September Newsletter 2017: Medicare Open Enrollment, Important Blue Shield Update, Covered CA Will Spend $110M on Marketing, Equifax Breach, Horter Podcast on Finance 


Medicare Open Enrollment is October 15th - December 7th
Medicare Open Enrollment for 65+ is fast approaching. Sign up now to make an appointment starting October 1st to square away your Medicare planning for the New Year. Click here to make an appointment or visit our website at Please remember that during this period you can change your drug or Medicare Advantage Plan for 2018. 

Important Blue Shield Update
Blue Shield has announced today that they are discontinuing the Off-Exchange Silver Seven 3750 PPO, effective January 1, 2018.  All members who are enrolled in this plan will be moved to the Silver 1850 PPO.  We are happy to discuss this option with you, starting November 1st, to see if this is the best plan for you and your family.

Equifax Data Breach: What To Do
"Thieves were able to siphon far more personal information — the keys that unlock consumers’ medical histories, bank accounts, and employee accounts.." - New York Times

This is a serious breach of your privacy and security affecting your identity and credit. According to the New York Times, thieves stole information including Social Security Numbers, driver's license numbers, birth dates, addresses, credit card numbers, and other personal information that can be used to access consumers' medical histories and bank accounts. “On a scale of 1 to 10 in terms of risk to consumers, this is a 10,” said Avivah Litan, a fraud analyst at Gartner, to the Times.

What do you do now? 
1. Explore freezing your credit so thieves can't sign up for credit in your name. Find out more about what freezing your credit means here. To freeze your credit call:
Equifax — 1-800-349-9960
Experian — 1‑888‑397‑3742
TransUnion — 1-888-909-8872
Note that they will charge you a small fee for this. 
2. Sign up for fraud alerts with Experian, TransUnion, Equifax, and other institutions so you are made aware of any activity in your name immediately.
3. Check your bank, credit cards and credit regularly for signs of anything amiss. Awareness is key.

Please look over the FTC's Consumer information on the Equifax breach here

Covered California Will Spend $110 Million For Open Enrollment
Covered California will spend $110 million on Open Enrollment. We are reporting this because there is a lot of news about the Federal government cutting the budget back to $10 million but that will not be the case in California. This marketing is important because it is estimated that 2 million more people will be insured because of it.

Open enrollment begins November 1, 2017 for people on individual plans under sixty-five years old. Please go to to set up your appointment. 

Drew Horter of Horter Investment Gives Wall Street Interview
To our growing list of clients who do financial planning and investing with us, you're already aware of Drew Horter. To those who don't know, Drew is the head of Horter Investment Management LLC, who we affiliate with and utilize their platform that is designed to be low risk, low volatility.  We chose Drew and his company because of his passion and his goals to help minimize client risk while striving to be opportunistic in good times and defensive in bad times. Click on the link below to listen to a podcast Drew did with The Wall Street Journal. It's a 7-minute interview on how sports can teach children about finances. LINK. 

To Your Health and Well-Being, 

TWP Financial