Joseph Cioffi Insurance
Independent Life and Health Insurance Agent
Licensed in Oregon, Arizona, California, Idaho, Montana, Nevada, North Dakota, Tennessee, Texas, Utah and Washington
Do you have questions about your current Medicare? Are you sure you have the right coverage?
As a professional independent agent my client’s peace of mind is my priority. Making sure my clients understand their coverage and are comfortable with their premiums and out of pocket responsibilities is my goal. My customers also know that they can call me 7 days a week if they have a question or concern. They also know that each year I will reach out to make sure they are still on the right plan.
Is your Life Insurance Plan up to date? Will your current coverage do what it’s intended to do when it needs to?
Should you have Term, Universal or Whole Life Insurance? There are several factors to consider before you answer that question. It’s my job to assist my clients in determining what type of life insurance and how much coverage they should have. Let’s talk and help you answer these important questions.
Is your retirement nest egg safe? Does the volatility of the market have you concerned?
Is your retirement plan recession proof? Is your retirement plan safe when the market adjusts? If the stock market takes another hit are you still going to be able to achieve your goals? Have you ever considered and annuity and you just aren’t sure if it’s right for you?
As an Independent Agent I am your advocate, I work for you 7 Days a Week, not the Insurance Company.
I am an experienced life and health insurance agent specializing in Medicare Advantage Plans, Medicare Supplement Plans, Prescription Drug Plans, Life Insurance and Annuities. Please see the Services page of this web site to learn more about the services I offer.
I can meet with you in my office, in your home, or over the phone, Monday – Saturday.
If you would like a quote or would like additional information, please call me at (458) 205-8398 or use my Contact page.
A lot of people talk about integrity, my goal is to prove my integrity by my actions and the quality of service and products I provide my clients.
Please be Watchful for COVID-19 Scams
Here is an excerpt from an email I received from one of companies I represent.
“Regrettably, there are groups of people who seek to use these situations for their own personal gains. We’ll call them “bad actors”. We’ve seen these bad actors increase their efforts and alter their activities to take advantage of COVID-19. To combat these bad actors, we wanted to share some helpful tips, which apply to your work accounts and personal accounts.
We are already seeing the bad actors preying on the fear around COVID-19. We’ve seen all sorts of scams from phishing campaigns, malicious websites, malicious mobile applications, and even cyber-attacks against Health and Human Services Department (HHS) to spread misinformation.
Whether at work or at home, below are some examples of the types of scams you should be on the lookout for:
- Emails that appear to be from organizations such as the CDC (Centers for Disease Control), or the WHO (World Health Organization). The scammers have crafted emails that appear to come from these sources, but they actually contain malicious phishing links or dangerous attachments.
- Emails that ask for charity donations for studies, doctors, or victims that have been affected by the COVID-19 Coronavirus. Scammers often create fake charity emails after global phenomenon occur, like natural disasters, or health scares like the COVID-19.
- Emails that claim to have a “new” or “updated” list of cases of Coronavirus in your area. These emails could contain dangerous links and information designed to scare you into clicking on the link.
- Websites that appear to be providing legitimate information on COVID-19, but are malicious in nature. They typically appear as links in email, but may also appear in search results. Many of the websites leverage real data from sources such as Johns Hopkins, but perform malicious activities.
- Mobile applications which claim to track COVID-19, using information from Johns Hopkins, have been discovered to contain malicious code. These are being removed from the various mobile application stores, but often after they’ve already been installed by thousands.
Keep in mind, these are only a few examples and these bad actors are constantly coming up with new ways to exploit real world events. You are the uncontested first and best line of defense! Be vigilant in protecting and safeguarding your personal and work accounts.
What Can I Do?
Remain cautious! And always remember the following to protect yourself from scams like this:
- Never click on links or download attachments from an email that you weren’t expecting.
- If you receive a suspicious email that appears to come from an official organization such as the WHO or CDC, report the email to the official organization through their website and delete it.
- If you want to make a charity donation, go to the charity website of your choice to submit your payment. Type the charity’s web address in your browser instead of clicking on any links in emails, or other messages.
- If you are looking for information on COVID-19, only go to trusted resources following trusted links.
Only install mobile applications from the official stores (Apple or Play). Only install applications from trusted and reputable developers.
Scam Related to Government Relief
A friend of mine received a call today. Man claimed his Government issued check was ready for deposit into his Banking Account! He needed his account information for the deposit to go through! Please note, the government will not be calling you asking you for your bank account information.
The Annual Election Period for Medicare Advantage and Medicare Prescription Drug Plans is October 15th – December 7th.
The Medicare Advantage Open Election Period is from January 1st to March 31st.
There are also initial and special election periods that can apply to you individual situation. To learn more attend one of my Medicare Made Clear or a specific plan presentations. Or feel free to give me a call at (458) 205-8398.
Medicare.gov allows you to find information about plans available in your area. It can be difficult to navigate. I am here to help. Click here to contact me to set up an appointment for assistance in determining what plan will best meet your needs.
Medicare Made Clear is also a good resource for information regarding Medicare.