WELCOME TO MAYAN IMPORTS AUTHENTIC HANDMADE CLOTHING AND JEWELRY Imported from Guatemala, Peru, Bolivia, Panama, India and Indonesia
Specializing in Unique, Special Holiday Gifts for Family and Friends 20% Off Your Purchase (Any Regular Price Items)
(949) 493-3707
The Guatamalan men’s and women’s clothing are Designer Lily Ramos’ original designs and crafted from 100% organic cotton.
We also carry ing alk European W r Men Sandals fo en! and Wom
31761 Camino Capistrano in San Juan Capistrano (next to Old Town San Juan Capistrano train station and across from the historic Mission SJC)
ASK THE MEDICARE ANSWER MAN... Medicare Rx Review
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f you have worked with an Agent that didn’t offer to review your medications to verify the plan you are on is still the best fit for you, they are probably not a Medicare Insurance Broker and you may want to consider reviewing with one this next year (2016 benefits). All plans can change each year and are released Oct 15th – Dec 7th each year.
The medications are the tricky part unless you do a review. A Medicare Insurance Broker does not work directly for any one company/carrier and therefore can offer a number of different plans. One size does not fit all. Every company/ carrier has a different “formulary” list of medications they cover and can vary greatly in costs. Every year, I reach out to my clients and ask them to let me know of any Rx changes so I can protect them by doing a review to confirm they are still on a good plan, or if we should consider making a change during DECEMBER 2015
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this time. (We as agents do not get paid additionally for doing this ~ it’s just good business). I’m frequently asked “what do I owe you for your time?” The answer is nothing. This does not increase the cost of your plan to you in any way. We get a standard compensation from the carrier. Education is Key! Brokers must get certified with ALL of the plans they represent every year to be able to confidently and legally show more than one option. This is a true dedication and commitment to the industry. Look for a local Medicare Broker in your area, not an 800# with an out of state telesales staff. Find us in publications like these.
Clients love that we still make House Calls and are local…
Stephen Merrill
Orange County Local Sales Broker Co-Owner Merrill Insurance Services, Inc. Specializing in Medicare Plan Choices We’ve been doing this for over 10 years.
949-584-2634 Direct SMerrillins@me.com
SOUTH COUNTY MAGAZINE
CA Lic# OE31931