This is an important time to consider your options.  Please look for your Annual Notice of Change (ANOC) and your annual letter from Castell Insurance outlining how this review will be done for 2015.

PLEASE READ THE LETTER we are sending. It will explain the process for reviewing and changing your prescription drug program.  This is an early heads up.          We will not be doing individual drug reviews for 2015.

call  1-800-MEDICARE ,  or contact the Statewide Health Insurance Benefit Advisors (SHIBA) at (360) 452-3221).   

All of these are viable options if you wish to change your Medicare Part D program.  If you are happy with your current program and you have received your ANOC and reviewed your current program,  you may want to stay with the current plan rather than changing.  Either way you should look at the ANOC when it arrives.

We value the relationship we have created with our clients, so we feel the best way to help our clientele is by giving you the tools to complete this review on your own.  It is imperative that our clients understand the process to choose a Medicare Part D program that fits their individual needs.

Thank you for your understanding and your continued support.  We look forward to helping you in the future.  

MODA was originally established in 1955 in Portland, Oregon as Oregon Dental Service or ODS.  MODA was the original dental insurance for the International Longshoreman group in Portland.  That group to this day is still group number 00001 with MODA.  MODA must be doing something right to have such a long-standing relationship with a client that could choose any company to work with.  Over the last 5 decades MODA has grown to include health insurance for those in Oregon, Washington, and Alaska.   

In addition to offering individual plans, MODA offers plans for both small and large groups/employers.  The Sequim School District's health insurance plan is with them.  In 2015, they are working with the Washington Health Plan Finder to offer a small business health insurance alternative, through the states SHOP program.

We are excited to be able to partner with them for 2015.

Their company values; service, flexibility, integrity, stewardship, continuity, partnerships, and community are a great fit to the company we try to always be.  They will be offering 10 insurance plans with 5 being available on the Exhange for 2015.

If you would like to know more about MODA to  take a look at their website  Click Here.

You will receive a letter from us in mid-October to remind you to make an appointment with your agent and a worksheet to fill out and bring with you to your appointment.

Until November, appreciate the beauty around us as the leaves change colors, break out the crockpots and make some yummy soups and stews and watch a little football.

GO OSU BEAVS!!

If you have an auto or home policy coming up for renewal please feel free to contact James for a review.  Many folks are pleasantly surprised at what they find out when they do.  Although we do not have the British speaking gecko, we do have the friendly French bulldog to welcome you when you visit our office!

The other area I would like to remind you about is that if you are over the age of 70 ½,  you have to take a Required Minimum Distribution (RMD) from your retirement accounts.

If you are new to this fact due to your age, or you would like some assistance figuring out your RMD please let me know. There are many rules pertaining to RMD's depending upon your age, as well as the age of your spouse or if you had inherited the account.

In closing, our concept of the agency is that you can find all your financial needs satisfied under one roof, with a family run, locally owned agency who prides itself on providing old fashioned service.

So, please let us know how we may help you.