Horton & DeLoach Insurance Brokerage LLC

11/26/2025

Happy Thanksgiving to all. We are certainly thankful for the opportunity to help so many clients over the years.

May your days be filled with peace and laughter!

10/14/2025

Educating on Open Enrollment!

This Week’s 10-Minute Speaker:

⭐ Sherrie Lynn DeLoach Horton, Partner at Horton & DeLoach Insurance Brokerage (HDIB) — representing the Health Insurance lane in our chapter.

This is perfect timing, because Medicare Open Enrollment begins October 15th and Under-65 Open Enrollment begins November 1st.

At HDIB, they work for you — not the insurance companies.
And here’s something a lot of people don’t realize: using a broker doesn’t cost you more.
Your premium is the same whether you use HDIB or go directly through an insurance company.

If you or someone you know needs help understanding coverage options or navigating open enrollment, Sherrie is the one to call!

08/05/2025

We're looking forward to speaking about a Medicare plan that is $0 premium to retired Military who receive Tricare benefits!

This week's 10 minute speaker is Sherrie Lynn DeLoach Horton , Partner at Horton & DeLoach Insurance Brokerage-the Health Insurance lane in our chapter.

At HDIB, they work for you, not the insurance companies. And here's something a lot of people don't realize; using a broker doesn't cost you more. Your premium is the same whether you use HDIB or go directly to an insurance company.

This week, Sherrie's partner-Medicare Guru Bill Horton-will be sharing about a unique niche they serve. Medicare for retired millitary.

You don't want to miss this one!!!

02/13/2025

Do you know anyone whose Social Security benefits have been negatively impacted by the Government Pension Offset (GPO) or the Windfall Elimination Provision (WEP)? The Social Security Fairness Act was signed into law on January 5, 2025, which repeals both provisions.

This change will mainly affect folks who have worked federal, state and municipal jobs (including teachers, firefighters, etc.) AND/OR the spouses and widows/widowers of such workers.

The financial impact for your monthly budget is potentially huge. If you have questions about this, feel free to call us or send a message, and we will walk you through the necessary steps to determine how you might benefit.

Send a message to learn more

12/23/2024

From our family to yours, we wish you all a very Merry Christmas and a Happy New Year.

11/11/2024

Sincerely indeed!

11/09/2024

As expected, CMS releases the 2025 increases after the election. Late on a Friday. Right before a 3-day (for some) weekend. Surely all coincidental...

The Medicare Part B premium is going to $185 from $174.70 as expected. This will pull $10.30 out of your 2.5% COLA increase on Social Security. Still a net financial gain.

The Part B deductible is increasing to $257 from $240.

https://www.cms.gov/newsroom/fact-sheets/2025-medicare-parts-b-premiums-and-deductibles?fbclid=IwY2xjawGbn7lleHRuA2FlbQIxMQABHY-viCqif5RisGzo-iQrPWGyu1OVFHdljQKnAcMBVAHiZc8SWzj6RGT8XA_aem_nUA6vTuFgdIgoRhKjeVfJg

On November 8, 2024, the Centers for Medicare & Medicaid Services (CMS) released the 2025 premiums, deductibles, and coinsurance amounts for the Medicare Part A and Part B programs, and the 2025 Medicare Part D income-related monthly adjustment amounts. Medicare Part B Premium and DeductibleMedicare...

10/22/2024

More mainstream misinformation--

In an article dated October 22, 2024 (today), Clark Howard states incorrectly that "Once you are in an Advantage plan, it’s difficult to switch to regular Medicare. After your first 11 months, in most states, you can’t easily buy a supplement without passing a medical evaluation. And you likely will have trouble switching to a competitor’s Advantage plan if yours turns out to be a bad choice."

The first part of that statement CAN be true if a person is unhealthy. You must answer health questions to be approved for a traditional Medicare Supplement plan.

The second part of that statement is just blatantly false. Medicare Advantage plans have no underwriting questions and can be changed every year during Annual Enrollment, which is Oct 15-Dec 7. A person will NEVER have trouble switching from one Advantage plan to another.

Clark Howard touts himself as a consumer advocate and I have read some factual and handy advice from him. But for a person who reaches tens of thousands of readers, he needs to either educate himself better or stay in his lane. It is this abundant type of misinformation which adds to the confusion of Medicare and does people no favors.

Bottom line? Don't believe everything you read or hear. If you wonder about something, don't hesitate to give us a call for clarification.

I have linked the article in comments.

Call now to connect with business.

10/14/2024

The 2025 Part D drug plans are official tomorrow, October 15. Several changes are taking place, and some of them don't make much sense.

-- Your current drug plan may be terminated or combined with another plan for 2025. Most drug plan premiums are increasing for 2025.

-- If you are taking mainly generic meds, or no meds at all, make sure you are not on a plan with a new high premium. There is typically no need for you to pay for such a plan.

-- If you are taking any high-cost meds, be sure to look at the advantage you might get with an enhanced Part D drug plan. The maximum out-of-pocket for drug costs is capped at $2000 for 2025. There can be ways to get that even lower.

As always, we are here to answer any questions people have. Don't keep us a secret - there is no reason to waste money on unnecessary insurance costs.

10/11/2024

Here's a handy pharmacy locator tool for anyone recently affected by the hurricanes. Pass it along if you know anyone it could help.

https://winknews.com/2024/10/10/rxopen-tool-open-pharmacies-hurricane-milton/?fbclid=IwY2xjawF2YmhleHRuA2FlbQIxMQABHdSchrZwUE_LxdN_E1k5O74pT6hK13sonwT91R8z91hpSpx9ZgqNSAkFPQ_aem_X9BZFyWK8BOI66cKTzWioQ

RxOpen has been activated in Florida following Hurricane Milton. This website is a mapping tool which helps patients and their providers locate open pharmacies in areas affected by natural disasters like Milton.

09/23/2024

We've posted this before but the warning never goes out of style. Sadly.

We caution folks about this every month in our workshops. Do NOT give out any Personally Identifiable Information over the phone! Medicare will not call you, the IRS will not call you, Social Security (with very rare exceptions) will not call you.
Be aware, be suspicious and don't fall for a scam. It's sad that's the way it is, but... that's the way it is.