Medicare Open Enrollment, 2021

    As we enter the final quarter of a 2020 (I hear many of you cheering) the Medicare Open Enrollment period is right around the corner. This years Open Enrollment period will start on October 15th, 2020 and ends on December 7th, 2020.  All plan changes will take effect on January 1st, 2021.   […]

Covered California’s Open Enrollment Extended Due to New Tax Penalty


Covered California, the state’s Affordable Care Act insurance exchange, will allow residents to enroll in a healthcare plan through March 31 to avoid paying the individual mandate, which can be more than $2,000 for a family of four and will be assessed when uninsured residents file their taxes in 2021. The state expanded subsidies to offset […]

Medicare Changes in 2020


Medicare Changes in 2020 Starting in 2020, there will be no more first-dollar coverage plans available to those who are considered Medicare eligible after 2020. First-dollar coverage plans are Medicare Supplement Plans that leave you with zero out of pocket costs. The Medicare Part B premium will also be increasing. The three Medicare Supplement Plans […]

Auto Insurance, Understanding your coverage.


If you drive you need auto insurance coverage and if you have auto insurance once every six month or one year you receive a copy of your insurance policy. The first few pages of that policy are what is known as your Declarations page.  The declarations page describes what is covered in the policy and […]

The Long-Term Care Conundrum

Long term care concept.

Recently I’ve been inundated with questions regarding Long Term Care (LTC) coverage and as many of you know I’m not the biggest fan of standalone Long Term Care policies. What is Long Term Care coverage? Long Term Care or LTC policies are insurance plans that will pay for nursing homes or in-home help for people […]

Medicare 101, what everybody should know, Part 2

In our last post, we reviewed what Medicare is, who is eligible, what the costs for Medicare Part B are, and what benefits are provided with Part A and B. While Original Medicare provides good benefits, there are substantial costs Medicare beneficiaries face.  The Part A deductible and per day co-payments, Medicare Part B’s 20% […]

Medicare 101, what everybody should know, Part 1


With Medicare Open Enrollment starting on October 15th now is a good time to go over the basics of Medicare. It doesn’t matter if you are 25 or 65 understanding what Medicare is and how it works is important for every American. Medicare is a federal health insurance program for people who are 65 or […]

What happens if my car is declared a total loss after an accident?

My Car is a total loss, now what? For most of us a car accident is something we’ll be unable to avoid at some point while on the road. Even low impact accidents can result in extensive damage to your vehicle. What happens when you get the unfortunate news that your vehicle has been declared […]

2017 Individual Health Plan Rates, Onward and Upward.

ACA 2017

This year’s Individual Medical Insurance open enrollment which includes Covered Ca and the Federal Health Insurance Exchange will begin November 1st and is scheduled to end January 31st 2017.  Starting November 1st consumers will be able to enroll in new medical plans, renew their existing coverage or make changes to their plan’s benefits.   These changes […]

Our New Website Is Up And Running!

Poyer Insurance Home Page

Our new website is up and running! (click image to enlarge) At this very moment our new website, is live and ready to use. Excuse my excitement but after 2 years and several delays our site is live and ready to make our clients Insurance experience just a little easier. Our new website is accessible […]