Claudia Moreno Smith
Agency Owner
Special Enrollment Events: Understanding Qualifying Life Events
Posted: November 10, 2025
Major life changes can directly affect your health insurance coverage. Milestones such as marriage, the birth of a child, or a job change could make you eligible for a special enrollment period (SEP). This special timeframe allows you to enroll in a new health plan or adjust your existing coverage outside of the standard open enrollment period to help you stay protected as your circumstances...
Adjusting Life Insurance Coverage After a Pay Raise
Posted: November 7, 2025
A salary increase can be a cause for celebration. It reflects your hard work and dedication and provides new financial opportunities. It also changes your overall financial picture, making this a good time to review your life insurance coverage. Lifestyle, responsibilities, and long-term goals can change as your income grows. Reviewing your policy after a pay raise can help protect your loved ones. How a...
Special Enrollment Periods: Taking Advantage of Flexible Medicare Options
Posted: November 6, 2025
Enrolling in Medicare can seem overwhelming, particularly when life changes occur outside the standard enrollment windows. Special Enrollment Periods (SEPs) offer flexibility for individuals who experience certain qualifying events. They allow these individuals to enroll in, drop, or change Medicare coverage without waiting for the next Open Enrollment Period. Knowing how SEPs work can help you make timely decisions and avoid gaps in your healthcare...