F.A.Q.

Part D Drug Plans will be done a bit differently for 2026.  You will be in charge of shopping your plan, but don't worry we have a step by step video to show you how to make sure you have the best drug plan for next year.  If you would like to explore a Medicare Advantage Plan for next year, please book an appointment.  

VIDEO: How to Shop Your Drug Plan for 2026

This Medicare 101 will answer 95% of the questions you have and give you a great overview of the Alphabet Soup of Medicare.

VIDEO: Medicare 101 Pre-Recorded Webinar - Everything you need to know!

Check out this video on how to enroll in Original Medicare, Part A & B through your My Social Security Account online.

VIDEO: How to Apply for A & B​​​

In most cases yes, you can change your coverage each year during the Medicare Annual Enrollment Period which runs from October 15 through December 7.  

Here is a helpful video on the changes you can make and some of the hoops you may have to jump through to change between certain Medicare plan options.

VIDEO: Changing Plans

Your Part B Premiums are determined based on your Modified Adjusted Gross Income as reported on your 1040 tax form (Line 11 + Line 2a) from 2 years ago.  If enrolling in Medicare in 2026, premiums will be based on MAGI from the 2024 tax return.  In 2027 they will look at 2025, in 2028 they will look at 2026, ect.

Watch this video to see a full explanation and the current Part B Premium amounts.

VIDEO: 2026 Part B Premiums Explained
VIDEO: 2024 How to Read My Medicare Premiums Bill

This year in 2025, there is NO MORE DONUT HOLE.  There are currently 3 Stages of Drug Coverage...when you enroll in Medicare, whether your drug plan is built into a Medicare Advantage Plan or you have a stand alone Part D drug plan, every Medicare beneficiary is susceptible to the 3 stages of Drug Coverage as dictated by the Centers for Medicare and Medicaid.  In 2025 there is a $2,000 max out of pocket on all prescription medications that are covered by your drug plan.

Depending on the medications you are taking and the Tier they fall in on your drug plans formulary you may, will dictate the cost of your Medications - set up a review and we can make sure you have the best drug plan for you.

Here is a video on the 4 Stages of Drug Coverage

VIDEO: 2025 Drug Costs Explained

Yes, if you have had a life changing event of work stoppage (retirement) you may be able to petition Medicare to lower your Part B Premiums if you have also had a reduction in your income.

Watch my video to learn more.

VIDEO: SSA 44 Explained

I get this question all the time, the way that we are compensated is through the Insurance companies, when we write a policy they pay us a commission.  These commissions are regulated by the Centers for Medicare and Medicaid.  I want to do what is best for my client based on their needs.

You do not pay us anything and you do not pay more or less because you worked with us. We just take the guess work out and make the process much easier than navigating Medicare on your own. Plus were are there for you after the enrollment, we are the first line of defense for our clients when thay have questions or issues arise.

VIDEO: Who I Am

Of course we are here to help you navigate the many options when it comes to coverage choices, but we understand the do-it-yourselfers out there.

Please USE THIS LINK to go directly to our self serve Comparison Tool, you can input your Doctors and Medications to see which plan options are available to you.  You can even enroll yourself.