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Most people are underinsured and don't know it 👀
Independent agent licensed in 7 states — Life, Medicare, dental, vision, and long-term care coverage made simple
📖 Get my free guide 👉 https://go.stephinsure.com/AEP

10/19/2026

Big news for your medicine cabinet 💊
Medicare is negotiating prices on 15 MORE prescription drugs starting January 1, 2027 — which means some of the meds costing you a fortune today could cost a lot less next year.

Here's the catch: negotiated prices only help if YOUR plan covers YOUR drugs at the best tier. Send me your current prescription list and I'll check it against the 2027 options.

There are also ancillary policies — dental, vision, hearing, hospital indemnity — that can fill in the gaps Medicare leaves behind, and I can help you sort out which ones are actually worth it for you.

👉 Get my free Medicare help: https://stephinsure.com/stephinsure-medicare-permission-to-contact/

My husband was having a little fun with AI this morning. This is our dog Zeus who is the official mascot of stephinsure....
10/18/2026

My husband was having a little fun with AI this morning. This is our dog Zeus who is the official mascot of stephinsure.com now. My favorite part is his coffee latte and the Austin skyline ♥️😀🐾

10/17/2026

Having Original Medicare (Parts A & B) alongside a former employer's retiree plan feels like the ultimate safety net. While retiree plans do act as a secondary payer to cover Medicare deductibles and copays, relying on them blindly can leave major blind spots in your retirement plan:

⚠️ 1. Employer plans can change or end at any time - Unlike standardized Medigap policies—which are guaranteed renewable for life—employers are not legally required to offer retiree benefits forever. They can raise premiums, restrict provider networks, or eliminate coverage entirely without your consent.

⚠️ 2. The Prescription Drug Trap
Thinking about adding a standalone Medicare Part D plan for better drug savings? Be careful—enrolling in a separate Part D plan can automatically trigger the total cancellation of your retiree health benefits for both you and your spouse.

⚠️ 3. Routine Care Is Still Missing
Original Medicare doesn't cover routine dental cleanings, eye exams, glasses, or hearing aids. Unless your retiree plan specifically includes comprehensive ancillary coverage, those out-of-pocket bills fall entirely on you.

💡 The Takeaway:
Don't wait for an unexpected benefit change or claim denial to review your coverage. Comparing your retiree plan against standalone Medigap and ancillary Dental/Vision/Hearing plans ensures your healthcare is protected on your terms, not your former employer's.

📍There are many ancillary policies — dental, vision, hearing, hospital indemnity — that can fill in the gaps Medicare leaves behind, and I can help you sort out which ones are actually worth it for you.

📲 Unsure how your retiree coverage coordinates with Medicare? Send me a message or click here👉

https://go.stephinsure.com/start
for a free coverage review!

10/16/2026

Here's something you might not expect to hear from me during AEP:
I might tell you to keep the Medicare plan you already have. 🙌

Because the goal of an annual review isn't to find a reason to change your coverage.

It's to make sure the coverage you have still makes sense for you.

We'll look at what's changing for 2027.
We'll check your doctors and prescriptions.
We'll look at your costs and the benefits you actually use.
And we'll talk about whether anything in your life or healthcare needs has changed.

Then we compare.

Sometimes, we'll find another option that makes more sense.

And sometimes?

We'll look at everything and realize your current coverage is still doing exactly what you need it to do.
That's a successful review too.

You don't get bonus points for changing Medicare plans every year. 😂

You just want to know that you're making an informed decision instead of keeping something simply because you've always had it.

If you're wondering whether your current coverage still makes sense for 2027, send me a message.

There are also ancillary policies — dental, vision, hearing, hospital indemnity — that can fill in the gaps Medicare leaves behind, and I can help you sort out which ones are actually worth it for you.

Let's actually look before we decide.

📩 Get my free Medicare help here: https://go.stephinsure.com/start

10/15/2026

I call myself a Medicare advocate — and here's what that actually means.

I'm not here to sell you a plan. I'm here to make sure you understand the one you have — or help you find one that actually fits your doctors, your prescriptions, and your budget.

Because here's the truth no commercial will tell you: the "best" Medicare plan is the one that fits YOUR life. Not your neighbor's.

AEP is open now through December 7. If you want a second set of eyes on your 2027 coverage before the noise gets loud, I'm here.

