Employer Group Insurance Trends for Summer 2025

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,…

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Understanding Long-Term Care Insurance: What You Need to Know 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…

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The 2025 Shift in Medicare Advantage Benefit Offerings: What You Need to Know

Navigating Medicare in 2025 can feel overwhelming—but with the right guidance and updated information, you can make confident choices about your healthcare. One of the most significant changes this year is the shift in Medicare Advantage benefit offerings, which is transforming the way beneficiaries experience coverage. If you’re approaching Medicare eligibility, currently enrolled, or caring…

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What If You Missed the Annual Enrollment Period?

Enrollment Period

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…

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The 2025 Medicare Enrollment Period is Now Over: What Comes Next?

Enrollment Period

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…

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Understanding the Changes in Medicare Advantage Plans for 2025

Medicare Advantage

With the Medicare Annual Enrollment Period in full swing, you may have heard some talk about the changes coming to Medicare Advantage plans for 2025. This year, there are fewer plans available on average, and some big names, like UnitedHealthcare and Humana, have scaled back their offerings.  Let’s take a closer look at how these…

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Medicare Enrollment is Here: What to Do Before December 7th

Hello, Southwest Florida! We’re right in the middle of the Annual Medicare Enrollment Period, a window that opened on October 15 and closes on December 7. For many of us, this time can feel a bit overwhelming, especially with the clock ticking. So, let’s go over what you should be focusing on and what steps…

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