Belt Insurance - Aging Joyfully

08/31/2026

🍂 Hello, September! 🍂

Summer temperatures may still be hanging on, but my favorite time of year has officially arrived! Our calendars will be filled with watching our grandkids play football, volleyball, softball—and even a little baseball—while also cheering on the Huskers in both football and volleyball. ❤️🏈🏐

Bring on the crisp mornings, busy ballfields, Husker game days and all things autumn. It’s time to pull out those fall decorations and welcome the season I love most! 🍁🎃🌻

08/28/2026

📖 Potential changes ahead: A little Medicare history lesson may help explain why 2027 could bring meaningful changes to stand-alone Part D plans—and create a ripple effect across the Medicare Advantage marketplace.

The Inflation Reduction Act of 2022 delivered several important protections for people with Medicare:
• A $35 monthly cap on covered insulin
• $0 recommended adult vaccines
• Expanded Extra Help
• No Part D cost sharing in the catastrophic phase
• An annual limit on out-of-pocket prescription costs beginning in 2025
• Medicare’s new authority to negotiate prices for selected high-cost drugs

But the law did more than lower what beneficiaries pay at the pharmacy counter. It also redesigned who pays the remaining cost.

Beginning in 2025, Part D plans became responsible for a much larger share of high prescription-drug spending.

When insurers submitted their first bids under this new structure, CMS saw the potential for major premium increases—especially among stand-alone Part D plans.
CMS responded by creating a temporary Part D Premium Stabilization Demonstration. It lowered participating PDP premiums by up to $15 per month in 2025 and $10 in 2026, while also limiting how much an individual plan’s premium could increase from one year to the next.

🛑 That temporary support will end on December 31, 2026.

✔️This does NOT mean Part D is ending.
✔️It does NOT eliminate Extra Help, negotiated drug prices or the annual out-of-pocket protection.
✔️And it does NOT remove the Inflation Reduction Act’s separate protection limiting growth in the national base beneficiary premium to 6% per year through 2029.

What it does mean is that stand-alone Part D premiums could show more volatility—and more plan-to-plan variation—in 2027. The final impact will not be known until CMS releases the 2027 plan landscape and plan-specific premiums in September. Some premiums may rise; others may remain stable or even decline.

My advice as we approach Annual Enrollment: Do not panic—but do not assume your 2026 coverage will remain your best fit in 2027.

📬 If you are enrolled in a stand alone Part D plan, read your Annual Notice of Change. Review every prescription. Compare the entire plan—not just its monthly premium.

Medicare is complicated. Education helps turn headlines into better decisions.



BeltInsuranceGroup.com

08/27/2026

👀 Have you checked it out yet?

The NEW BeltInsuranceGroup.com is officially live — and I’d love for you to take it for a little test drive! 💻☕️

Click around. Explore. Learn something new about Medicare. Check out the Aging Joyfully philosophy behind my business. And maybe even discover a resource you can share with someone approaching 65. Let me know what you think. 👍🏼

🌐 BeltInsuranceGroup.com

Go ahead…click around! I promise there’s no quiz at the end. 😉

📣 Shout out to Webpage IQ 🙌🏼

08/25/2026

🎉 𝐈𝐓’𝐒 𝐋𝐈𝐕𝐄! Welcome to the NEW 𝐁𝐞𝐥𝐭 𝐈𝐧𝐬𝐮𝐫𝐚𝐧𝐜𝐞 Group website! 🎉

I’m pretty darn excited to finally share the newly revamped beltinsurancegroup.com!

This new site feels so much more like ME — not simply a place to learn about insurance, but a reflection of how I approach this chapter of my life and the people I’m fortunate enough to serve.

🍎 Once an educator, always an educator.
I may have retired from the classroom, but teaching is still at the heart of what I do. My goal has never been to simply sell Medicare plans. I want to help people understand their options, ask better questions, feel confident in their decisions, and worry a whole lot less about Medicare.

And the new website more fully captures something else that means a lot to me — my philosophy of AGING JOYFULLY. 💜

Growing older should be about living MORE — not worrying more. Less worry about the “what ifs.” More JOY in the “what’s next.”

