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Bowen Insurance Group Health Happens - We've Got You Covered! We are dedicated to providing clients with the best health and life insurance solutions possible.

10/12/2026

Medicare has four main parts, and understanding what each one does is an important first step toward making informed decisions about your healthcare coverage.

But with all the terminology, it can get a little confusing! Let’s break it down.

Part A — Hospital Insurance

Part A helps cover inpatient hospital stays, skilled nursing facility care under qualifying conditions, hospice care, and certain home health services.

Part B — Medical Insurance

Part B helps cover doctor visits, outpatient care, preventive services, medical equipment, and other medically necessary services.

Part C — Medicare Advantage

Part C is another way to receive your Medicare benefits through a Medicare-approved private insurance company. These plans include Part A and Part B coverage and often include prescription drug coverage and additional benefits.

Part D — Prescription Drug Coverage

Part D helps cover prescription medications through private insurance plans approved by Medicare.

Why Does This Matter?

Understanding the four parts is just the beginning. Your coverage options, costs, provider networks, and prescription needs can all play a role in determining which coverage works best for you.

With the annual enrollment period beginning October 15 now is a great time to learn the basics and prepare to review your coverage for the upcoming year.

If you have questions about Medicare or would like help to understand your options, we’re happy to help!

Email [email protected], call 248-648-1802, or text at 248-209-9291.

10/09/2026

The first week of October has been busy at Bowen Insurance Group. We had the opportunity to host three Medicare educational seminars, helping members of our community understand and prepare for the upcoming Annual Enrollment Period.

Medicare can be confusing, especially when trying to comprehend the changes going into next year.

Our goal is to make it easier to understand, answer questions, and help people feel more confident when making decisions about their coverage.

A BIG thank you to those that could attend and take the time to learn with us.

REMEMBER: Medicare’s Annual Enrollment Period begins October 15th!

Have questions about Medicare or want help understanding your options?

Email us at [email protected], call us at 248-648-1802, or text at 248-209-9291

10/05/2026

Medicare AEP Starts in 10 Days!

The countdown is on!

Medicare’s Annual Enrollment Period (AEP) begins October 15th and runs through December 7th.

That means you have just 10 days to get ready before the Medicare review season officially begins.

Before October 15th, take a few minutes to:

• Find your Annual Notice of Change (ANOC)
• Review what’s changing with your current plan
• Make a list of your doctors and specialists
• Review your prescriptions
• Check your preferred pharmacies
• Gather your Medicare and health information
• Think about what’s important to you in your coverage

AEP runs until December 7th. Don’t wait until December to start thinking about it!

We’re happy to help. Email us at [email protected], call us at 248-648-1802, or text us at 248-209-9291

09/29/2026

Your Medicare AEP To-Do List

Medicare’s Annual Enrollment Period is coming up! Before October 15th rolls around, take a little time to get organized.

Here’s a simple Medicare to-do list to help you prepare:

• Read your ANOC. Your Annual Notice of Change explains what’s changing with your plan for the upcoming year. Don’t just set it aside!

• Check for changes. Look at premiums, deductibles, copays, benefits, coverage, and other costs. A plan that worked well this year may have changes for next year.

• Review your doctors and specialists. Make a list of the providers you see regularly and confirm they’re still in your plan’s network.

• Review your prescriptions. Make sure your medications are still covered and check for changes to costs, tiers, or coverage requirements.

• Get your information together. Have your important healthcare information handy when reviewing your coverage.

• Enroll on time. If you make a change during AEP, remember that the Annual Enrollment Period runs October 15 through December 7.

Don’t wait until December!

Taking a little time now can make your Medicare review much easier when AEP begins.

Not sure what to look for or how to compare your options? We’re happy to help you understand your coverage and answer your questions.

Email us at [email protected], call us at 248-648-1802, or text us at 248-209-9291

09/21/2026

Medicare AEP is Approaching! Are You Ready?

From October 15th through December 7th, Medicare beneficiaries have an opportunity to review their Medicare Advantage and prescription drug coverage and make changes for the following year.

It’s best to be proactive and not wait until the last minute to start thinking about it.

Before AEP gets underway, it’s a good idea to think about questions like:

• Has your health changed?
• Are your doctors and specialists still in your plans network?
• Are your prescriptions still covered?
• Have your copays, premiums, or other costs changed?
• Are the benefits you’re using still included in your plan?
• Are there changes coming to your plan next year?

Medicare plans can change their costs, coverage, and provider/pharmacy networks from year to year, which is why reviewing your coverage is so important.

AEP is October 15–December 7. If you’re happy with your current coverage and your plan is still meeting your needs, you may not need to make a change. But you should understand what you’re getting before deciding to stay or switch.

If you have questions about Medicare or want help understanding what to look for during AEP, we’re happy to help!

Email [email protected], call 248-648-1802, or text us at 248-209-9291.

09/14/2026

Got your Medicare ANOC letter? DON’T TOSS IT!

If you have a Medicare Advantage or a Medicare Part D plan, you should receive an important document in the mail called an “Annual Notice of Change”, or “ANOC”.

Take a look before you throw it away!

