Newsletter – Ashlock Insurance

Medicare 101 Class

dashlock — Wed, 30 Apr 2025 21:20:33 +0000

Funerals Cost $9000-13000 in Ray Co: Why Life insurance Matters

dashlock — Wed, 30 Apr 2025 21:05:31 +0000

Life insurance is a vital safety net, shielding your loved ones from financial hardship after you’re gone. It covers expenses like medical bills, debts, and funerals, letting your family grieve without worry. I spoke with Bart Willim, owner of Thurman Funeral Home in Richmond, who noted that the average funeral costs $9,000 to $13,000—a hefty sum without support. Life insurance eases this burden, offering a payout tailored to your needs, whether for final expenses or income replacement. Ashlock Insurance simplifies the process, guiding you to the right policy. Our team assesses your budget and goals, compares options, and explains terms clearly, ensuring you get coverage that fits. With up-to-date expertise, we help you avoid pitfalls and secure peace of mind. Planning ahead with Ashlock Insurance isn’t just for today—it’s a gift for tomorrow. Contact us to start.

Day Trips Near Richmond: Five Hidden Gems to Explore

dashlock — Thu, 24 Apr 2025 21:21:50 +0000

Richmond, Missouri, is a perfect launchpad for families seeking memorable day trips, offering nearby escapes filled with history, nature, and charm. Inspired by the community vibe of Richmond’s Mushroom Festival, here are five hidden gems within an hour’s drive, ideal for a relaxing outing.

1. Excelsior Springs (20 miles, ~30 minutes)

Tour the historic Elms Hotel, a 1888 spa retreat with elegant grounds. Stroll the quaint downtown or enjoy a coffee at Willow Spring Mercantile, perfect for a low-key day.

2. Lexington (30 miles, ~40 minutes)

Visit the Battle of Lexington State Historic Site, featuring the Anderson House with cannonball scars. Enjoy light trails and a small museum, then dine at a cozy local diner.

3. Warrensburg (50 miles, ~1 hour)

Relax at Blind Boone Park, with accessible paths and vibrant gardens. Explore the Johnson County Historical Society for local history, then grab dessert at Fitter’s 5th Street Pub.

4. Higginsville (35 miles, ~45 minutes)

Discover Confederate Memorial State Historic Site, with serene trails and a small museum. It’s a peaceful spot for history buffs and nature lovers.

5. Carrollton (30 miles, ~40 minutes)

Stroll Carrollton’s historic downtown, featuring charming shops and the Hale House Museum, a restored 1840s gem.

Pet Tales: Why Dogs and Cats Brighten Our Lives

dashlock — Thu, 24 Apr 2025 21:13:19 +0000

Pets bring joy, companionship, and a touch of chaos that makes life richer, as my wife and I recently rediscovered. For 10 years, we lived without an indoor pet after our beloved chocolate lab passed. The decision was practical—keeping our home clean felt easier without fur or muddy paws. But this year, we welcomed Izzy, our 5-month-old Olde English Bulldogge, and she’s transformed our world.

Izzy’s playful energy and love for people light up our days. Whether she’s chasing her favorite toy or greeting strangers with a wagging tail, her enthusiasm is contagious. At first, her puppy biting kept us on our toes, but with training, she’s calming down, proving that patience pays off. Seniors, especially, can find pets like Izzy rejuvenating. Dogs and cats offer emotional support, encourage light exercise, and spark social connections—perfect for staying active and engaged.

Low-maintenance breeds suit busy or less mobile lifestyles, and even older cats provide quiet companionship. Izzy’s short coat needs minimal grooming, fitting our routine. Pets also teach us resilience; navigating Izzy’s antics reminds us to laugh at life’s messes.

Your Guide to Affordable Care Act: Navigating ACA plans

dashlock — Thu, 24 Apr 2025 20:52:25 +0000

The Affordable Care Act (ACA) provides affordable health insurance through the Marketplace, offering plans in Bronze, Silver, and Gold tiers. Bronze plans have lower premiums but higher out-of-pocket costs, while Gold plans offer more coverage with higher premiums. All ACA plans cover essential benefits like doctor visits, hospital stays, preventive care, and prescriptions, with subsidies available based on income. Open Enrollment runs November to January, with Special Enrollment for life events like marriage or job loss.

Ashlock Insurance simplifies ACA navigation, helping you select a plan based on your healthcare needs, budget, and subsidy eligibility. We compare provider networks, clarify terms, and handle enrollment paperwork, ensuring compliance with ACA rules. Let Ashlock Insurance secure affordable, tailored coverage for you—contact us today.

Decoding Medicare: Your Plan Options Explained

dashlock — Thu, 24 Apr 2025 20:40:38 +0000

Medicare offers diverse plans, and Ashlock Insurance guides you through them. Original Medicare includes Part A (hospital stays, skilled nursing, hospice) and Part B (doctor visits, preventive care). This government program has fixed costs but no drug coverage or out-of-pocket caps, often requiring additional plans.

Medicare Advantage (Part C), a private option, combines Parts A and B, often including Part D (drugs), dental, and vision. It may reduce costs but limits you to network providers. Part D, standalone or within Advantage, covers medications based on formularies. Medigap, for Original Medicare, offsets copays and deductibles but excludes drugs, so pair it with Part D.

Ashlock Insurance simplifies your decision, ensuring Original Medicare with add-ons or Advantage fits your health and budget. We prioritize coverage for your health, cost, and peace of mind. Contact us to find your ideal Medicare plan.

Your Insurance Journey Starts Here

dashlock — Thu, 24 Apr 2025 20:13:32 +0000

Welcome to Ashlock Insurance, your trusted partner for Health insurance. We simplify the insurance process with personalized guidance to find coverage that fits your healthcare and financial needs. Whether navigating Medicare, exploring ACA plans, or securing life insurance, our experienced team supports you every step.