3D Insurance Agency

3D Insurance Agency We are a family owned agency, offering free consultations and a straight forward, non-biased approach to your Medicare and other Health Insurance needs!

Our team is committed to caring for our clients like family and being here when you need us!

Are You Using All Your Medicare Advantage Plan Benefits?Many people enroll in a Medicare Advantage plan and only use it ...
02/26/2026

Are You Using All Your Medicare Advantage Plan Benefits?

Many people enroll in a Medicare Advantage plan and only use it for doctor visits and prescriptions. However, today’s plans often include dental, vision, hearing, over the counter allowances, fitness programs, preventive care, and more.

If you are not using these benefits, you could be leaving real value on the table.

In our colleagues latest blog, they break down simple ways to make sure you are getting the full advantage of your Advantage plan and how a quick benefits review can help you avoid missed opportunities.

At 3D Insurance Agency, we believe Medicare is not just about having a card in your wallet. It is about knowing how to use it.

Read the full blog and make sure nothing goes unused
https://www.yostinsurance.com/are-you-using-all-your-medicare-advantage-plan-benefits/

IMPORTANT NOTIFICATION FROM CMS!January 27, 2026CMS Announces Selection of Drugs for the Third Cycle of the Medicare Dru...
01/28/2026

IMPORTANT NOTIFICATION FROM CMS!

January 27, 2026

CMS Announces Selection of Drugs for the Third Cycle of the Medicare Drug Price Negotiation Program, Including First-Ever Selection of Drugs Payable under Part B

Today, in accordance with section 1192 of the Social Security Act (the Act) and section 30 of the Medicare Drug Price Negotiation Program: Final Guidance, Implementation of Sections 1191 – 1198 of the Social Security Act for Initial Price Applicability Year 2028 and Manufacturer Effectuation of the Maximum Fair Price in 2026, 2027, and 2028 (“Final Guidance”), the Centers for Medicare & Medicaid Services (CMS) announced the selection of 15 drugs payable under Part B and/or covered under Medicare Part D for price negotiations for initial applicability year 2028. Between November 2024 and October 2025, about 1.8 million people with Medicare Part B and/or Part D coverage used these drugs to treat a variety of conditions, such as cancer and psoriatic arthritis. These selected drugs accounted for about $27 billion in prescription drug total expenditures under Medicare Part B and Part D, or about 6%, during that time period.

The selected drug list for the third cycle of negotiations is:

Anoro Ellipta
Biktarvy
Botox; Botox Cosmetic
Cimzia
Cosentyx
Entyvio
Erleada
Kisqali
Lenvima
Orencia
Rexulti
Trulicity
Verzenio
Xeljanz; Xeljanz XR
Xolair

In addition, CMS announced the selection of one drug chosen for renegotiation:

Tradjenta

In accordance with the law, the negotiations with participating drug companies for these drugs will occur in 2026 and any negotiated and renegotiated prices will become effective in 2028.

View a CMS fact sheet on the drugs selected for the Medicare Drug Price Negotiation Program at: https://www.cms.gov/sites/default/files/2026-01/factsheet-medicare-negotiation-selected-drug-list-ipay-2028.pdf.

More information on the Medicare Drug Price Negotiation Program is available at https://www.cms.gov/priorities/medicare-prescription-drug-affordability/overview/medicare-drug-price-negotiation-program.

For questions, please contact [email protected].

Centers for Medicare & Medicaid Services (CMS) has sent this update. To contact Centers for Medicare & Medicaid Services (CMS) go to our contact us page.
Corrected Link: CMS Announces Selection of Drugs for the Third Cycle of the Medicare Drug Price Negotiation Program, Including First-Ever Selection of Drugs Payable under Part B
01/27/2026
Centers for Medicare & Medicaid Services

12/30/2025
Have you checked the changes to your 2026 Medicare coverage? Time is running out. ⏳
12/04/2025

Have you checked the changes to your 2026 Medicare coverage? Time is running out. ⏳

🧡🦃🤎 Happy Thanksgiving 🤎🦃🧡
11/27/2025

🧡🦃🤎 Happy Thanksgiving 🤎🦃🧡

Part B Premium for 2026: $202.90.
11/15/2025

Part B Premium for 2026: $202.90.

The 2026 COLA (cost of living adjustment) has been announced for the 2026 year. It is going to be a 2.8% increase. They ...
11/06/2025

The 2026 COLA (cost of living adjustment) has been announced for the 2026 year. It is going to be a 2.8% increase. They have not announced the standard Medicare Part B premium for the 2026 year, it is PROJECTED to be around $206.50, an increase of $21.50 a month.

