Kim Gibas, CIC

10/03/2026

Medicare Annual Enrollment starts Oct 15. Get organized first. Our no-cost checklist helps you review your plan changes, prescriptions, and doctors before you decide to stay or switch. https://next-genins.com/medicare-changes-checklist

We do not offer every plan available in your area. Currently we represent 10 organizations which offer 75 products in your area. Please contact Medicare.gov, 1-800-MEDICARE, or your local State Health Insurance Program (SHIP) to get information on all of your options. NextGen Insurance Advisors is an independent insurance agency and is not affiliated with Medicare or any government agency.

Free Download • 2027 Plan Year Annual Medicare Changes Checklist Updates on plan changes, costs and coverage, to help you make informed decisions this enrollment period. Key AEP dates: Oct…

10/01/2026

Did your Medicare plan mail you a packet this fall? 📬

That's your Annual Notice of Change (ANOC). It shows what's changing in 2027: prescriptions, doctors, pharmacies, dental and costs.

Annual Enrollment runs Oct 15 – Dec 7. In a 15-minute, no-cost call, I'll help you check that your plan still fits.

📞 Call or text Kim

Kim Gibas, CIC | NextGen Insurance Advisors | Serving Southeast Michigan

09/21/2026

Still working at 65? Don't guess on Medicare. A wrong guess can mean a penalty for life. ⚠️

Here's what to know:
✅ If a current job covers you, you may be able to delay Part B without a penalty.

❌ COBRA and retiree plans don't count as current-work coverage.

📅 Retiring? You have 8 months after your work coverage ends to enroll in Part B.

Not sure where you stand? Let's map out your timeline together. No cost, no pressure.

📞 Call or text Kim

Kim Gibas, CIC | NextGen Insurance Advisors | Serving Southeast Michigan

08/25/2026

I was asked a question earlier this week: Is the Medicare Part D “subsidy” is going away in 2027? Here’s what’s happening.

There are a lot of headlines floating around right now — and unfortunately, some make it sound like Medicare is suddenly taking away everyone’s prescription drug assistance.

That’s not exactly what’s happening.

In 2025, Medicare started a temporary Part D Premium Stabilization Demonstration for stand-alone prescription drug plans.

Why?

Because major changes were being made to Medicare Part D, including shifting more financial responsibility for prescription drug costs to the insurance companies.
Medicare wanted to help prevent dramatic premium increases while insurers adjusted to the new system.

📅 For 2027, CMS has announced that this temporary subsidy will end.

Remember the plan that worked for you in 2026 may not be the best fit in 2027.

Medicare is complicated. My job is to help you understand what the headlines don't always explain.

08/24/2026

🎉 40th Class Reunion Memories!

Looking back at my 40th class reunion got me thinking…

If you’re celebrating your 47th class reunion this year—or getting close to it—you may also be thinking about another milestone:

🎂 Turning 65!

And if Medicare has you thinking, “Wait… what am I supposed to do now?” 🤔😂

You’re definitely not alone!

Medicare can be confusing, especially when it comes to when to enroll, Part B, Medicare Advantage, Medigap, prescription coverage, and avoiding costly mistakes.

📞 Call me! I’ll help you make sense of your Medicare options and walk you through the process.

No-cost consultation. No pressure. Just answers.

06/17/2026

🚨 New Medicare GLP-1 Bridge Program Starts July 1
Are you on Medicare and currently taking, or considering, a GLP-1 medication for weight loss?

Starting July 1, 2026, CMS is launching the Medicare GLP-1 Bridge — a short-term program designed to help eligible Medicare Part D beneficiaries access certain GLP-1 medications.

This program has specific eligibility rules, clinical requirements, and prior authorization steps — and it may not apply to everyone.

I can help you understand:

✅ What the GLP-1 Bridge program is
✅ Who may qualify
✅ What questions to ask your doctor
✅ How your Medicare drug coverage fits into the picture

Call or message me today for a no-cost Medicare review.

05/24/2026

Happy Memorial Day Weekend! 🇺🇸

This weekend we pause to honor the brave men and women who gave everything so we could enjoy freedoms like… grilling, questionable potato salad, and arguing about whether to go to the lake.

But in all seriousness — thank you to every veteran and their families. Your sacrifice is never forgotten. 🙏

Speaking of protecting what matters most — if you or someone you love is turning 65 soon, I’ve got your back on this side of things too! 😄

Navigating Medicare can feel like reading a foreign language… written in a foreign language. That’s where I come in.

✅No cost, no-obligation consultations
✅ Local, real person (I answer my phone — wild, I know)
✅ Solutions tailored for turning 65
✅ I do the confusing stuff so you don’t have to

Whether you’re a few months out or already staring down your Medicare card with wide eyes — let’s chat. No pressure, no jargon, just answers.

Now enjoy that cookout — you’ve earned it. 🌭🍔☀️

05/23/2026

Happy Memorial Day Weekend! 🇺🇸

This weekend we pause to honor the brave men and women who gave everything so we could enjoy freedoms like… grilling questionable potato salad and arguing about whether to go to the lake.

But in all seriousness — thank you to every veteran and their families. Your sacrifice is never forgotten. 🙏

Speaking of protecting what matters most — if you or someone you love is turning 65 soon, I’ve got your back on this side of things too! 😄

Navigating Medicare can feel like reading a foreign language… written in a foreign language. That’s where I come in.

✅ FREE, no-obligation consultations
✅ Local, real person (I answer my phone — wild, I know)
✅ Solutions tailored for turning 65
✅ I do the confusing stuff so you don’t have to

Whether you’re a few months out or already staring down your Medicare card with wide eyes — let’s chat. No pressure, no jargon, just answers.

Schedule a no cost consultation today

https://next-genins.com/

Now go enjoy that cookout — you’ve earned it. 🌭🍔☀️

We provide insurance consulting at NextGen Insurance Advisors to help compare Medicare and health plans in Michigan. Learn more.

05/10/2026

Happy Mother’s Day to all the moms, grandmas, bonus moms, dog moms, and caregivers who spend their lives making sure everyone else is taken care of. 💐

Funny how moms are usually the first ones to remind everyone else about appointments, prescriptions, and deadlines… but often put their own health coverage questions last. 😉

If you or someone you love is turning 65 soon, don’t “mother” through Medicare confusion alone. I’m always happy to help make the process simple and stress-free.

Here’s to the women who always make sure everyone is covered — in every sense of the word. ❤️

05/05/2026

🌮🎉 Cinco de Mayo Check-In! 🎉🌮
Today might be about tacos, margaritas, and good times… but let me ask you something:

👉 When it comes to your Medicare coverage… are you celebrating your plan—or just hoping it works when you need it?

Just like a great recipe, the right Medicare plan is all about having the right ingredients:

✔️ Coverage that fits your doctors
✔️ Prescriptions that won’t surprise you at the pharmacy
✔️ Benefits that actually match your lifestyle

If your current plan feels more like a mystery than a fiesta… we should talk.

No pressure, no sales pitch—just a quick check to make sure everything still tastes right for you this year.

💬 Drop a 🌮 in the comments or message me if you want a quick review!

And however you’re celebrating today… enjoy it! 🇲🇽

— Your local Medicare resource