical Nutrition Therapy

Mon, 20 Oct 2025 13:00:12 GMT

When it comes to managing chronic conditions like diabetes or kidney disease, your diet isn't just a lifestyle choice — it’s a critical component of your treatment plan. That’s why Medicare covers a powerful benefit that many people overlook: Medical Nutrition Therapy (MNT).

What Is Medical Nutrition Therapy?

MNT is a specialized service provided by a registered dietitian or qualified nutrition professional to help manage or treat certain medical conditions through personalized nutrition plans. It’s not the same as a casual chat about healthy eating — it’s a clinically tailored program designed to support better outcomes through food and nutrition.

These services typically include:

Individualized nutrition and lifestyle assessments
Help managing lifestyle factors related to diabetes
Group and individual therapy and counseling sessions to help manage specific diseases like diabetes, chronic kidney disease (CKD), or after a kidney transplant
Follow-up visits to check on your progress

Who Qualifies?

Medicare Part B covers MNT services for beneficiaries who:

Have diabetes
Have kidney disease
Have had a kidney transplant in the last 36 months
Receive a referral from their treating physician

And here’s the best part: if the provider accepts Medicare assignment, you pay nothing out of pocket — no deductible or coinsurance applies.

Why Nutrition Therapy Matters

For people managing chronic illness, food can be both a burden and a blessing. The wrong foods may spike blood sugar, increase blood pressure, or worsen kidney function. But the right plan — developed with a registered dietitian — can empower patients to take back control.

Studies suggest MNT may help manage certain symptoms and support health for people with diabetes or kidney disease, as well as enhance overall energy, wellness, and quality of life.

And because these visits are covered under Medicare Part B, it’s a benefit that’s both powerful and accessible.

How to Use This Benefit

Ask your doctor for a referral to a Medicare-approved dietitian or nutrition professional.
Schedule your sessions — typically up to 3 hours of one-on-one counseling your first year, and 2 hours each year after that. If your medical condition changes during the year, your doctor may provide a referral for additional hours.
Make it a habit — like any therapy, consistency is key. Use these sessions to build and refine a sustainable plan.

You may also be able to access these services via telehealth if you're located in a rural area.

Tip: Combine MNT with Diabetes Self-Management Training

If you have diabetes, you may also qualify for Diabetes Self-Management Training (DSMT), another Medicare-covered service that complements MNT. Your doctor can help determine if you’re eligible for both.

Final Thought

Medical Nutrition Therapy is more than just a covered service. It’s an often-overlooked benefit that can make a meaningful difference in managing chronic conditions and improving length and quality of life.

If you qualify, take advantage of it. Ask your provider about a referral today, or visit Medicare.gov to learn more.

Note: This article refers to benefits under Original Medicare (Part B). If you are enrolled in a Medicare Advantage plan, coverage and access may vary. Check with your plan provider for details.

October is Breast Cancer Awareness Month

Wed, 15 Oct 2025 19:17:49 GMT

Every October, we come together to raise awareness about breast cancer—an illness that affects 1 in 8 women in the U.S. during their lifetime. It’s a time to educate, support, and take proactive steps to protect our health and the health of those we love.

Whether you’re a survivor, caregiver, or someone who simply wants to stay informed, Breast Cancer Awareness Month is a powerful reminder to take early detection seriously—and to make sure you have both a health plan and a financial plan that can support you during times of crisis.

Remember: Awareness is just the first step— action is what saves lives .

Why Early Detection Matters

Catching breast cancer early can make a life-saving difference. The 5-year relative survival rate for localized breast cancer (when it hasn’t spread beyond the breast) is 99% , according to the American Cancer Society.

Here’s how you can be proactive:

Schedule your annual mammogram if you're over 40 or earlier if you have a family history.
Do monthly breast self-exams to familiarize yourself with any changes.
Talk to your doctor about risk factors, especially if breast cancer runs in your family.
Don’t delay care —even if you feel healthy, routine screenings are essential.

Insurance and Preventive Screenings

The good news? Most health insurance plans, including Medicare, cover screening mammograms at no cost to you as a preventive service.

Financial Protection During a Health Crisis

A breast cancer diagnosis doesn’t just affect your health—it can impact your income, lifestyle, and long-term plans.

That’s why many individuals and families consider these types of coverage:

1. Cancer Insurance

This specialized policy provides benefits specifically for cancer diagnoses. Depending on the plan, it may cover costs like treatments, hospital stays, transportation, or even everyday living expenses while you focus on recovery. Cancer insurance can work alongside your health plan to help reduce out-of-pocket burdens.

2. Critical Illness Insurance

This coverage provides a lump-sum cash payment if you’re diagnosed with a covered condition like breast cancer. You can use the funds however you choose: from medical bills and travel expenses to household costs while you focus on recovery.