2026 SOCIAL SECURITY CHANGES Cost-of-Living Adjustment (COLA): Based on the increase in the Consumer Price Index (CPI-W) from the third quarter of 2024 through …

Ready to get wiser? According to a June 27th release by the Centers for Medicare & Medicaid Services (CMS), they are rol...
07/25/2025

Ready to get wiser? According to a June 27th release by the Centers for Medicare & Medicaid Services (CMS), they are rolling out a “new Innovation Center model aimed at helping ensure people with Original Medicare receive safe, effective, and necessary care. Wasteful and Inappropriate Service Reduction (WISeR).” While this is a voluntary program for the first six years, the underlying concept seems transparent – testing the implantation of a prior authorization model for Original Medicare.

In addition to nearly limitless access to care sans a network, one of the notable features of selecting Original Medicare, coupled with a Medicare Supplement Plan, has historically been the lack of prior authorization and some of the red tape consumers can face with Medicare Advantage Plans. So, what is the short-term and long-term intent behind this voluntary model program? While we live in a reactionary world, I am not so sure this should cause significant alarm; however, it should capture our focus and attention. Anytime the government is testing something there is good reason – they intend to make a change… eventually.

The thesis of release is summarized in the following excerpt:

“CMS is committed to crushing fraud, waste, and abuse, and the WISeR Model will help root out waste in Original Medicare,” said CMS Administrator Dr. Mehmet Oz. “Combining the speed of technology and the experienced clinicians, this new model helps bring Medicare into the 21st century by testing a streamlined prior authorization process, while protecting Medicare beneficiaries from being given unnecessary and often costly procedures.”

A careful read of the release and related documents reveals key works such as reducing “low-value serves,” “minimal benefit,” “no clinical benefit,” “increase patient costs,” and “inflating heath care spending.” In other words, let’s harness the power of technology to limit unnecessary and/or potential harmful procedures to reduce costs for the patient, carrier, and Medicare Program. The release clearly indicates a narrow initial focus to include services “particularly vulnerable to fraud, waste, and abuse, or inappropriate use” such as “skin and tissue substitutes, electrical nerve stimulator implants, and knee arthroscopy for knee osteoarthritis.”

What then does this mean for Medicare recipients, for the 2026 plan year and beyond?

If your Medicare Supplement carrier volunteers and is selected as a model participant, you may experience the WISeR Model in action – depending on your demographical region.
Like most initiatives, guidance is emergent so it is hard to tell what the actual process will look like or how denials/redirections might work – especially in year 1 of the Model Program.
There is an incentive for participants in that they “will be rewarded based on the effectiveness of their technology solutions for reducing spending on medically unnecessary or non-covered services. For each selected service, participants will receive a percentage of the reduction in savings that can be attributed to their reduction of wasteful or inappropriate care.”
It is important to at least become familiar with this new program and your potential to experience some of the changes it will generate in 2026.
It is critical not to blow things out of proportion as the year 1 model is extremely limited in scope and patently excludes “inpatient-only services, emergency services, and services that would pose a substantial risk to patients if delayed.”
Stay tuned for more updates and information in the weeks and months ahead!

For additional details, check out the following CMS information page: https://www.cms.gov/priorities/innovation/innovation-models/wiser

07/16/2025

**ATTENTION** **PLEASE READ**

If you are receiving calls from 978-622-0589 DO NOT ANSWER and, if you do, DO NOT CONFIRM ANY PERSONAL INFORMATION (No matter how much they have/ask)!!
DO NOT ENGAGE WITH CALLS FROM THIS NUMBER. This is a phishing scam targeting Seniors!

MEDICARE WILL NEVER MAKE UNSOLICITED CALLS TO ANYONE!

PLEASE pass this information on to those you love.

In the day of cellphones and caller ID, there is no reason to answer calls from phone numbers you don't recognize!

If the call is legitimate, they will leave a message and you can then promptly return the call, once you've verified that it's a legitimate caller.

This will save you so much upset and turmoil and possible financial issues!

As we celebrate the birthday of our country, we want to wish you a very Happy Independence Day! This holiday is a time t...
07/04/2025

As we celebrate the birthday of our country, we want to wish you a very Happy Independence Day! This holiday is a time to reflect on the courage and sacrifices of those who fought for our freedom and to celebrate this great country.

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