Abt Insurance Agency

10/16/2026

2 BIG changes are coming to Medicare Part D in 2027, and they could affect what you pay for prescription drugs, forever. 💊

If you have a Medicare prescription drug plan, this is something you’ll want to pay attention to.

Medicare Part D is changing again for 2027, and some of these changes may come as a surprise to people who have been on the same plan for years.

The important thing to understand is that your current Part D plan may not be your best option next year, even if it’s worked well for you in the past.

And with Medicare’s Annual Enrollment Period already underway, now is the time to start reviewing your options.

📌 Watch the video for two changes you need to know.

Then visit Medicare.gov to compare your 2027 prescription drug coverage based on your medications and preferred pharmacy.

You have until December 7 to make changes for January 1.

👇 Comment GUIDE and I’ll send you my FREE Medicare Annual Enrollment Guide.

Follow me for Medicare updates and practical advice to help you make informed coverage decisions.

10/16/2026

3 Medicare Part D changes for 2027 that could affect your prescription drug costs. 💊

If you have a standalone Medicare Part D plan, there are some important changes to know before choosing your coverage for next year.

1️⃣ FEWER PART D PLANS AVAILABLE

Some insurance companies are discontinuing prescription drug plans or reducing their offerings for 2027. Your current plan may not be available next year.

2️⃣ NO MORE $0 PREMIUM PLANS

The $0 monthly premium options are disappearing from the standalone Part D market for 2027.

And remember, a low monthly premium doesn’t necessarily mean the lowest total prescription costs.

3️⃣ THE PART D OUT-OF-POCKET CAP IS INCREASING

In 2026, the annual out-of-pocket cap is $2,100.

For 2027, it increases to $2,400.

That’s $300 more in potential out-of-pocket spending on covered Part D medications.

Here’s my advice: Don’t automatically renew your current prescription drug plan.

Go to Medicare.gov, enter your medications and preferred pharmacy, and compare your estimated annual costs for 2027.

You have until December 7 to make changes during Medicare’s Annual Enrollment Period.

📌 Save this post as a reminder to review your coverage.

👇 Comment GUIDE and I’ll send you my FREE Medicare Annual Enrollment Guide.

10/16/2026

Medicare Part D enrollment for 2027 officially opens TODAY, October 15. 💊

If you have a Medicare prescription drug plan, there are a few important things to know before choosing your coverage for next year.

1️⃣ You can enroll or make changes starting today.

Medicare’s Annual Enrollment Period runs from October 15 through December 7, 2026. Changes made during this period generally take effect January 1, 2027.

2️⃣ Wellcare Value Script continues to be a low-premium option.

Wellcare Value Script remains among the lowest-premium Part D options in many areas for 2027.

But remember, the plan with the lowest monthly premium isn’t necessarily the plan that will cost you the least overall.

3️⃣ Some Part D plans are leaving the market.

Several standalone prescription drug plans are being discontinued for 2027, which means your current plan may not be available next year.

Even if your plan is staying, your premiums, deductible, formulary and pharmacy costs could change.

4️⃣ If you are happy with your plan and don’t want to change then your plan will automatically renew for 2027 if you take no action. If you DO change your Part D plan then your old plan will automatically cancel out effective 1/1/27 after you enroll in a new Part D drug plan.

You’ll be able to compare estimated annual costs across the plans available on Medicare.gov.

My advice? Don’t automatically renew your Part D plan without comparing your options first.

📌 Save this post as a reminder to review your prescription drug coverage before December 7.

👇 Comment GUIDE and I’ll send you my FREE Medicare Annual Enrollment Guide.

10/15/2026

🚨 Medicare just changed THREE rules about how insurance companies and agents can market to YOU in 2027 👀

And some of these changes might surprise you!

Here’s what’s changing:

1️⃣ THE 48-HOUR WAITING RULE IS GONE

Previously, Medicare agents generally had to wait 48 hours after documenting a Scope of Appointment before meeting with you to discuss Medicare Advantage or Part D plans.

Now? That mandatory waiting period is eliminated!

2️⃣ EDUCATIONAL SEMINARS CAN TURN INTO SALES PRESENTATIONS

Previously, Medicare educational events couldn’t immediately transition into sales events at the same location.

For 2027, they CAN—as long as attendees are notified and have the opportunity to leave.

3️⃣ INSURANCE COMPANIES HAVE MORE FLEXIBILITY WITH WORDS LIKE “BEST” AND “MOST”

Companies no longer have to submit supporting documentation upfront for certain advertising superlatives.

BUT that doesn’t mean they can make misleading claims! CMS can still request evidence to back them up.

⚠️ HERE’S THE BIG TAKEAWAY:

Medicare is giving insurance companies and agents MORE flexibility in how they market plans to you.

That makes it even more important to understand what you’re being offered before making a decision!

📌 These changes primarily involve Medicare Advantage and Part D marketing, not every type of Medicare insurance.

👇 Comment GUIDE and I’ll send you my FREE Medicare Checklist!

👉 FOLLOW ME for Medicare rules, changes and information that could save you money!

