Open Enrollment & the Annual Election Period

Open Enrollment for individuals under Medicare Age (65) starts November 1st and runs through December 15th. In order to help you prepare for Open enrollment for 2019 we encourage you to ask yourself these questions:

How do I qualify for a marketplace subsidy or tax credit?

Why do I need Health Insurance?

Do I need to make a change for the 2019 plan year?

How do I enroll in a new health insurance plan?

How will Health Insurance affect my retirement?

If you are over 65 years old do you feel you need to make a change to your current Medicare coverage? The annual election period is an annual time for plan changes runs from  October 15th – December 7th. We would like you to ask yourselves the following questions:

Is your Medicare plan still functioning optimally?

What happens if your prescription needs changed?

Are you prepared for hidden cost through the rest of your retirement?

In addition, do we need to sit down and make some modifications to optimize your plan’s functionality?

If you notice you have a change from last year, or you are unsure on the answers we encourage you to take time to set up an appointment or attend one of our educational events to check your financial health related to health care costs. As a trusted financial professional and a licensed insurance agent, for over 15 years we can give you advice about your Health Insurance options and help you choose a plan that fits your budget and lifestyle. Request a consultation!

Upcoming Open Enrollment & Annual Election Period Educational Events!

How much is your health plan costing you? The Ins and Outs of Open Enrollment-
Solving the Medicare Puzzle, Medicare Made Easy-

Teach Your Grandchildren Important Lessons about Money

You may have dealt with money for more than half a century. You understand hard work, following a budget, saving money, and spending wisely. You possess a wealth of financial wisdom—at least in comparison to your grandchildren. As a grandparent, you can provide your grandchildren with sound, sage advice. READ MORE 

What’s So Important About Disability Insurance?

More than a quarter of Americans have some type of disability.[i] A disability is defined by the Centers for Disease Control and Prevention as “any condition of the body or mind (impairment) that makes it difficult for the person with the condition to do certain activities (activity limitation) and interact with the world around them (participation restrictions).”Although many of us make sure to get adequate coverage of other types of insurance, disability insurance may be one of the most important. READ MORE

Weathering a Financial Storm

Do you have important financial documents organized if a major storm hits or your basement floods?
Nolan McIntosh shares some advice for what you might need in the event of a natural disaster and how to be prepared on ABC12!

Resources For You

When Should You Change Your Life Insurance Policy? READ MORE
Is It Time for a ‘Paycheck Checkup’? READ MORE
Celebrating Women in Business READ MORE
College Money Mistakes WATCH NOW

“We make a living by what we get, but we make a life by what we give.” 

Winston Churchill

Take a Walk to Get Healthy

“But the beauty is in the walking—we are betrayed by destinations.” Gwyn Thomas, an ailing Welsh writer, may not have himself walked that much in his lifetime, but you get the idea.

Scholars, for centuries, have raved about walking’s benefits: physical, intellectual, and even philosophical. Some health care experts even assert that walking is superior to running; you avoid the potential for heel and joint injuries with low-impact walking.

The litany of walking’s benefits is long:

  • Walking lowers your body mass index. According to one study, those who walked 1,500 steps a day tended to fall in the normal, healthy BMI range.
  • One study showed regular walking led to a 7% reduced risk for high blood pressure and high cholesterol.
  • Regular walking leads to a 12% lower risk of type 2 diabetes, according to the same study.
  • You’re going to stay focused and have a better memory, according to a Japanese study on walking by older adults.
  • You’re going to have less stress and be in a better mood.
  • Walking will help you live longer. Several studies showed that people who walked about three hours a week had an 11% reduced risk of premature death compared to their sedentary neighbors.

The deep thinkers are correct: Walking is good. But how do you get more “steps” into your busy routine?

Here are five tips from exercise researchers:

  1. Walk, walk, walk. Walk as much as you can.
  2. Pick up the pace. Brisk walking provides greater benefits.
  3. Break it up. You don’t have to do all your walking at once. You can take many short walks throughout your day.
  4. Do intervals. That’s short walking sprints. Experts say that’s the best way to reduce waist size.
  5. Up, up, and away. Walk uphill. You get double the benefit.

Tips adapted from Consumer Reports[i]


Have a great November,

The McIntosh Team

If you have any questions about the content above, please do not hesitate to call 989-692-2200 or fill out a consultation request to have someone from our office call you!


By completing this form, you agree that an authorized representative or licensed insurance agent may contact you about Medicare or Individual health insurance plans