But there’s another part of this launch that makes this retired teacher especially proud. ❤️

One of my former Norfolk High students, Dylan Frohberg, is the young entrepreneur behind this project. And apparently starting ONE business wasn’t enough for him! 😂 Dylan has already launched Frohberg Computers AND WebPageIQ.com.

How cool is it to watch a former student take his talents, ideas and work ethic and build businesses of his own — and then years later have the opportunity to hire HIM to help me grow mine?!

Dylan and WebPageIQ aren’t just giving my website a fresh new look. He’s helping me supercharge it so it can become an even better educational resource for people navigating Medicare AND a much more useful tool for growing and managing my business.

There’s something pretty special about the teacher/student relationship coming full circle like this. I spent a lot of years encouraging young people to find their strengths, take chances and believe in what they could do. Now I get to sit back and brag a little when I see one of them doing exactly that. 🥹

So take a peek around the new site! 👇
beltinsurancegroup.com

And while you’re at it, check out WebPageIQ.com and keep an eye on Dylan Frohberg. This former teacher thinks he’s just getting started. ❤️

Belt Insurance Group | Aging Joyfully
🍎 Education First. Relationships Always.

Please check out my website. Explore. And SHARE!

✅ www.BeltInsuranceGroup.com

08/21/2026

Thinking about creating your personal my Social Security account? Getting started is easier than you may think.

Our FAQ explains what you'll need before creating your account and answers common questions to help you get started: https://ow.ly/P8GN50ZyWts

08/21/2026

If you’re looking for a new doctor who takes Medicare, visit https://go.medicare.gov/4wT1Wxi to compare health providers in your area. Search by distance, practice type, specialty, and more.

08/21/2026

08/20/2026

Stay safe on social media! will never reach out to you to ask for your Medicare Number on any social media site. If someone messages you directly and says they’re a “Medicare agent”, don’t respond and report it at https://go.medicare.gov/4w84nvD.

08/20/2026

𝐀𝐮𝐠𝐮𝐬𝐭 𝟐𝟏𝐬𝐭 𝐢𝐬 𝐍𝐚𝐭𝐢𝐨𝐧𝐚𝐥 𝐒𝐞𝐧𝐢𝐨𝐫 𝐂𝐢𝐭𝐢𝐳𝐞𝐧𝐬 𝐃𝐚𝐲 and it is most certainly worth celebrating—but it’s also worth paying attention to.

📈 America is getting older, and the numbers tell an important story.

📊 According to the Administration for Community Living, 57.8 million Americans were age 65 or older in 2022, representing 17.3% of our population. By 2040, that share is projected to reach 22%—more than 1 in every 5 Americans.

‼️ And this generation isn’t simply “retiring.”
In 2023, 𝟏𝟏.𝟐 𝐦𝐢𝐥𝐥𝐢𝐨𝐧 Americans age 65+ were still in the labor force, working or actively seeking work.

Those numbers have implications far beyond Medicare and Social Security. They affect our workforce, healthcare system, housing, caregiving, financial planning, businesses and communities.

But I also think they invite us to reconsider the way we talk about aging.

After spending much of my career in education and now working with people as they navigate Medicare and this next chapter of life, I’ve become even more convinced that aging should not automatically be associated with decline.

It can also mean experience. Freedom. Reinvention. Contribution. Travel. Volunteering. Grandchildren. New friendships. New careers. And finally having a little more time to decide what matters most.

That philosophy is at the heart of Aging Joyfully for me. ✨

Yes, there are very real challenges that come with an aging population, and we need thoughtful conversations about how we prepare for them. But we should also recognize the tremendous knowledge, experience and value older adults continue to bring to our workplaces, families and communities.

On 𝐍𝐚𝐭𝐢𝐨𝐧𝐚𝐥 𝐒𝐞𝐧𝐢𝐨𝐫 𝐂𝐢𝐭𝐢𝐳𝐞𝐧𝐬 𝐃𝐚𝐲, I’m celebrating not just longer lives—but the opportunity to help make those additional years healthier, more connected, more purposeful and, whenever possible, a whole lot more joyful. 🙌🏼



BeltInsuranceGroup.com

08/17/2026

If you have Original Medicare, you get a Medicare Summary Notice (MSN) every 6 months by mail when you get any services. But why wait? Choose electronic MSNs to get an email every month telling you when your copy is available in your account. https://www.medicare.gov/go-digital