10/15/2026

10/14/2026

🚨 MEDICARE EXPLAINED IN 60 SECONDS! ⏰

Here’s how Traditional Medicare (also called Original Medicare) works:

🏥 PART A = Hospital Insurance
Helps cover inpatient hospital stays, skilled nursing facility care under certain conditions, hospice and some home health care.

🩺 PART B = Medical Insurance
Helps cover doctor visits, outpatient care, preventive services and other medically necessary services.

💊 PART D = Prescription Drug Coverage
Helps pay for prescription medications. With Original Medicare, you can purchase a separate Part D plan through a private insurance company.

🛡️ MEDIGAP = Medicare Supplement Insurance
Helps pay some of the out-of-pocket costs Original Medicare leaves behind, like deductibles and coinsurance. It’s sold by private insurance companies.

Here’s the important part:

Part A + Part B = Original Medicare.

You can add a Part D plan for prescription coverage and a Medigap policy to help with medical out-of-pocket expenses.

⚠️ This video is about TRADITIONAL MEDICARE—not Part C (Medicare Advantage)!

Medicare Advantage is a DIFFERENT way to receive your Medicare benefits, and I’ll be breaking THAT down in my NEXT video!

📌 SAVE this video if you’re approaching 65 or helping a loved one understand Medicare.

👇 Comment GUIDE and I’ll send you my FREE Medicare Checklist to help you understand your options!

10/13/2026

🚨 The TOP 5 Medicare Supplement companies I’d recommend looking at for 2027! 👀

After 12 years in the Medicare insurance business, there are certain companies I consistently think are worth considering when shopping for Medigap coverage.

But here’s something REALLY important:

These 5 companies are listed in NO PARTICULAR ORDER. And just because I recommend considering a company doesn’t mean it’s the best choice for YOU.

Why? Because Medicare Supplement pricing can vary dramatically based on:

📍 Where you live — A company that’s competitive in one state or ZIP code may be expensive in another.

🎂 Your age — Rates and available discounts can vary depending on when you enroll.

💰 Premiums and rate increase history — The cheapest company today isn’t necessarily the best long-term value.

🏥 Your health and eligibility — Medical underwriting may apply depending on when you’re enrolling and your state’s rules.

And remember: Medigap benefits are standardized! A Plan G from one insurance company provides the same standardized medical benefits as Plan G from another.

So the goal isn’t to find the most recognizable company.

It’s to find the company offering the best combination of pricing, rate history and value for YOUR situation.

👆 These are just 5 of the companies worth considering in 2027—and remember, this is a starting point, NOT a universal ranking!

👇 Comment GUIDE and I’ll send you my FREE Medicare Checklist to help you compare your options.

10/13/2026

🚨 Turning 65 in 2027? There are 4 things you should be doing at AGE 64 so Medicare doesn’t cost you more than it needs to! 👀

Most people wait until they’re almost 65 to start thinking about Medicare. But some of the most important decisions should happen BEFORE your 65th birthday.

Here are 4 things I’d recommend:

1️⃣ Decide whether you actually NEED Medicare at 65.
If you’re still working or covered through a spouse’s current employer, you may be able to delay Medicare without penalties. But there are important rules!

2️⃣ Look at your income from TWO years ago.
Medicare uses your prior income to determine whether you’ll pay extra premiums through IRMAA. If your income has dropped due to retirement or another qualifying event, Form SSA-44 may help!

3️⃣ Understand Medicare Advantage vs. Medigap.
These are two VERY different ways to receive your Medicare coverage. And switching from Advantage to Medigap later may not be as easy as you think.

4️⃣ Consider applying for Medigap BEFORE you turn 65!
Some insurance companies allow you to apply up to SIX MONTHS before your Medicare coverage begins. Depending on the company and state, applying early may help you secure favorable pricing or available discounts. Your coverage won’t begin until you’re eligible.

The BIG takeaway? Don’t wait until your 65th birthday to start making Medicare decisions.

A little planning at 64 could save you money AND help you avoid mistakes that are difficult to undo later.

👇 Comment GUIDE and I’ll send you my FREE Medicare Checklist to help you prepare step-by-step.

📌 SAVE this if you’re turning 65 in 2027!

10/12/2026

🚨 Turning 65? Enrolling in Medicare right away could actually be a MISTAKE! 👀

One of the biggest Medicare myths is that EVERYONE needs to sign up the moment they turn 65.

That’s simply not true.

If you’re still working—or covered through a spouse’s current employer—you may be able to delay Medicare Part B WITHOUT a late enrollment penalty.

And in some situations, delaying Medicare could actually SAVE you money!

But here’s the catch. ⚠️

👉 The SIZE of your employer matters
👉 The TYPE of health insurance you have matters
👉 Whether you contribute to an HSA matters
👉 Your prescription drug coverage matters

And PLEASE don’t assume COBRA or retiree insurance gives you the same protections as coverage through current employment!

The goal isn’t to enroll in Medicare as early as possible. It’s to enroll at the RIGHT time for YOUR situation.

Making the wrong decision could mean paying unnecessary premiums—or facing penalties and coverage gaps later.

👇 Comment GUIDE and I’ll send you my FREE Medicare Checklist to help you understand when and how to enroll.

📌 SAVE this if you’re turning 65 in 2027!