3. Disability Insurance

If treatment or recovery time prevents you from working, disability coverage can help replace a portion of your income so you can stay financially afloat.

4. Life Insurance with Living Benefits

Some life insurance policies offer living benefits or riders that allow you to access part of your death benefit while still alive, in case of a serious illness. This can be a flexible way to support your care plan without dipping into savings.

A Conversation Worth Having

Breast Cancer Awareness Month isn’t just about wearing pink—it’s about starting conversations.

Encourage a loved one to schedule a screening.
Ask your employer about cancer coverage options.
Review your current insurance plans to make sure they reflect your needs today—not just the needs you had 10 years ago.

You don’t have to navigate health or financial questions alone. Whether you want to learn more about your coverage, explore supplemental protection, or help a family member get prepared—we’re here to help you.

This October, Breast Cancer Awareness Month is a good reminder to take a moment to prioritize your health and review your financial safety net.

ACA Marketplace Renewal Notice: What It Is and Why You Should Read It

Fri, 26 Sep 2025 14:00:04 GMT

If you enrolled in health insurance through the ACA Marketplace (Healthcare.gov or your state exchange), there's a key document heading your way in the fall: your Renewal Notice .

It may not look like much — but it could affect your coverage, costs, and even your tax refund next year.

What is a Marketplace Renewal Notice?

Your Marketplace Renewal Notice outlines:

Changes in your monthly premium
Updates to your deductible or copays
Whether you’ll be automatically renewed in your current plan
Estimated subsidy amounts based on your latest income information

It's your preview of what’s ahead for the next plan year — and it gives you time to shop before the Open Enrollment Period begins on November 1.

When will I get it?

Most insurers send renewal notices in October or early November .

If you used the federal Marketplace (HealthCare.gov), the Open Enrollment Period runs November 1 through January 15 in most states.

If your state runs its own exchange (like Covered California or NY State of Health), dates may vary slightly.

How do I read it?

Your notice will explain:

Whether your current plan is being offered again
What your new premium and out-of-pocket costs will be
Whether your premium tax credits are changing (based on income)
Whether you’ll be automatically re-enrolled — or if you need to take action to retain insurance coverage

What should I look for?

Check the following:

Will your monthly premium change significantly?
Are your doctors and prescriptions still covered ?
Are your income and household details up to date ?
Are you in the right metal tier (Bronze, Silver, Gold, Platinum)?

Final Tip

If you do nothing, you may be re-enrolled automatically — but that doesn’t mean it’s still your best option.

If you need help understanding your options, we are always here to help!

How to Prepare for ACA Open Enrollment (OEP)

Mon, 22 Sep 2025 15:00:11 GMT

The Open Enrollment Period (OEP) for ACA (Affordable Care Act) health insurance runs from November 1 to January 15. This is your window to enroll in a new plan, renew your current one, or make changes to better fit your needs for 2026.

Here’s how to get ready:

1. Review Your Current Coverage

Take a moment to think about how your plan worked for you this year. Were your doctors in-network? Did your prescriptions cost more than expected? Make a list of what worked — and what didn’t.

2. Update Your Information

We will need the following:

A list of your current prescriptions (with dosage)
Names of your doctors and specialists
Preferred pharmacies

This helps us match you with the best plans available.

3. Watch for Your ANOC

If you’re currently enrolled in a plan, your carrier will send you an Annual Notice of Changes (ANOC) in late September. It outlines any changes in your coverage or costs. Don’t ignore it — these changes could affect your care in 2026.

4. Stay Alert for Scam Communications

OEP is a popular time for scammers to target consumers with misleading calls, emails, and ads. If something seems off, check with your trusted agent before responding.

5. Be Ready to Schedule Your Appointment

We’ll begin sending notices soon to schedule an appointment to review your coverage. Appointments can start after October 1. Keep an eye out for communications from us so we can help you review your options and find the best fit.

Need help or have questions?

We’re here to guide you through the process and make sure you’re confident in your 2026 coverage. Give us a call!

The ANOC for Medicare Advantage Enrollees: Why It’s Important

Tue, 16 Sep 2025 13:00:02 GMT

The Annual Notice of Change (ANOC) is a letter your Medicare Advantage or Part D plan sends each year to explain what’s changing in your plan for the next calendar year — usually things like:

Monthly premiums
Deductibles and copays
Prescription drug coverage
Network providers
New extra benefits (vision, dental, hearing, etc.)
Reduced or eliminated benefits

Even if you’re happy with your current plan, these changes can impact your care or costs — so it’s worth the few minutes to take a look.

When should I expect it?

Your Medicare Advantage or Part D plan must send your ANOC by September 30 each year. This gives you time to review changes before the Medicare Open Enrollment Period starts on October 15.

