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Here at Pavone Life Group our Mission is to serve families with Integrity, Clarity and Care - delivering life and health solutions that create confidence today and security for the future.

10/10/2026

𝗔 𝗣𝗮𝗿𝘁 𝗗 𝗖𝗵𝗮𝗻𝗴𝗲 𝘁𝗼 𝗪𝗮𝘁𝗰𝗵

There's a change happening behind the scenes with Medicare Part D for 2027 that I think is worth paying attention to.

For the past couple of years, Medicare has had a temporary program designed to help stabilize premiums for participating standalone Part D prescription drug plans while some pretty big changes were happening to Part D.

For 2027, that program is ending.

So does that automatically mean your drug plan premium is going through the roof?

No.

But it DOES mean I don't want you assuming that what you paid for your standalone drug plan this year tells us what you'll pay next year.

Your specific plan, premium, prescriptions, and pharmacy all deserve another look when we're comparing your 2027 options.

And this is exactly why I pay attention to Medicare changes that most people probably don't want to spend their Tuesday night reading about. 😂

You don't need to follow every CMS announcement.

That's my job.

If you have a standalone Part D plan and want help figuring out what YOUR coverage looks like for 2027, send me a message.

10/09/2026

𝟱 𝗧𝗵𝗶𝗻𝗴𝘀 𝘁𝗼 𝗚𝗮𝘁𝗵𝗲𝗿 𝗕𝗲𝗳𝗼𝗿𝗲 𝗬𝗼𝘂𝗿 𝗥𝗲𝘃𝗶𝗲𝘄

Before we compare a single Medicare plan for 2027, I want five things on the table.

Literally, if we're meeting in person. 😂

1. Your prescription list

Names, dosages, and how often you take them.

2. Your doctors and specialists

Especially the ones you absolutely do NOT want to give up.

3. Your preferred pharmacy

Because where you fill your prescriptions can affect what you pay.

4. Your current plan information

We need to know what you have now before we can decide whether something else actually works better for you.

5. Your ANOC

This shows us what's changing with your current coverage for 2027.

Why do I want all of that before we start looking at plans?

Because we're not trying to find the plan with the longest list of benefits or the prettiest brochure.

We're trying to figure out what makes sense for your actual life and healthcare needs.

And the more we know before we start comparing, the better questions we can ask.

I made this part easy for you. 🙌

My 2027 Medicare Plan Review Checklist has a list of what to gather before your review, plus the things we'll want to check while comparing your options.

Comment CHECKLIST and I'll send you a copy.

10/08/2026

𝗧𝗵𝗲 $𝟳𝟬𝟬 𝗣𝗮𝗿𝘁 𝗗 𝗗𝗲𝗱𝘂𝗰𝘁𝗶𝗯𝗹𝗲

There's another Medicare number changing for 2027 that hasn't gotten nearly as much attention:

$700.

That's the standard Part D deductible for 2027, up from $615 in 2026.

But before you see that number and think, “Great. So I'm paying $700 before my prescriptions are covered?” 😳

Not necessarily.

Not every Part D plan applies the full standard deductible, and some plans may have a lower deductible or apply it differently depending on the drug tier.

Which is exactly why knowing the national number isn't enough.

What matters to YOU is how the drug coverage you're considering handles the deductible and how that affects the prescriptions you actually take.

Because I'd much rather figure that out while we're comparing your options than have you discover it at the pharmacy counter in January. 😬

If you're worried about what your prescriptions could cost in 2027, send me a message. We can look at your medications and coverage together.

10/07/2026

𝗦𝗮𝗺𝗲 𝗣𝗿𝗲𝘀𝗰𝗿𝗶𝗽𝘁𝗶𝗼𝗻, 𝗗𝗶𝗳𝗳𝗲𝗿𝗲𝗻𝘁 𝗣𝗵𝗮𝗿𝗺𝗮𝗰𝘆

You can take the exact same prescription, with the exact same Medicare drug coverage, to two different pharmacies...

and potentially pay two different amounts. 👀

Yep.

Where you fill your prescriptions can matter just as much as whether they're covered.

Some plans have pharmacies where your prescriptions may cost less than they would at another in-network pharmacy.

Which means when you're looking at your drug coverage for 2027, don't just ask:

“Is my medication covered?”

Also ask:

“What could I pay for it at the pharmacy I actually use?”

And if the answer makes you raise an eyebrow, it may be worth checking whether another pharmacy could make more sense.

This year especially, it's important to have an accurate prescription list AND know which pharmacy you prefer so you have the information you need when reviewing your drug coverage.

That's why both are included in my 2027 Medicare Plan Review Checklist.

Comment CHECKLIST and I'll send you a copy.

10/06/2026

𝗗𝗼𝗻’𝘁 𝗦𝘁𝗼𝗽 𝗮𝘁 𝘁𝗵𝗲 𝗛𝗼𝘀𝗽𝗶𝘁𝗮𝗹

You checked your hospital and it's in-network. Great! 🙌

But I don't want you to stop there.

Because the hospital building isn't the only thing that matters.

