Time to get ACA enrollment ends SOON!

 Hey neighbors! Just a friendly reminder that the Open Enrollment Period for ACA plans is coming to an end soon! Don't miss out on the opportunity to get the best health insurance plan for 2024. If you're in South Dakota, Minnesota, Nebraska, Iowa, or Wisconsin, give me a call at

480-400-9837

or

605-868-8330

https://shop.healthmarkets.com/A59088

. Let's navigate through the options together. Time is running out, so don't wait!

#OpenEnrollment

#HealthInsurancePlans

#ACA

#OEP

Leftover Candy? Candy Coma?

I have a spouse that loves Halloween, decorations went up over a month ago. I just like finding candy deals and waiting for some kids to come by. You know, nobody knows what to say when I answer Trick, after the ubiquitous question “trick or treat?”; I just get a blank stare and shove some candy in their bag.

So, only about 20 kids came last night, and it was really easy to dig into that bowl and eat some of that ‘extra’ candy.

Oops.

Here is a rundown of what it takes to work of those skittles’ calories.

-Skittles, there are 80 calories in one serving—16 pieces. Want to burn those calories? Just do 543 jumping jacks

-There are 70 calories in one Halloween-size Kit Kat. To burn them, 10 minutes on a rowing machine should do the trick.

-There are 105 calories in a single Reese’s peanut butter cup. If you want to cancel those out, just go for a 7-minute jog at a 10-minute mile pace.

-Eight pieces of Starburst candy are about 160 calories, nothing 50 minutes of Pilates can’t take care of.

-Each Snickers Fun Size candy bar has 160 calories, so each of those leftover Snicker Bars will require 15 minutes of pushups to burn off.

-M&M’s carry 73 calories in those tiny bags, and the packaging says serving size is 3 bags?! That’s 7 minutes of treadmill per bag!

The day after Halloween is a good time to take a minute and checkup your activity, or exercise routine, it’s also a good time to take a review of your health insurance or lack thereof. Right now, there are two open enrollments available, Medicare for those over 65 is on until Dec 7, and open enrollment is open for Under 65 people, individuals and families until Dec 15 for changes to take place on Jan 1st

Take a few minutes to call me for a free review of your Health insurance plan, whether it is Medicare or an under 65 plans, it takes less time that it does to work off your Snickers bar!

I offer benefits advice for Individuals, families, and small businesses. Short term, ACA (Obamacare) and Medicare options from 100’s of carriers.

480.400.9837 gninke@healthmarkets.com or schedule 15 minute review at https://cc.healthmarkets.com/gninke

Hey, I bet you didn’t know its National Life Insurance Month!

Wow, exciting to know you say.

Well, here are 3 reasons why you should own life insurance

1. It covers final expenses.

alone can range from $15,000 to $30,000, so covering these costs will reduce financial stress on you and your loved ones. Final Expense can help even further because it’s not limited to covering funeral costs. Depending on the policy, it can pay medical bills, mortgage payments, and more. Your family also can dispense the money toward expenses as they see fit.

2. It’s a tax-free way to leave something behind.

Do they want to give money to their kids or grandkids after they pass? A Final Expense Whole Life insurance policy allows you to leave behind money for whomever you choose. You can designate policy beneficiaries to receive the tax-free death benefit after your passing.

3. It can replace lost income.

If you have dependents who rely on your income, you can take care of your loved ones when you are gone. Depending on the amount of the policy, the death benefit can act as a replacement for the lost income for dependents or even help a surviving spouse supplement Social Security.

There are final expense policies that are guaranteed issue, up to age 85! And the cost is not as expensive as you might think.

I provide free unbiased assessments of your situation and present education and options for you and your family, call, text or email me for information.

https://GregNinkeAgency.com

605.868.8330

480.400.9837

#lifeinsuranceawareness #lifeinsuranceawarenessmonth #lifeinsuranceawarenessmonth #lifeinsuranceawarenessmonth #lifeinsurance #lifeinsuranceagent #lifeinsuranceagents #lifeinsurancebroker #lifeinsurancequotes #lifeinsurancematters #finalexpense #finalexpenses #finalexpenseagent

Does Medicare Cover Long Term Care?

The short answer is NO.
Straight from the horse's mouth https://www.medicare.gov/coverage/long-term-care
Medicare Part A covers short stays at a Skilled Nursing Home. For things like rehab therapy, IV medications and treatments.
You could pay dearly--

Here is the breakdown of covered costs depending on length of stay:

Days 1 through 20: Part A pays the entire cost of any covered services.
Days 21 through 100, you pay $194.50 per day.
After 100 days: Part A pays nothing. You’re responsible for the entire cost of Skilled Nursing Home services.

What pays the cost of Long Term Care?
Long term care Insurance and/ or Medicaid, even some wealth preserving products from companies like Securian.

You will be surprised that there are solutions that are affordable.
Call me if you have any questions, my advice for you is always free.
605-868-8330/480-400-9837
or reach me at GregNinkeAgency.com

Serving families and small business in South Dakota, Arizona, Nebraska, Minnesota, Wisconsin, Iowa, New Mexico, Texas and Nevada