Xtreme Insurance

09/01/2026

You will see two helpful posts below this one in my feed. One is for those who are Medicare Clients and the other is for Markeplace clients.
I am partnered with Alpine and they are how I am able to provide South Carolina, Blue Cross, and Blue Shield to you.

Recently, Alpine has opened an office location here in the Fort Mill area, which allows me the opportunity to work even closer with them than I have been before. This is great news for all my existing clients as well as anyone in this area who needs assistance with finding the right type of coverage to fulfill your needs.

As always, I will remain your local contact. Nothing changes there, but I believe Alpine taking the initiative and moving into this area, demonstrates their passion and caring for all their agents, but more importantly YOU as our clients.

09/01/2026

📬 Keep an eye on your mailbox this September! If you have a Medicare Advantage or Part D prescription drug plan, you should be receiving your Annual Notice of Change (ANOC) letter by September 30th. This letter explains what's changing with your plan starting January 1st — things like your premium, deductible, drug coverage, which doctors or pharmacies are in network, and how benefit coverage is changing.

It's easy to set this letter aside, but taking a few minutes to read through it can save you from surprises come the new year. And if something in your ANOC catches your attention, remember that Medicare's Annual Enrollment Period runs from October 15th through December 7th, giving you time to compare plans and make a change if you need to.

If you have questions about what your ANOC means for you, we're always happy to help walk through it with you and discuss plan options starting October 1. Send us a message or give us a call!

09/01/2026

Bronze, Silver, Gold, Platinum. On the Health Insurance Marketplace, metal tiers have nothing to do with quality of care. Every plan, no matter the tier, covers the same 10 essential health benefits, things like hospitalization, prescription drugs, maternity care, and mental health services. The tiers are really about one thing: how you and your plan split the cost.

Here's how that split generally breaks down:

💲Bronze: the plan pays about 60%, you pay about 40%. Lower premiums, higher deductibles.
💲Silver: the plan pays about 70%, you pay about 30%. A middle ground on both.
💲Gold: the plan pays about 80%, you pay about 20%. Higher premiums, lower costs at the doctor.
💲Platinum: the plan pays about 90%, you pay about 10%. The highest premiums, the lowest costs when you need care.

Silver deserves a deeper look, because it's the only tier where you can access cost-sharing reductions if you qualify based on income. Those savings can push a Silver plan's cost coverage as high as 96%, all while keeping a Silver level premium.

Not sure which tier fits your situation? We're happy to walk through your options and help you compare plans side by side.

08/31/2026

🏥 Why choose Xtreme Insurance?

Because choosing health insurance shouldn’t mean navigating it alone.

At Xtreme Insurance, I work for you—helping you compare your options, understand your benefits, check available savings, and choose coverage that fits your needs and budget.

✅ Local & personal service
✅ Multiple plan options
✅ Help before, during & after enrollment
✅ No call-center runaround

💙 Celebrate Life. Protect Life.
Xtreme Insurance — Insurance Made Personal.

08/27/2026

Mark your calendar 🗓️ Marketplace Open enrollment 2027 is right around the corner.

Marketplace Open Enrollment
Nov 1, 2026 – Jan 15, 2027

Enroll by Dec 15 if you want coverage beginning Jan 1, 2027. Miss a deadline? Special Enrollment may apply after qualifying life events, and Medicaid/CHIP is year-round.

Important: Current clients and those new to the Marketplace that will be using our services or the services of another agent, it is highly recommended that you update your application,authorization and consent forms prior to October 12th as there are going to be new security protocols put in place. We will be emailing and calling all clients by September 15th so there is nothing for you to do now. Doing this step will save us both a lot of time and ensure a smooth enrollment for you this year.

As an Elite Circle of Champions 2025 agency, Xtreme Insurance is here to make it simple. Let’s find the right plan for you and your family.

Xtreme Insurance — Celebrate life, Protect Life

08/27/2026

08/26/2026

Insurance is easy to buy. The right protection takes someone who actually cares.

At Xtreme Insurance, I don’t believe you should have to navigate your health, life, and future protection alone.

I take the time to understand you, your needs, and your goals—then help you find coverage that makes sense for your situation.

Because protecting your health, your life, and the people you love deserves more than a transaction.

Go beyond ordinary. Go Xtreme.
📩 Message me and let’s talk about protecting what matters most.

08/26/2026

Many people ask, how did I go from being a DJ to owning an insurance agency? I guess getting to help people celebrate life taught me just how important it is to protect it.

I still DJ because I love helping people make lasting memories. There’s nothing like the energy of a crowd living in the moment.

As owner of Xtreme Insurance, I bring that level of passion for what matters most, our families and loved ones.

Health, life, and accident coverage means you can keep making memories — with peace of mind behind you.

From the decks to the desk, it’s always been about people.

Celebrate Life, Protect Life

For more of my story and the services I offer please visit:

www.xtremeinsurance.biz

08/26/2026

Your family. Your future. Your legacy. ❤️

Life insurance and estate planning aren’t just about what happens when you’re gone—they’re about making sure the people you love are protected and prepared.

Whether you’re raising a family, paying off a mortgage, building a business, or simply want to make sure your wishes are known, having a plan matters.

Let’s protect what matters most.

📩 Message me. Let’s talk about your options.

08/25/2026

Why Do I Need an Insurance Agent? 🤔

“I can enroll online myself.”

Absolutely—you can. But having an agent you trust can make a big difference.

✅ Protect your information — Have someone you know and trust help navigate the process.

⏱️ Save time — Instead of sorting through countless plans, I can help narrow down the options that fit your needs.

💰 Get the subsidies you qualify for — I can help make sure your application is set up correctly so you receive the savings you’re eligible for.

📋 Find coverage that actually fits YOU — The cheapest plan isn’t always the best plan for your doctors, prescriptions, budget, and healthcare needs.

And most importantly…

You’re not just a number.

Call centers and unsolicited callers may be focused on getting the enrollment completed. My goal is different: helping you find coverage that makes sense for your individual situation—today and throughout the year.

If you’re seeing this post, there’s a good chance you’re in an area I already serve or regularly travel to meet clients.

📍 Outside my normal service area? No problem. I can also meet with you by Zoom or video chat.

Insurance doesn’t have to be confusing. You don’t have to figure it out alone.

📲 Let’s make sure your coverage works for YOU.



Tony Cooke
Xtreme Insurance-Rock Hill SC
Licensed Agent SC, NC
Agency Owner