October Newsletter 2021

October 15, 2021

Individual/Family Health Insurance Open Enrollment

Those of you that currently have health insurance through the Health Insurance Marketplace, and individual or family plan, or do not have any health insurance, the open enrollment period is starting November 1st.

Open enrollment allows current individual/family health insureds to pick a plan for 2022. Open enrollment also allows those persons that are currently not insured and that are not eligible for group health insurance* to purchase a plan starting January 1st, 2022.

If you currently have your individual/family health plan with our office, you should have already received a packet that we need you to fill out as soon as possible and mail back to us or drop off at our office. If you currently do not have health insurance for yourself or your family, we strongly recommend that you contact our office. In most cases where customers are not eligible for group or military insurance, there are plans that have $0 monthly premium.

Anyone that has questions regarding health insurance please contact our office prior to November 1st as we have a very limited window to get all of our customers enrolled in coverage for the upcoming year.

*some customers that are eligible for group health insurance may qualify for a individual/family health plan, however you will have to get documents from an accountant to verify eligibility

Cyber Security Tips and Tricks

No one wants to be the victim of a cyberattack — that’s obvious.

But while many of us understand fire safety or how to be a safer driver, we aren’t as familiar with ways to minimize the risk of a cyberattack.

Luckily, there are some steps to take to make you and your business a little safer:

  • Use Strong Passwords – Use a strong password with letters, numbers, and symbols. If you find it too tedious, try a password manager.
  • Keep Work and Personal Separate – Don’t check personal sites or email from business accounts.
  • Stay Updated – Keep programs and devices updated regularly.
  • Use Firewalls – Keep firewalls in routers and other systems turned on.
  • Don’t Click – Avoid clicking links in emails.

These steps can help you avoid a disaster, whether you’re a one-person shop or a company of hundreds.

Beware of the Wind

With fall now upon us the air is a little cooler, and it’s also moving around quite a bit. That wind can mean bad news for roofing shingles, power lines, and that old tree you keep forgetting to remove.

When it comes to breezy troubles, be on the lookout for:

  • Falling Trees – One of the most common claims. It doesn’t matter where the tree is rooted, but where it falls that determines who files the claim.
  • Power-less – Wind can knock out power lines and cause temporary blackouts. Make sure to keep your refrigerator closed, stock up on candles, and think about a generator if you live in a rural location.
  • Swerving – Wind doesn’t just affect houses. Driving in windy conditions is a significant hazard, so go slow and pull over if you are in a dangerous situation.

Thinking ahead can help minimize the dangers of wind and save you from hassles in the future.