Insurance By Cathy

12/04/2024

Take a new approach to gift-giving this season



The holiday season traditionally includes giving and receiving gifts. But you don’t have to spend a lot of money to show how much you care. Here are some creative ideas for low-cost gifts you can make yourself:

Recipe book. Collect some of your favorite family recipes. Put them together in a small book that highlights your family tree.

Photos. One way to make a special photograph even more special: Carefully cut a picture into four equal squares, then paste them onto four sheets of canvas or heavy paper. It creates a nifty effect for a four-piece picture that can hang on any wall.

Personal gift cards. Make your own “gift certificates” that the recipient can redeem for personal purposes: a day free of chores, aback or foot massage, or something similar.

Scrapbooks. Another use for photos: Create your own scrapbook around a family theme, a special place, a variety of activities, or anything else that has significance for your recipient.

Calendars. Create a calendar using photos of family members—many photographic websites and print shops can help you do this. Or take a standard calendar and highlight special days throughout the year: birthdays, anniversaries, important events, etc.

Music. Have a child sing his or her parents’ favorite song and record it.

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07/07/2024

Hello everyone, looks like someone confiscated my account and is sending messages asking about being contacted by DHHS. Please report it as spam and do not respond to that message.

05/14/2024

ALERT! Just received a call from a customer saying that she received a call from "Medicare" confirming receipt of her new card. Medicare will never call you unless you have called them requesting an appointment. PLEASE be cautious of anyone calling you to verify any numbers or accounts. The sharks are in the water!!

01/04/2024

All of you 1959 babies it’s your turn to sign up for Medicare. I’m here to help you with your choices for insurance plans now that you’re Medicare eligible. 708.921.5784.

12/22/2022

Freezing pipes
When temperatures stay below freezing, there is a chance your pipes could freeze. This is especially risky for pipes that are along an outside wall. Here are some ways to prevent freezing.
If pipes run through cabinets or vanities, open the doors to let warmer room temperature air flow in.
Keep water moving through the pipes by allowing a small trickle of water to run. The cost of the extra water is typically lower than the cost of repairing a broken pipe.
If your pipes do freeze, here are three things to keep in mind.
Shut off the water immediately. Don't attempt to thaw pipes without turning off the main shut-off valve.
You can melt the frozen water in the pipe by warming the air around it with a hair dryer or space heater. Be sure not to leave space heater unattended and avoid the use of kerosene heaters or open flames.
Once pipes are thawed, slowly turn the water back on and check pipes and joints for any cracks or leaks that might have been caused by freezing.

04/08/2022

Attention all 1957 babies. This is your year to sign up for Medicare even if you're still working. I can help you with this important phase. Please do not call an 800 number, you won't get the education that you need to sign up properly. I'm here to help you at no cost to you.

Cathy Earullo Espinoza
708.921.5784
Cathy@Insurancebycathy.com

12/28/2021

Enrollment for health insurance for the under 65 market has been extended until January 15, 2022. Plans will begin February 1, 2022. If you still need insurance, please contact me for assistance in finding an affordable plan that your doctor will accept.

Cathy Earullo Espinoza
Insurance/Medicare Consultant
708.921.5784
www.insurancebycathy.com

Whether you are looking for better coverage, recently uninsured or it’s your first time purchasing a health plan, we will help you find a high quality and affordable plan.

12/10/2021

Confused about Medicare? 99% of those eligible are, here is a video sharing the basics of Medicare. Like the presenter states, you have a choice working with someone who can help you through the process is very important. I'm here to help guide you through the process.

Understand the difference between Medicare Parts A, B, C and D. You will also learn about coverage, costs and enrollment dates, plus we’ll share some helpful...

06/05/2021

Contact Information:
www.insurancebycathy.com
708.636.1344

06/05/2021

Welcome to Insurance By Cathy where you will receive honest, unbiased information on the best products to protect you and your family from life's unexpected hiccups.