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As we’re now in summer 2025, employer group insurance is at a crossroads. Rising costs and shifting workforce expectations are reshaping the landscape—and Michele Sanchez Insurance Agency is here to help local businesses in Southwest Florida navigate these changes effectively. Healthcare Cost Trends: A Steep Climb Continues Projected healthcare cost trend is nearly 8% in 2025,…

As the population ages and healthcare needs evolve, more individuals and families are realizing the importance of preparing for the future. One critical aspect of this preparation is long-term care insurance. At Michele Sanchez Insurance Agency, we believe that understanding your options can empower you to make confident, informed decisions that protect your financial future…

The Medicare Annual Enrollment Period (AEP) comes around every year between October 15 and December 7, giving you the chance to review and adjust your Medicare coverage. But what happens if the AEP passes and you didn’t make any changes? First, don’t panic—you may still have options! The good news is that depending on your…

The annual Medicare Enrollment Period (AEP) for 2025 has officially come to a close. If you recently reviewed or made changes to your Medicare plan during this time, you might be wondering—what happens next? Whether this was your first time navigating Medicare or you’ve been through the process before, it’s important to know what to…

As the Medicare Annual Enrollment Period (AEP) approaches, a growing number of Medicare Advantage plans are promoting an attractive feature: Medicare Part B givebacks. These givebacks, also known as Part B premium reductions or Social Security givebacks, are designed to reduce the amount you pay for your Medicare Part B premium. But how do these…

As Florida residents, we know hurricanes can be unpredictable and devastating, disrupting daily life and even posing significant health risks. When a hurricane threatens our area, it’s crucial to know how your health insurance plan can support you during an evacuation or emergency. Hurricane Emergency & Your Health Insurance Understanding your coverage can make a…

Summer is a time for fun, relaxation, and enjoying the great outdoors. But it’s also a time when healthcare needs can change, and it’s important to ensure that your Medicare Supplement Plans, also known as Medigap, is working for you. These plans can help cover costs that Original Medicare doesn’t, such as copayments, coinsurance, and…