Thomas Family Agency

10/18/2026

A Sunday reminder: preparation is a thoughtful way to protect your household from financial strain after a covered health event.

Hospital indemnity, cancer, critical illness, and accident plans are supplemental coverage that may help with eligible out-of-pocket costs. Depending on the plan, benefits may be paid directly to you.

These plans do not replace major medical, ACA Marketplace, or Medicare Advantage coverage. Pre-existing condition exclusions, waiting periods, limits, and underwriting may apply.

If you have Medicare Advantage, review your full coverage picture to identify potential gaps and understand how primary and supplemental coverage may work together.

During your annual review, ask how hospital indemnity can help fill in your coverage gaps.

Schedule your "No-Cost" Review: https://calendly.com/tfainsurance



TPMO Disclaimer: We do not offer every plan available in your area. Any information we provide is limited to those plans we do offer in your area.

Please contact Medicare.gov or 1-800-MEDICARE (TTY users should call 1-877-486-2048) 24 hours a day/7 days a week to get information on all of your options.

Not affiliated with or endorsed by the government or Federal Medicare Program.

10/17/2026

Weighing your Medigap options? Let's break down Medicare Supplement (Medigap) plans.

PROS:
✅ Predictable coverage that fills the 20% gaps left by Original Medicare (copays, coinsurance, deductibles).
✅ Complete freedom to see any doctor or specialist nationwide who accepts Medicare, zero network restrictions!
✅ Guaranteed renewable, meaning your coverage can't be dropped as long as you pay your premiums.

CONS:
❌ Monthly premiums tend to be higher than Medicare Advantage.
❌ They do not include built-in prescription drug coverage (Part D), so you need a separate standalone plan.
❌ They do not cover extra routine benefits like dental, vision, or hearing.

Find the right supplement plan for your peace of mind. Schedule your "No-Cost" Review: https://calendly.com/tfainsurance.



TPMO Disclaimer: We do not offer every plan available in your area. Any information we provide is limited to those plans we do offer in your area. Please contact Medicare.gov or 1-800-MEDICARE (TTY users should call 1-877-486-2048) 24 hours a day/7 days a week to get information on all of your options. Not affiliated with or endorsed by the government or Federal Medicare Program.

10/16/2026

HAPPI Health is the best kept secret in the Huntsville & Decatur, AL area!

They are passionate about healthcare for ALL...
- Primary care for all ages
- Mental Health
- All insurance accepted including medicare, medicaid, Tricare, group, ect...
- Financial assistance for Un/Underinsured

10/16/2026

For seniors, a hospital stay can outlast recovery.

Some Medicare Advantage plans charge per-day hospital copays; some have in-network out-of-pocket maximums as high as $9,350. Original Medicare Part A also has a deductible per benefit period. About 4 in 10 U.S. adults carry medical debt.

Medicare covers eligible hospital care, but travel, home help, lost income and everyday bills may remain. Hospital indemnity is supplemental coverage that may pay a set benefit for covered admissions or days, subject to policy terms. It can work alongside Original Medicare or Medicare Advantage, but doesn’t cover routine care. Covered events, underwriting, exclusions and waiting periods may apply.

During your annual review, ask how hospital indemnity can help fill in your coverage gaps.

Schedule your “No-Cost” Review of your coverage options: https://calendly.com/tfainsurance

TPMO Disclaimer: We do not offer every plan available in your area. Any information we provide is limited to those plans we do offer in your area.

Please contact Medicare.gov or 1-800-MEDICARE (TTY users should call 1-877-486-2048) 24 hours a day/7 days a week to get information on all of your options.

Not affiliated with or endorsed by the government or Federal Medicare Program.

10/16/2026

Weighing your Medicare choices? Let's break down Medicare Advantage (Part C).

PROS: All-in-one convenience combining Part A & B, extra benefits like dental, vision & hearing, and annual out-of-pocket maximum protection.

CONS: Network restrictions with HMO/PPO provider limits, prior authorization requirements for certain treatments, and managed care approvals needed.

Navigating your Medicare choices? Schedule your "No-Cost" Review: https://calendly.com/tfainsurance

TPMO Disclaimer: We do not offer every plan available in your area. Any information we provide is limited to those plans we do offer in your area. Please contact Medicare.gov or 1-800-MEDICARE (TTY users should call 1-877-486-2048) 24 hours a day/7 days a week to get information on all of your options. Not affiliated with or endorsed by the government or Federal Medicare Program.

10/15/2026

Do you know the real difference between a $0 premium plan and a Supplemental plan? It’s about when you pay and how much you’re comfortable risking out-of-pocket.

Now is a good time to evaluate your strategy.

