Chiffon D Thomas

08/04/2025

Happy Monday!!! With AEP season right around the corner, I usually take this time to focus on my SELF-CARE. I do this in the months of August and September because once October 15 - December 7 hits, it's GO TIME and I rarely have time to think straight. Coincidently August is Self-Care/Wellness Month. So, what better topic this week than this!!! There are so many different ways to practice overall wellness and self-care and you don't need to focus on any particular area all of the time. These next two months for me will focus on the intellectual (all of the continuing education that I have to do) and the emotional (AEP is so hectic, that I need to be in a ZENlike state before it begins). What SELF-CARE areas will YOU FOCUS on???

Enjoy this quote for the week: "Self-care is not a LUXURY; it's the OXYGEN mask you put on before HELPING OTHERS BREATHE." Author- Unkown

08/01/2025

07/25/2025

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* $0 premium Humana Medicare Advantage/Medicare Advantage prescription drug plans are not available in every service area.

07/17/2025

Guess who's on the site??? C. Thomas Insurance Solutions LLC

07/15/2025

Happy Tuesday!!! Just came back from my happy place, Rhode Island!! I forgot how beautiful the state is. Because whenever I go, I immediately go to some of my favorite childhood places and then there's family to visit, I forget to take it in. This time on purpose I went for a walk. I wanted to share a few pictures I took along the way. Now every time I visit, weather permitting, I will slow down to enjoy the view!!!

"Calm mind brings inner strength and self-confidence. " - Confucius..Chinese Philosopher

07/07/2025

Happy Monday!!!! I hope you had an enjoyable and relaxing holdiay weekend!! Mine was spent by the pool with family and friends.

This weeks' topic will give you some insight on Medicare and dental coverage... specifically what to expect in terms of what is commonly covered. Please be aware that Part C (Medicare Advantage) usually has SOME COVERAGE for Dental included (plan and carrier coverage differ) and that ORIGINAL MEDICARE and MEDICARE SUPPLEMENTS DO NOT INCLUDE DENTAL. Nonetheless, I am here to ASSIST you with getting the coverage that makes sense for YOU!!!

https://www.aarp.org/medicare/dental-coverage/

Contact me for a no-cost consultation for your options.

Most mouth problems aren’t covered by original Medicare, but some oral health expenses are paid for. HSAs or a Medigap policy may help cover the rest.

05/12/2025

Happy Monday!!! So part of my job is to keep up with the industry changes as they occur. I have received information in regards to the INCREASES for the Medigap/Medicare Supplement policies by carrier. Most carriers are expecting another DOUBLE DIGIT INCREASE!!! If you saw my post from two weeks ago, you know that Missouri has an ANNIVERSARY rule. This rule allow you to SHOP the carriers for like plan to like plan for the BEST Rate. CONTACT me a month or so before your plan is set to renew and I CAN DO the SHOPPING for YOU!!! Remember you are looking at like plans, so if you have a F plan I will shop for a F plan!!! No need to PAY the higher PREMIUM if you don't have to. Medigap/Medicare Supplement plans are STANDARDIZED!!No UNDERWRITING required, it will be a GUARANTEE issue, meaning NO HEALTH QUESTIONS!!*

*only applies if you are going from like plan to like plan, does not apply if you want to go from an F to a G, Hi Deductible G, or N plan.

04/28/2025

Happy Monday!!! I wanted to come on here to let the Medicare Supplement clientele know that Missouri has what's called the Anniversary Rule. Not sure what it is? Please see the description below. Medicare Supplement or Medigap plans are standardized....meaning that ALL plans with the SAME LETTER offer the SAME basic BENEFITS, no matter where you live or which insurance company you buy the policy from.* However, the premiums may vary due to certain criteria. If you've EXPERIENCED higher costs this year or next, maybe it's time you exercised YOUR RIGHT to SHOP!!! As a licensed broker, I CAN SHOP FOR YOU!!!

The Missouri Medigap Anniversary Rule allows residents of Missouri who have a Medicare Supplement (Medigap) plan to switch to another plan with equal benefits from a different insurance company without medical underwriting. This means you can change to a plan with the same coverage but potentially lower costs.
Here’s how it works:
You can switch 30 days before and 30 days after your policy’s annual anniversary date.
You must switch to a plan with equal benefits (e.g., Medigap Plan G from one company to Medigap Plan G from another company).
If you want to switch to a plan with more or fewer benefits, you may have to undergo medical underwriting.
This rule is beneficial because it allows Missourians to shop for better pricing each year without worrying about being denied coverage due to health conditions.

*Medicare & You 2025 booklet--Section 5, page 75.
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04/14/2025

Happy Monday!!!! As I am sitting here thinking about what to write on this post, I can't help but to think about how social media targets us with specialized ads, post, etc... So what's on my social media feeds....diets, exercise and menopause related topics. I've never had to worry about my weight until now. Menopause has added some extra pounds among other things.. lack of energy, motivation, sleepless nights and HOT FLASHES!! I'm finding it very difficult to motivate myself to take better care of me. I'm not one to take anything orally (I hate taking pills) and because my husband is a picky eater, it's hard finding meals that are healthier options.

So in my attempt, yet again, to start a more health conscious journey...I NEED to do BETTER!!! Being in the health industry I see everyday the impacts of all the factors that we can control (but don't) as well as those we can't. I HATE exercise simply because I don't like to sweat and for what it does to my hair. I also will usually do well (exercising) for a month or so and then fall off. How do I make it a daily routine? What natural remedies can I use? With the wave of information...how do I know what will work for me?

In speaking with one of my son's friends this weekend, he simply told me that we cannot try to do anything....either WE DO IT OR WE DON'T! Simple words yet it struck a chord with me. TODAY is my redo!!! I'll attempt to better take care of me and give myself GRACE and CELEBRATE the small wins! Wish me luck!!!

Here's my quote for the week: "The BEGINNING is always TODAY." Mary Shelley- English writer

04/11/2025

I have attended a SHIP led Medicare Seminar recently, within the last several months. While most of the information was accurate, some key terminologies were incorrectly described and I felt like the counselor was steering toward a particular product. When I mentioned that I was a broker, they automatically decided to imply to the group of attendees that because brokers/agents get paid, we should not be trusted.

I shared this to say that there are good and bad agents/volunteers within the Medicare realm. OBJECTIVITY and INTERGRITY are CRUCIAL! Giving you information about YOUR UNIQUE HEALTH and FINANCIAL situation should allow you to make an informed decision!!! We should not assume one product or company is what's best for you! We should also not assume that you're not willingness to make concessions to address your immediate needs!

Where and how you get information matters!!!!

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This cross-sectional study describes experiences of mystery shoppers connecting with State Health Insurance Assistance Program counselors via telephone, in-person, and videoconference encounters, and it evaluates the accuracy and completeness of information provided by counselors in response to...