Think about the people you actually see for your care.

Your cardiologist. Your orthopedic doctor. Your oncologist. The specialist you've been seeing for years and absolutely do NOT want to start over with.

Those are the names we need to check too.

Because a plan can include the hospital or health system you prefer without necessarily including every doctor or specialist you see.

And finding that out AFTER you've already changed your coverage is not exactly the kind of surprise we're looking for. 😬

That's why, when we're looking at your options for 2027, I don't just want to know, “Is my hospital in-network?”

I want to know:

Does this coverage work with the doctors and specialists I actually rely on?

If keeping a particular doctor is important to you, send me a message with their name. Let's make sure we're checking the people who actually provide your care, not just the name on the hospital building.

10/06/2026

𝗧𝗵𝗲 𝗣𝗵𝗮𝗿𝗺𝗮𝗰𝘆 𝗣𝗹𝗼𝘁 𝗧𝘄𝗶𝘀𝘁

Here’s a Medicare plot twist people don’t always expect:

The pharmacy you use can matter.

With Medicare drug coverage, one pharmacy may be preferred by your plan while another may not be, which can affect what you pay for your prescriptions.

So when you're reviewing your coverage, don't just check your medications.

Check your pharmacy, too. 👀

Especially if you're loyal to CVS or Walgreens and have no intention of going anywhere else.

It's one of those little details that can make a bigger difference than you’d think.

Questions about what’s changing for next year? I’m happy to help.

10/05/2026

𝗧𝗵𝗲 $𝟮,𝟰𝟬𝟬 𝗣𝗮𝗿𝘁 𝗗 𝗡𝘂𝗺𝗯𝗲𝗿

Here's a Medicare number that's changing for 2027:

$2,400.

That's the new annual out-of-pocket threshold for covered Part D prescription drugs, up from $2,100 in 2026.

So...what does that actually mean for you?

If you take expensive medications and your out-of-pocket spending on covered Part D drugs reaches that threshold, you move into catastrophic coverage and don't pay additional cost sharing for covered Part D drugs for the rest of the year.

But here's the part I really want you to know:

This doesn't mean everyone with Medicare is going to spend $2,400 on prescriptions next year.

Your actual costs depend on your medications, your plan, where you fill your prescriptions, and other factors.

And THAT'S why your prescription list is such an important part of reviewing your coverage.

Don't just look at the plan premium. Let's look at what YOUR medications could actually cost you.

If prescription costs are one of your biggest concerns going into 2027, send me a message! We can take a closer look at your specific situation.

10/05/2026

𝗦𝗮𝗺𝗲 𝗣𝗹𝗮𝗻. 𝗗𝗶𝗳𝗳𝗲𝗿𝗲𝗻𝘁 𝗬𝗲𝗮𝗿.

And those two things don't always mean same coverage.

Medicare Advantage and Part D plans can make changes from one year to the next, including costs, benefits, drug coverage, pharmacy networks and provider networks.

That's why "I like the plan I have" isn't where I stop during a review.

The better question is: Will I still like it next year?

A few minutes spent looking at what's changing can save you from surprises later.

If you'd like help reviewing what 2027 looks like for you, I'm here.

10/04/2026

𝗠𝘆 𝗨𝗻𝗽𝗼𝗽𝘂𝗹𝗮𝗿 𝗙𝗮𝗹𝗹 𝗢𝗽𝗶𝗻𝗶𝗼𝗻

Time for my potentially friendship-ending fall opinion:

Having to wear a coat already. 🤣

I said what I said.

And yes, I know some of you are going to have VERY strong feelings about this.

So now it's your turn.

What's your unpopular fall opinion? 🍂

10/03/2026

“C𝗼𝘃𝗲𝗿𝗲𝗱” 𝗗𝗼𝗲𝘀𝗻’𝘁 𝗧𝗲𝗹𝗹 𝘁𝗵𝗲 𝗪𝗵𝗼𝗹𝗲 𝗦𝘁𝗼𝗿𝘆

“My prescription is covered, so I'm good...right?”

Maybe. But I have a few more questions. 🙋🏼♀️

Seeing your medication on a plan's drug list is a great start, but it doesn't tell you everything you need to know.

What tier is it on?

What will you actually pay for it?

Does the plan require prior authorization before it will cover it?

Is there step therapy, meaning you may need to try another medication first?

Is there a quantity limit on how much the plan will cover at one time?

And could filling that exact same prescription at a different pharmacy change what you pay?

𝗧𝗛𝗔𝗧'𝗦 why we don't just search for the name of your medication, see a little checkmark, and call it a day.

The details can affect both your wallet and how easy it is to actually get the medication you need.

I included all of these things in my 2027 Medicare Plan Review Checklist so you know what to look for when you're reviewing your prescriptions for next year.

Comment CHECKLIST and I'll send you a copy.

Address

Bessemer City, NC
28016

Opening Hours

9:30am - 8pm

Telephone

+18284301233

Website

http://pavonelifegroup.com/, https://www.instagram.com/plg.justen/

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