👉 Get my free Medicare help: https://go.stephinsure.com/start

10/15/2026

AEP is officially OPEN! 🎉

And before we spend the next several weeks talking about plans, prescriptions, doctors, benefits, and all the other Medicare things, here's what I want my clients to know first:

You don't have to figure this out by yourself.

You're going to see commercials.
You're going to get mail.
Your neighbor is probably going to tell you how much they LOVE their plan.

And someone on Facebook will inevitably announce that they've found the “best” Medicare plan. 😂

But none of those people know your doctors.
They don't know which prescriptions you take.
They don't know what you can comfortably afford if you need a lot of healthcare next year.
And they don't know which benefits actually matter to you.

That's why we're going to look at your situation before deciding whether anything needs to change for 2027.

Maybe we find an option that works better for you.
Maybe we look at everything and decide your current coverage still makes sense.

Either way, the goal isn't to change your plan just because it's AEP.

It's to make sure you understand what you have and feel good about your decision for next year.

So if Medicare starts feeling especially LOUD over the next few weeks, remember:

You don't have to sort through all of it alone.

Send me a message if you're ready to start your 2027 review.

📩 Get my free Medicare help here: https://go.stephinsure.com/start

10/14/2026

There are a few things that happen every AEP that make people think something has gone terribly wrong.

Usually, they just need a little context.

Your mailbox suddenly looks like Medicare moved in.

The amount of Medicare marketing you receive this time of year can be overwhelming. Getting an advertisement for a plan doesn't mean there's anything wrong with the coverage you already have.

Your friend tells you their plan is “better.”

Maybe it is...for them. Medicare coverage isn't one-size-fits-all. Their prescriptions, doctors, healthcare needs and priorities may look completely different from yours.

You notice something changing for next year.

Plans can change from year to year. That's exactly why reviewing your Annual Notice of Change and looking at how those changes affect you matters.

You decide your current coverage still works for you.

AEP doesn't automatically mean you need to switch plans. Sometimes reviewing your options ends with, “Yep. I'm good right where I am.”

AEP gives you an opportunity to look at what may be changing with your coverage and what's changed in your own life.

You don't need to panic every time something looks different.

You just need to know which differences deserve a closer look.

Have something making you nervous this AEP? Bring it with you. We can look at it together.

📩 Get my free Medicare help here: https://go.stephinsure.com/start

10/12/2026

When was the last time you actually updated your medication list?

Not just added the new prescription.

Actually cleaned it up. 👀

Take five minutes this fall and make sure it includes:

💊 What you currently take
💊 The correct dosage
💊 How often you take it
💊 Anything you've stopped taking

Then save the updated version somewhere easy to find.

It's useful for your Medicare review, sure.

But it's also a pretty handy thing to have when a doctor's office asks, "Can you tell me what medications you're currently taking?" and your brain suddenly forgets everything you've ever known. 🤣

📩 Get my free Medicare help here: https://go.stephinsure.com/start

10/11/2026

One of the scariest pieces of Medicare advice?

“Just get the plan I have. I love mine.” 👻

Your friend may mean well. And their plan really might be great…for them.

But you may have different prescriptions, doctors, healthcare needs, travel habits and priorities.

Their recommendation can be a starting point for a conversation.

It shouldn't be the end of your research.

When it comes to Medicare, I'm much more interested in what works for you than what works for your neighbor.

📩 Get my free Medicare help here: https://go.stephinsure.com/start

10/10/2026

Having a chronic health condition may be part of qualifying for certain Medicare Advantage supplemental benefits.

But having the diagnosis alone may not be enough.

Some benefits for things like healthy foods, utilities and other everyday expenses may be offered as Special Supplemental Benefits for the Chronically Ill, often called SSBCI.

To qualify for these benefits, Medicare requires more than simply having a qualifying chronic condition.

A person must also be at high risk for hospitalization or other adverse health outcomes and require intensive care coordination.

And the specific eligibility criteria can depend on the plan and the benefit being offered.

So two people who both have diabetes, heart disease or another chronic condition shouldn’t assume they’ll automatically qualify for the same benefits.

That’s why I don’t want you making decisions about your 2027 benefits based on what you had last year, what a friend receives, or even a diagnosis by itself.

Check your specific plan. Check the eligibility requirements. Ask questions.

I created a 2027 Medicare Allowance Benefit Checklist to help you know exactly what to look for.

Comment CHECK and I’ll send you a copy!

📩 Get my free Medicare help here: https://go.stephinsure.com/start

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