PO Box 9232, Hickory, NC 28603 • 1-888-439-9797 • (828) 256-8756 • duane@djinsurance.com
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Email: duane@djinsurance.com

With today’s ever changing healthcare environment it can be difficult to find the answers to your health insurance questions.


No matter your family’s situation, we can help answer your questions.


With over 35 years of experience, we have the knowledge to help guide you through the seemingly endless maze of health insurance.

Healthcare Reform
Will Affect You!

Although you may have many questions regarding the Patient Protection and Affordable Health Care Act (PPACA) passed by Congress in 2009, you can be sure....

you and your family will be affected!


While the full extent of healthcare reform is not scheduled to be in full force until 2014, over 20 elements of the PPACA are scheduled to go into effect in 2011.


Don’t wait to discover how your life and the lives of those you love will be altered. Call today to determine any options you may have and find out how to best prepare for the effects of the healthcare reform legislation.

Are You Paying 
Too Much
For Your
Health Insurance?
HMO...PPO...What’s The Difference?
Medicare A, B, C or D...
																						Which One is Right for Me?
What is Coinsurance??
Will My Prescriptions
Be Covered?
What Type of Deductible
Should I Have?
How Does
an HSA Work?