Blood Clots: Why They’re Dangerous and What to Watch For
Blood clots can be frightening, but awareness and quick action save lives. Know your risk factors, stay alert to symptoms, and talk to your healthcare provider if you have concerns.









How do I apply for Medicare?
How do I apply for a Medicare Advantage or Supplement Plan?
Can I apply for Medicare in person?
Can I get assistance applying for Medicare?
When should I apply for Medicare?
What if I missed my Initial Enrollment Period?
Are there penalties for enrolling late?
When do I get my Medicare card?
I attended a seminar that Jared hosted when I was soon to be 65. He was knowledgeable and concise with the information. My daughter attended with me, she was impressed also. Currently whenever I have a question he is quick to respond. Keep up the good work.
Jared and Tyler have been incredibly responsive to my needs, as well as those of my spouse. I trust them totally and give my highest personal recommendation for them to anyone seeking Medicare information and coverage! Each time I attend one of their presentations, I come away with important new insights. Thank you, Jared and Tyler!!
This team has been there for me from the beginning when Jared came over to my house to explain Medicare to me. He got me signed up with an advantage plan and has been easily available everytime I have questions or need to make a change. Thanks guys.
Algoma Insurance Group are very knowledgeable and helpful.
It was great to discuss our insurance needs with Jared B. He took the time to answer any questions we had during our meeting and during subsequent phone calls.
Jared Brefczynski has been our health insurance agent since we retired 7 years ago when we needed to select a Medicare supplement. Jared helped us to sort through all the pros and cons of the policies we were considering to find the one that suited our needs. As we went forward after that, he has always made himself available to us to…
Jared Brefczynski has been our health insurance agent since we retired 7 years ago when we needed to select a Medicare supplement. Jared helped us to sort through all the pros and cons of the policies we were considering to find the one that suited our needs. As we went forward after that, he has always made himself available to us to listen to concerns or answer our questions. As my family and friends near that Medicare age, we continue to recommend him and his agency to help them make good decisions for their health care, too!
Wife and I both turned 65 in 2023. We attended a seminar by Jared, followed up with an in home visit. He was very informative, did a very good job to find different plans that met our needs, and was no pressure to sign us up with a plan. I was especially pleased that he has continued to remain in contact to make sure the plans we chose…
Wife and I both turned 65 in 2023. We attended a seminar by Jared, followed up with an in home visit. He was very informative, did a very good job to find different plans that met our needs, and was no pressure to sign us up with a plan. I was especially pleased that he has continued to remain in contact to make sure the plans we chose are being utilized to the fullest and were the right choice for us.
Anybody turning 65 should at the very least hear a seminar that he schedules regularly for Medicare supplement & advantage plans.
Algoma Insurance Group. Jared B….. it is a pleasure working with you. My health insurance is in great hands. You have had an answer for any and all of my questions. I love telling these Medicare callers that my policy is Great! And No I don’t want to review anything with them. Jared my confidence is with you, and your brother even…
Algoma Insurance Group. Jared B….. it is a pleasure working with you. My health insurance is in great hands. You have had an answer for any and all of my questions. I love telling these Medicare callers that my policy is Great! And No I don’t want to review anything with them. Jared my confidence is with you, and your brother even handled one of my concerns!! Keep up the good work and I will stay with your company.
The Algoma Insurance Group does an exceptional job of keeping me and all their clients well-informed with what is going on in the insurance world. I appreciate the opportunities to gather for updates regarding Medicare coverage.
Blood clots can be frightening, but awareness and quick action save lives. Know your risk factors, stay alert to symptoms, and talk to your healthcare provider if you have concerns.
Medicare’s Annual Enrollment Period (AEP) is the one time each year when most beneficiaries can make changes to their coverage. For 2026 plans, AEP runs from October 15 through December 7, 2025.
Medicare does not offer family or joint coverage. Each person must enroll separately and have their own plan.
Your Medicare Initial Enrollment Period (IEP) begins three months before your 65th birthday, includes your birthday month, and extends three months after.
For older adults navigating these chronic conditions, understanding how Medicare covers specialty care is an important part of managing long-term health.
The Annual Election Period has ended, so if you have questions, reach out to us. As licensed insurance agents, we will explain your current options.
Hearing loss is often viewed as a normal part of aging, but recent research shows it can have a much larger impact on long-term health than many people realize.
As we age or as health conditions become more complex, it is common to find yourself seeing several different medical specialists. Each plays an important role, yet managing all these moving parts can feel overwhelming.
If you’re planning a move or have recently relocated, call us. We can help you review your Medicare options and make sure your coverage continues properly.
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