This letter explains changes your current plan is making for the upcoming year, including things like:

• Premiums and other costs
• Prescription drug coverage
• Benefits and coverage
• Provider and pharmacy networks
• Other changes to your plan

Your plan sends the ANOC each fall, and it outlines changes that will take effect in January. Medicare recommends reviewing these changes to make sure your plan will still meet your needs.

Don’t just look at whether your premium changed. Take some time to review the things that are important to you.

• Are your doctors still in network?
• Are your prescriptions still covered?
• Have your copays or other costs changed?
• Are the benefits you use still included?
• Have any restrictions or limitations changed?

Just because something changed doesn’t mean that you need to change your plan. If your current coverage still meets your needs, staying with your plan may be the right choice. The most important part is understanding what you’re signing up for in the new year.

AEP runs October 15th through December 7th, so the ANOC is a great place to start your annual Medicare review.

If you receive your ANOC and aren’t sure what you’re looking at, we’d love to help you understand it.

Email [email protected], call 248-648-1802, or text us at 248-209-9291.

09/08/2026

What Happens If You Miss Your Initial Enrollment Period (IEP)?

When you turn 65, you will be faced with many decisions. One of the easiest to overlook is when you need to enroll in Medicare.

Your Initial Enrollment Period generally lasts 7 months: 3 months BEFORE you turn 65, your birthday month, and 3 months AFTER.

But what happens if you miss it?

You may face:

• A delay in getting coverage.

If you don’t qualify for a Special Enrollment Period (SEP), you may have to wait for the General Enrollment Period (which runs January 1st - March 31st) every year. Coverage typically begins the month after you enroll.

• Late enrollment penalties.

Depending on which part of Medicare you’re enrolling in, you may have to pay a higher premium because you waited to enroll. For example, the Part B penalty can be 10% for each full 12-month period you could have had Part B, but didn’t.

• Part D penalties may also apply.

If you go 63 days or more without Medicare or other creditable prescription drug coverage after becoming eligible, you may have to pay a Part D late enrollment penalty.

Here’s the important part: Missing your IEP doesn’t automatically mean you’ll have a penalty.

If you or your spouse are still working and you have qualifying coverage through an employer, you may qualify for an SEP that allows you to enroll later without the usual Part B penalty.

The rules can get complicated quickly, and the right answer depends on your individual situation.

If you’re approaching 65 or you’re already 65 and aren’t sure whether you enrolled at the right time, we’d be happy to help you understand what your options are!

Email us at [email protected], call us at 248-648-1802, or text us at 248-209-9291

08/31/2026

When people think of Medicare, they often assume their coverage takes care of everything they need.

But there are some important gaps to understand.

Original Medicare doesn’t cover:

• Routine dental care, such as cleanings, fillings, and dentures

• Routine eye exams for glasses or contacts

• Hearing aids and exams for fitting them

Some Medicare Advantage plans offer these benefits as part of their coverage. Others may not provide the benefits you need. They may have specific networks, allowances, or limitations.

There are also stand-alone Dental, Vision, and Hearing plans that may be an option for people who want additional coverage.

The important thing is to understand what your current coverage actually includes and what you may be responsible for paying out of pocket.

If you have questions about Dental, Vision, and Hearing, reach out to us at [email protected], call 248-648-1802, or text at 248-209-9291

08/17/2026

What if an Accident Happens?

You probably have health insurance. But have you ever thought of what happens after an accident?

A broken bone, an ER trip, ambulance ride, or an unexpected injury can mean more than just medical bills. You could also have deductibles, copays, coinsurance, transportation costs, or other expenses to deal with.

That’s where Accident Insurance may help.

Accident Insurance is supplemental coverage that can provide benefits when you experience a covered accident. Depending on the policy, benefits may be paid for things like emergency treatment, hospital care, fractures, or other covered services.

Remember that it is designed to supplement existing coverage. It does not replace your major medical health insurance.

Accidents aren’t something we plan for, but understanding your options before one happens can make a difference.

If you’d like to learn more about Accident Insurance, reach out at [email protected] or call/text 248-648-1802

08/11/2026

Can I Change My Medicare Plan Anytime?

Short answer: Usually, no.

Medicare has specific enrollment periods that determine when you can make changes to your coverage.

However, depending on your circumstances, you may have opportunities to change your plan outside of the Annual Enrollment Period.

One way you may be able to make a change is if you qualify for a Special Enrollment Period (SEP) because of certain life events, such as:

• Moving to a new area
• Losing other health coverage
• Moving into or out of certain types of institutions
• Qualifying for certain assistance programs
• Other circumstances that create a Special Enrollment Period

And of course, Medicare’s Annual Enrollment Period (AEP) runs from October 15th through December 7th each year, giving beneficiaries an opportunity to review and change their coverage for the following year.

Don’t assume you’re stuck with your current plan or that you can change it whenever you want.

Your individual circumstances determine what enrollment opportunities may be available to you.

If you have questions about when you can make a change, we are happy to help! Call or text at 248-648-1802 or email at [email protected]

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Auburn Hills, MI
48326

Telephone

+12486481802

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