Thompson Insurance Brokerage, LLC

10/26/2026

A Medicare Medical Savings Account (MSA) is a smart option for those who want more control over their health care spending! 💡

A Medicare MSA combines a high-deductible health plan with a special savings account funded by Medicare. You use the money in the account to pay for your medical expenses—and anything you don’t use rolls over each year!

✅ Choose your own doctors—no network required
✅ Keep unused funds year after year
✅ Great for those who don’t need frequent care

📌 Just remember: MSA plans don’t include drug coverage, so you’ll want a separate Part D plan if you take prescriptions. In addition, you must stay enrolled in Medicare part A and B, and you can't contribute your own funds to this account.

Want help figuring out if this is the right fit for you? Let’s talk!

10/26/2026

PPO stands for Preferred Provider Organization—it's a type of health insurance plan that offers flexibility in how you receive care.

Here’s what makes a PPO stand out:

✅ You don’t need a referral to see a specialist.
✅ You can visit any doctor or hospital, but you’ll save more money by staying in the plan’s preferred network.
✅ No need to choose a primary care physician (though you still can).
✅ It’s ideal for people who want more control over their healthcare choices, even if it means paying a bit more in premiums.

Think of it as a plan that works well for busy families, frequent travelers, or anyone who wants options.

Want help understanding your options? Give us a call!

10/24/2026

If you were hospitalized tomorrow, would someone you trust know where to find your insurance information?

It's not a fun question, but it's an important one. In a medical emergency, the people closest to you may need to talk with doctors, find your policy information, pick up your kids, and take care of your pets, all while you can't answer their questions.

A little planning now can make a big difference later. Gather your insurance cards, policy numbers, medication list, and your agent's contact info in one place. Choose a trusted person and tell them where it is. And don't forget backup plans for childcare and pet care.

Not sure what coverage you have or where the gaps are? Give us a call. We'll help you put together a clear summary of your policies.

Who's your go-to emergency person? Tag someone you'd trust to have your back.

10/24/2026

Got leftover stuffing? Turn it into waffles.

Mix 4 cups of stuffing with 2 beaten eggs, ¼ cup of broth, and 2 tablespoons of melted butter. Press portions into a greased waffle iron and cook 5 to 8 minutes, until crisp outside and 165°F in the center. Top with turkey, gravy, and cranberry sauce.

If they fall apart, add another egg or a spoonful of flour. And plan to use leftovers within 3 to 4 days.

What is your favorite way to use Thanksgiving leftovers? Tell us below, and follow our page for more seasonal ideas.

10/23/2026

Any minute now 👀

10/22/2026

How Medicare Beneficiaries Can Pay for Excess Hospital Costs

Hospital stays can be expensive even with Medicare. Learn how hospital indemnity insurance can protect your savings from unexpected inpatient costs.

10/22/2026

Health insurance doesn’t have to be overwhelming — but trying to figure it out alone often is.

That’s why we're here — to help cut through the confusion, explain the options in plain language, and make sure people feel confident in their coverage decisions.

If you know someone who could use some help with upcoming insurance enrollment, we'd be happy to chat and help them find their right options for their unique situation.

No pressure. No cost. Just clear, honest guidance.

📩 Feel free to reach out or pass along our info anytime!

10/21/2026

Over the past two years, we've seen a significant shift in Medicare Advantage. Some plans are cutting benefits, exiting counties, and rethinking how they operate. The reason mostly boils down to profitability pressures that are unlikely to disappear.

During enrollment season this year, watch for notifications from your current plan that reflect these patterns. County exits would be announced in a plan termination notice, and any benefit cuts or network changes are reflected in your Annual Notice of Change (ANOC) that you should have received in September. Understanding these patterns may help you look for changes and make smart choices.

We can help you sort through what's changing in your area and find a plan that's stable and fits your needs.

10/20/2026

Do ACA Plans Cover Dental & Vision? Here’s What You Need to Know

If you’re enrolling in an Affordable Care Act (ACA) plan this year, you may be asking, “Does it include dental or vision?” The short answer: not for adults.

👉 Adults
Dental and vision coverage are not automatically included in ACA medical plans. To get coverage, you’ll need to either:
• Buy a standalone dental or vision plan, or
• Choose a bundled plan that includes dental (less common, but available in some areas).

👉 Kids (under 19)
Pediatric dental and vision must be available on the Marketplace, but not every medical plan includes them — sometimes you need a separate dental policy.

Why This Coverage Still Matters

• Oral health impacts your overall health
• Eye exams can detect early disease
• Emergencies like root canals or broken glasses get expensive very quickly

What These Plans Usually Cover

🦷 Dental: cleanings, X-rays, fillings, crowns, root canals
👀 Vision: annual exams, glasses or contacts allowances, LASIK discounts

Before enrolling, consider:
✔ Do you have a dentist or eye doctor you want in-network?
✔ How often do you need care?
✔ What’s your budget for add-on plans?

Good news: You do have options — from standalone plans to bundled coverage. If you’re not sure what’s included or what you need, we can help you compare your choices with no pressure.

Take care of your eyes, your teeth, and your peace of mind this year. 💙

10/19/2026

HMO stands for Health Maintenance Organization—a type of health insurance plan that offers a network of doctors, specialists, and hospitals to choose from. With an HMO, you generally need to select a primary care physician (P*P) who coordinates all your care and provides referrals to specialists within the network.

Why might you want to be in an HMO?

✅ HMOs can have lower premiums and out-of-pocket costs compared to other plan types.
✅ Coordinated care through your P*P, which can lead to more efficient and preventive care.
✅ Predictable costs, which can make budgeting for health care easier.
✅ No claim forms or paperwork if you stay in-network.

Have questions about your Medicare and individual health coverage options? Give us a call!