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			<title>ACA, ICHRA, and Why Now is a Golden Opportunity for Insurance Agents</title>
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			<title>Transferring Uplines Made SIMPLE</title>
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			<title>What are the extra benefits offered in a Medicare Advantage Plan?</title>
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			<title>Choose Local!</title>
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			<title>Holiday Gifting</title>
			<pubDate><![CDATA[Wed, 30 Nov 2022 23:39:44 +0000]]></pubDate>
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			<guid><![CDATA[https://hovisandassociates.com/what-does-the-new-cms-final-rule-really-mean/]]></guid>
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			<title>What Does the New CMS Final Rule really mean?</title>
			<pubDate><![CDATA[Tue, 30 Aug 2022 20:17:53 +0000]]></pubDate>
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					<item>
			<guid><![CDATA[https://hovisandassociates.com/weighing-the-pros-and-cons-of-variable-annuities/]]></guid>
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			<title>Weighing the pros and cons of variable annuities</title>
			<pubDate><![CDATA[Tue, 30 Aug 2022 20:16:49 +0000]]></pubDate>
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			<guid><![CDATA[https://hovisandassociates.com/]]></guid>
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			<title>Home</title>
			<pubDate><![CDATA[Tue, 07 Oct 2025 00:45:35 +0000]]></pubDate>
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					<item>
			<guid><![CDATA[https://hovisandassociates.com/the-best-age-to-buy-long-term-care-insurance/]]></guid>
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			<title>The Best Age to Buy Long-Term Care Insurance</title>
			<pubDate><![CDATA[Mon, 31 Oct 2022 21:50:50 +0000]]></pubDate>
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					<item>
			<guid><![CDATA[https://hovisandassociates.com/smoothing-the-road-to-retirement/]]></guid>
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			<title>Smoothing the Road to Retirement</title>
			<pubDate><![CDATA[Mon, 03 Oct 2022 00:10:45 +0000]]></pubDate>
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					<item>
			<guid><![CDATA[https://hovisandassociates.com/premium-and-deductible-changes-for-medicare-part-a-and-part-b-for-2023/]]></guid>
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			<title>Premium and Deductible Changes for Medicare Part A and Part B for 2023</title>
			<pubDate><![CDATA[Fri, 27 Jan 2023 16:12:32 +0000]]></pubDate>
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					<item>
			<guid><![CDATA[https://hovisandassociates.com/what-your-medicare-agent-should-be-doing-for-you-during-annual-enrollment-period/]]></guid>
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			<title>What Your Medicare Agent Should Be Doing for You During Annual Enrollment Period</title>
			<pubDate><![CDATA[Fri, 04 Nov 2022 17:30:17 +0000]]></pubDate>
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					<item>
			<guid><![CDATA[https://hovisandassociates.com/2023-medicare-aep-q-a-with-kevin-hovis/]]></guid>
			<link><![CDATA[https://hovisandassociates.com/2023-medicare-aep-q-a-with-kevin-hovis/]]></link>
			<title>2023 Medicare AEP Q &#038; A with Kevin Hovis</title>
			<pubDate><![CDATA[Fri, 04 Nov 2022 17:28:15 +0000]]></pubDate>
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					<item>
			<guid><![CDATA[https://hovisandassociates.com/time-in-the-market/]]></guid>
			<link><![CDATA[https://hovisandassociates.com/time-in-the-market/]]></link>
			<title>Time in the Market</title>
			<pubDate><![CDATA[Mon, 01 Aug 2022 14:57:06 +0000]]></pubDate>
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					<item>
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			<title>Still Working and Medicare Eligible</title>
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			<guid><![CDATA[https://hovisandassociates.com/hovis-associates-will-be-joining-integrity/]]></guid>
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			<title>Hovis &#038; Associates will be joining Integrity.</title>
			<pubDate><![CDATA[Tue, 07 Jun 2022 15:40:48 +0000]]></pubDate>
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			<guid><![CDATA[https://hovisandassociates.com/free-ce-supporting-our-agents-always-in-all-ways/]]></guid>
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			<title>Free CE – Supporting Our Agents Always in ALL Ways</title>
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			<title>Financial Foundations:  Suitability and Risk Tolerance</title>
			<pubDate><![CDATA[Thu, 30 Jun 2022 17:15:52 +0000]]></pubDate>
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			<guid><![CDATA[https://hovisandassociates.com/still-working-and-medicare-eligible-transcript/]]></guid>
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			<title>Still Working and Medicare Eligible Transcript</title>
			<pubDate><![CDATA[Thu, 30 Jun 2022 17:03:25 +0000]]></pubDate>
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			<title>Working Past Medicare Eligibility Transcript</title>
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			<title>The Aftermath of Losing a Spouse</title>
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			<title>Moving on Medicare</title>
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			<title>Interpreting Medicare</title>
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			<title>Moving on Medicare Transcript</title>
			<pubDate><![CDATA[Fri, 20 May 2022 17:52:39 +0000]]></pubDate>
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			<guid><![CDATA[https://hovisandassociates.com/drug-interactions-learn-to-be-your-own-advocate/]]></guid>
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			<title>Drug Interactions-Learn to Be Your Own Advocate</title>
			<pubDate><![CDATA[Fri, 20 May 2022 17:24:09 +0000]]></pubDate>
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			<guid><![CDATA[https://hovisandassociates.com/top-to-dos-to-keep-premiums-low/]]></guid>
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			<title>Top To-Dos to Keep Premiums Low</title>
			<pubDate><![CDATA[Thu, 28 Apr 2022 23:17:22 +0000]]></pubDate>
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