Medicare Advantage (Part C) may have $0 monthly premiums and extras like dental or vision, but uses provider networks and can have out-of-pocket costs up to $9,350. Hospital and specialist copays can add up.

Medicare Supplement (Medigap) plans have a monthly premium and let you see any doctor nationwide who accepts Medicare. They help cover gaps in Original Medicare with an out-of-pocket medical expense of $283, which is the annual Part B deductible.

My October calendar for Medicare reviews is officially OPEN and accepting appointments right now! Book a review slot today to discuss your options and ensure you’re fully protected.

Schedule your "No-Cost" Review here: https://tfainsurance.com/contact



TPMO Disclaimer: We do not offer every plan available in your area. Any information we provide is limited to those plans we do offer in your area.

Please contact Medicare.gov or 1-800-MEDICARE (TTY users should call 1-877-486-2048) 24 hours a day/7 days a week to get information on all of your options.

Not affiliated with or endorsed by the government or Federal Medicare Program.

10/15/2026

IT’S FINALLY HERE! 🚀

Today, October 15th, marks the official start of the Medicare Annual Enrollment Period (AEP). The wait is over, and it’s time to ensure your health coverage is working exactly how you need it to for the upcoming year!

This is your window to review, compare, and make changes to your plans. You have from now until December 7th to make your moves, but here’s the truth: our calendar is filling up FAST! 🗓️💨

Don’t leave your health and wealth to chance. We are here to act as your dedicated resource, simplifying the complex so you can focus on what matters most. Whether you’re looking to save on costs or find better benefits, we’ve got your back. Let's make sure you have the peace of mind you deserve.

Book your session NOW to lock in your spot before the rush!

Schedule your "No-Cost" AEP Review here: https://calendly.com/tfainsurance



TPMO Disclaimer: We do not offer every plan available in your area. Any information we provide is limited to those plans we do offer in your area.

Please contact Medicare.gov or 1-800-MEDICARE (TTY users should call 1-877-486-2048) 24 hours a day/7 days a week to get information on all of your options.

Not affiliated with or endorsed by the government or Federal Medicare Program.

10/14/2026

Did you know Original Medicare leaves out some of your most essential healthcare needs? While Parts A and B cover hospital and doctor visits, they completely exclude routine dental, vision and hearing. Know the facts before making your choices!

Don't let coverage gaps surprise you. Schedule your "No-Cost" Review: https://calendly.com/tfainsurance



TPMO Disclaimer: We do not offer every plan available in your area. Any information we provide is limited to those plans we do offer in your area. Please contact Medicare.gov or 1-800-MEDICARE (TTY users should call 1-877-486-2048) 24 hours a day/7 days a week to get information on all of your options. Not affiliated with or endorsed by the government or Federal Medicare Program.

10/13/2026

If you are in the Huntsville, AL area register today! Thomas Family Agency will be there will bells on... come join us!!

🥞☕ Brunch, BINGO & Benefits is almost here, and we still have spots available!

HAPPI Health is excited to announce HealthSpring as our official Brunch Sponsor for this year's Medicare Summit! 💙💛

Join us for a FREE morning of delicious brunch, BINGO, prizes, helpful Medicare information, and the opportunity to connect with local community partners!

📅 Friday, October 16, 2026
⏰ 9:30 AM – 12:30 PM
📍 HAPPI Health Administrative Office
2007-A North Memorial Parkway, Huntsville, AL 35810

A huge THANK YOU to HealthSpring for helping make this event possible!

🎉 LIMITED SPOTS REMAIN! Registration is required, so don't wait to reserve your seat!

🔗 Register here: https://mailchi.mp/happihealth/happi-health-medicare-summit-2026

10/13/2026

Are you weighing your healthcare options for Original Medicare? Understanding the pros and cons of Parts A & B can help you make an informed decision for your future.

PROS:
• Flexibility: See any doctor or specialist nationwide who accepts Medicare.
• Freedom: No network referrals required to see specialists.
• Predictability: Standardized federal guidelines across the board.

CONS:
• No Out-of-Pocket Max: You are exposed to unlimited potential costs without a cap.
• The 20% Gap: Medicare Part B leaves a 20% coinsurance gap for medical services.
• Missing Coverage: No prescription drug coverage (Part D) or routine dental and vision included.

Understand your healthcare options fully. Schedule your "No-Cost" Review: https://calendly.com/tfainsurance

TPMO Disclaimer: We do not offer every plan available in your area. Any information we provide is limited to those plans we do offer in your area.

Please contact Medicare.gov or 1-800-MEDICARE (TTY users should call 1-877-486-2048) 24 hours a day/7 days a week to get information on all of your options.

Not affiliated with or endorsed by the government or Federal Medicare Program.