How do I read it?

Most ANOCs include a side-by-side comparison showing “This Year” vs. “Next Year.” Use it to quickly spot increases in your:

Monthly premium
Annual deductible
Copay or coinsurance amounts
Drug coverage tiers

Also, check to see if your doctors and pharmacies are still in-network , and whether any extra benefits have been added or removed.

We also suggest reviewing the plan’s formulary (list of covered drugs) for next year to see if your drugs will continue to be covered, and in which tier they are covered. You can see a copy of the 2026 formulary on the Medicare Plan Finder at www.medicare.gov , or the plan’s website.

What should I look for?

Ask yourself:

Are your prescriptions still covered and affordable?
Are your doctors still in the network?
Are your benefits changing, like dental, vision, or fitness perks?
Are your out-of-pocket costs going up?

If the answer to any of those is “yes,” you may want to compare plans during the Open Enrollment Period: October 15 – December 7 (in most states).

Final Tip

Even if you don’t plan to change plans, the ANOC is your early warning system . It tells you if your coverage is still a good fit before the new year begins.

You don’t have to re-enroll in your current plan— but this is your chance to shop for a different plan if your needs (or your plan) have changed.

If you would like help understanding your options, we are always here to help!

Preparing for Medicare AEP: Avoiding These Mistakes

Fri, 12 Sep 2025 21:40:49 GMT

Avoid common mistakes during Medicare's Annual Enrollment Period. Learn what to look for and how to ensure you have the right coverage for 2025.

Make the most of the season by following these simple guidelines

websitehelp@agencybloc.com (Agency Bloc) — Fri, 12 Sep 2025 21:35:43 GMT

The new season is a great reason to make and keep resolutions. Whether it’s eating right or cleaning out the garage, here are some tips for making and keeping resolutions.

Make a list

Lists are great ways to stay on track. Write down some big things you want to accomplish and some smaller things, too.

Check the list regularly

Don’t forget to check in and see how you’re doing. Just because you don’t achieve the big goals right away doesn’t mean you’re not making progress.

Reward yourself

When you succeed in achieving a goal, be it a big one or a small one, make sure to pat yourself on the back.

Think positively

Positive thinking is a major factor in success. So instead of mulling over things that didn’t go quite right, remind yourself of things that did.

Keep in touch with site visitors and boost loyalty

websitehelp@agencybloc.com (Agency Bloc) — Fri, 12 Sep 2025 21:35:43 GMT

There are so many good reasons to communicate with site visitors. Tell them about sales and new products or update them with tips and information.

Here are some reasons to make blogging part of your regular routine.

Blogging is an easy way to engage with site visitors

Writing a blog post is easy once you get the hang of it. Posts don’t need to be long or complicated. Just write about what you know, and do your best to write well.

Show customers your personality

When you write a blog post, you can really let your personality shine through. This can be a great tool for showing your distinct personality.

Blogging is a terrific form of communication

Blogs are a great communication tool. They tend to be longer than social media posts, which gives you plenty of space for sharing insights, handy tips and more.

It’s a great way to support and boost SEO

Search engines like sites that regularly post fresh content, and a blog is a great way of doing this. With relevant metadata for every post so search engines can find your content.

Drive traffic to your site

Every time you add a new post, people who have subscribed to it will have a reason to come back to your site. If the post is a good read, they’ll share it with others, bringing even more traffic!

Blogging is free

Maintaining a blog on your site is absolutely free. You can hire bloggers if you like or assign regularly blogging tasks to everyone in your company.

A natural way to build your brand

A blog is a wonderful way to build your brand’s distinct voice. Write about issues that are related to your industry and your customers.

Tips for writing great posts that increase your site traffic

websitehelp@agencybloc.com (Agency Bloc) — Fri, 12 Sep 2025 21:35:43 GMT

Write about something you know. If you don’t know much about a specific topic that will interest your readers, invite an expert to write about it.

Speak to your audience

You know your audience better than anyone else, so keep them in mind as you write your blog posts. Write about things they care about. If you have a company Facebook page, look here to find topics to write about

Take a few moments to plan your post

Once you have a great idea for a post, write the first draft. Some people like to start with the title and then work on the paragraphs. Other people like to start with subtitles and go from there. Choose the method that works for you.

Don’t forget to add images

Be sure to include a few high-quality images in your blog. Images break up the text and make it more readable. They can also convey emotions or ideas that are hard to put into words.

Edit carefully before posting

Once you’re happy with the text, put it aside for a day or two, and then re-read it. You’ll probably find a few things you want to add, and a couple more that you want to remove. Have a friend or colleague look it over to make sure there are no mistakes. When your post is error-free, set it up in your blog and publish.