Arocho Insurance Agency

09/15/2026

Medicare Annual Enrollment begins October 15th, which means now is the time to watch for an important document from your current Medicare Advantage or Part D plan: your Annual Notice of Change (ANOC)

Typically mailed in September, and no later than September 30th, your ANOC outlines any updates that may take effect on January 1st. Even if you’ve been happy with your current coverage, reviewing these changes carefully can help you avoid unexpected costs or coverage gaps in the year ahead.

Your ANOC may include updates to:

✅ Monthly premiums and other out-of-pocket expenses.
✅ Prescription drug coverage and formularies.
✅ Doctor, hospital, and pharmacy networks.
✅ Copays, deductibles, and additional plan benefits.

Small plan changes can make a significant difference in your health care costs and provider access. Taking time to review your ANOC now can help you make more informed decisions during Medicare Annual Enrollment.

If you would like help understanding your plan changes or comparing your Medicare options before enrollment begins, contact us anytime. We are here to help you review your coverage and find a plan that fits your needs for 2027.

09/11/2026

09/11/2026

Honor our heroes of 9/11 by completing the stair climb challenge at LA Fitness in Toms River on Hooper Ave

09/11/2026

Twenty-five years ago, the world changed, and the courage, resilience, and unity that followed reminded us of what we are capable of in our darkest moments.

On Patriot Day, we pause to honor the lives lost on September 11, 2001, and to pay tribute to the first responders, volunteers, and everyday individuals who showed extraordinary strength when it mattered most.

We remember. We honor. We will never forget.

09/07/2026

Wishing everyone a relaxing and joyful Labor Day weekend from all of us at Arocho Insurance Agency! We hope you enjoy some well‑deserved downtime with family and friends.

Our team will be here after the holiday to help answer any Medicare questions or guide you through your health insurance options. Enjoy the break—you’ve earned it! 🇺🇸

08/26/2026

Understanding Medicare Savings Programs can make a meaningful difference in managing your health care costs. Swipe for an overview of how these programs work and what they may cover.

If you have questions about Medicare Savings Programs or want help determining your eligibility, contact our team today. We are here to help you navigate your options with confidence.

08/11/2026

Your Medicare coverage should not be something you only think about once a year. Certain life changes, plan questions, or coverage issues are good reasons to reach out sooner to avoid surprises and make sure your plan still fits your needs.

Swipe to see when it is a good time to call your Medicare agent.

The best time to call your Medicare agent is before a small question becomes a bigger coverage problem. If you need help reviewing your plan, preparing for enrollment, or understanding a recent life change, contact our office.

08/06/2026

If you’re turning 65 soon and are unsure about what it means to enroll in Medicare, you are not alone. One of the most common questions we hear from those nearing retirement is around the timeline for signing up for Medicare.

So, we wanted to share a few important reminders to help you stay on track:

✅Know your enrollment window. Your initial enrollment window lasts for seven months — three months before your 65th birthday, your birthday month, and three months after your birthday. Enrolling early in this timeframe can help ensure your coverage begins right when you need it.

✅Understand how to sign up. Some individuals are automatically enrolled in Original Medicare, while others need to take action themselves to enroll in Original Medicare. This often depends on whether you are already receiving Social Security benefits.

✅Do not delay without a plan. Waiting too long to enroll without qualifying coverage can result in delayed coverage start dates and ongoing late-enrollment penalties.

✅Be aware of other options. If you are still working and covered under an employer plan, you may qualify for a Special Enrollment Period that can allow you to defer your enrollment. However, missing all enrollment windows can limit your options and increase costs, so it's best to clarify this early.

Medicare decisions can feel overwhelming, but you do not have to navigate them alone. Whether you are approaching 65 or are simply evaluating your options, contact us for guidance tailored to your situation.

07/29/2026

Summer can bring a sense of freedom. The freedom to travel, explore, try new things, and make memories that last a lifetime.

Knowing that your health insurance has your back, no matter where the season takes you, can make the freedom that summer brings that much more enjoyable. Our team is here to help guide you through your options and help you make the most of your coverage.

Give us a call today, and let us help ensure your health plan is ready to give you the freedom to enjoy every moment.

07/24/2026

Summer is the perfect time to focus on your health, and your Medicare benefits are here to support you every step of the way. Swipe for more information.

Our team is ready to help you review your coverage, understand your options, and help you build a healthier, more confident routine for the months ahead. Give us a call today to review your Medicare plan and make sure you’re set for a healthy summer.