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Paul Todd - Today's Senior Solutions

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Paul Todd - Today's Senior Solutions

I am a "stress reliever" when it come to Medicare. I take the worry away from seniors like yourself

09/09/2026

⛽ 𝗘𝘃𝗲𝗿 𝗻𝗼𝘁𝗶𝗰𝗲 𝗵𝗼𝘄 𝗴𝗮𝘀 𝗽𝗿𝗶𝗰𝗲𝘀 𝘀𝗲𝗲𝗺 𝘁𝗼 𝗰𝗿𝗲𝗲𝗽 𝘂𝗽 — 𝗮𝗻𝗱 𝘁𝗵𝗲𝗿𝗲’𝘀 𝘂𝘀𝘂𝗮𝗹𝗹𝘆 𝗮 𝗿𝗲𝗮𝘀𝗼𝗻 𝗯𝗲𝗵𝗶𝗻𝗱 𝗶𝘁?
A refinery issue. A holiday weekend. Something happening halfway around the world.
You may not like the increase, but at least there’s usually an explanation.
Medicare Part B went up in 2026, too.
The standard monthly 𝗣𝗮𝗿𝘁 𝗕 𝗽𝗿𝗲𝗺𝗶𝘂𝗺 𝗶𝗻𝗰𝗿𝗲𝗮𝘀𝗲𝗱 𝗳𝗿𝗼𝗺 $𝟭𝟴𝟱.𝟬𝟬 𝘁𝗼 $𝟮𝟬𝟮.𝟵𝟬, and the annual Part B deductible went from $257 to $283. CMS says the increase is mainly tied to projected healthcare price changes and expected increases in how much care people use.
That’s a noticeable jump.
And here’s why knowing the reason matters:
If you saw a higher Medicare deduction or bill this year, you might have wondered, “Did something go wrong?”
For most people paying the standard premium, the answer is no. This was a nationwide change to Medicare Part B. Some higher-income beneficiaries may pay more because of IRMAA.
Knowing why the number changed doesn’t make it any smaller… but it does make Medicare a little less confusing.
👇 Speaking of prices going up — what’s one price increase lately that genuinely caught you off guard?
💬 Have a Medicare question? Comment “QUESTIONS” or contact Paul Todd directly.
📞 Call or text: 205-419-9732
✉️ Email: [email protected]
🌐 CrownLegacyGroup.com

09/08/2026

🍂 𝗘𝘃𝗲𝗿𝘆 𝗳𝗮𝗹𝗹, 𝗮 𝗹𝗼𝘁 𝗼𝗳 𝗽𝗲𝗼𝗽𝗹𝗲 𝘄𝗮𝗶𝘁 𝘂𝗻𝘁𝗶𝗹 𝗢𝗰𝘁𝗼𝗯𝗲𝗿 𝟭𝟱 𝘁𝗼 𝘀𝘁𝗮𝗿𝘁 𝘁𝗵𝗶𝗻𝗸𝗶𝗻𝗴 𝗮𝗯𝗼𝘂𝘁 𝘁𝗵𝗲𝗶𝗿 𝗠𝗲𝗱𝗶𝗰𝗮𝗿𝗲 𝗰𝗼𝘃𝗲𝗿𝗮𝗴𝗲.
This year, I wouldn’t recommend waiting that long.
There’s already a lot changing behind the scenes for 2027. CMS has confirmed that the temporary Part D Premium Stabilization Demonstration ends after 2026, and new plan premiums, benefits, and plan availability will be rolling out this fall.
So instead of waiting for enrollment to open and then scrambling, there’s one smart thing you can do right now:
👉 Take a good look at the coverage you already have.

Ask yourself:
• What am I paying now?
• Are my prescriptions covered the way I need them to be?
• Are my doctors and hospitals still working well with my plan?
• What benefits do I actually use?
• What would I change if I had the option?

You don’t need all the 2027 numbers yet to start preparing.
Knowing what’s working — and what isn’t — means you’ll be ready to compare when the new plan details are released, instead of starting from scratch on October 15.

💬 Want a simple checklist of exactly what to review before Annual Enrollment begins? Comment “QUESTIONS” and I’ll send it your way.
Now tell me…
👇 Are you the kind of person who likes to get a head start, or are you proudly Team Last Minute? 😂
💬 For more FREE Medicare help, contact Paul Todd directly:
📞 Call or text: 205-419-9732
✉️ Email: [email protected]
🌐 CrownLegacyGroup.com

09/07/2026

𝗛𝗮𝗽𝗽𝘆 𝗟𝗮𝗯𝗼𝗿 𝗗𝗮𝘆 𝗳𝗿𝗼𝗺 𝗖𝗿𝗼𝘄𝗻 𝗟𝗲𝗴𝗮𝗰𝘆 𝗚𝗿𝗼𝘂𝗽!
Today, I’m grateful for the hardworking men and women who have built businesses, raised families, served their communities, and helped make this country what it is.
For many of us, Labor Day is also a good reminder to slow down for a minute, enjoy time with family, and appreciate the work that got us here.

I hope your day includes a little rest, a little good food, and plenty of time with the people who matter most.
From my family to yours, Happy Labor Day! 🇺🇸

— Paul Todd
Crown Legacy Group
💬 For more FREE Medicare help, contact Paul Todd directly:
📞 Call or text: 205-419-9732
✉️ Email: [email protected]
🌐 CrownLegacyGroup.com
📖 Get my book:
Turning 65 Without Fear: A Simple, Southern Guide to Medicare Confidence
https://www.amazon.com/dp/B0H7SW8QTC

09/06/2026

🎡 Fair rides have a trick to them.
You buy the wristband once, and after that, you stop doing math in your head every time you get in line. 😂

𝗠𝗲𝗱𝗶𝗰𝗮𝗿𝗲 𝗣𝗮𝗿𝘁 𝗗 𝗵𝗮𝘀 𝘀𝗼𝗺𝗲𝘁𝗵𝗶𝗻𝗴 𝗮 𝗹𝗶𝘁𝘁𝗹𝗲 𝘀𝗶𝗺𝗶𝗹𝗮𝗿 — 𝗮𝗻 𝗮𝗻𝗻𝘂𝗮𝗹 𝗹𝗶𝗺𝗶𝘁 𝗼𝗻 𝘄𝗵𝗮𝘁 𝘆𝗼𝘂 𝗽𝗮𝘆 𝗼𝘂𝘁 𝗼𝗳 𝗽𝗼𝗰𝗸𝗲𝘁 𝗳𝗼𝗿 𝗰𝗼𝘃𝗲𝗿𝗲𝗱 𝗽𝗿𝗲𝘀𝗰𝗿𝗶𝗽𝘁𝗶𝗼𝗻 𝗱𝗿𝘂𝗴𝘀.

And for 2027, that number is going up.
💊 The Part D out-of-pocket threshold will be $2,400 in 2027, up from $2,100 in 2026.
Think of it as the “wristband number.”
Once your out-of-pocket spending on covered Part D drugs reaches that threshold, you generally pay $0 for covered Part D drugs for the rest of the calendar year.
That protection can be especially important for people taking expensive medications — but the higher number is something you’ll want to know when planning your healthcare budget for next year.

👉 And remember: your prescriptions and your plan can change from year to year. Don’t assume what worked in 2026 will automatically be your best choice in 2027.
I’ll keep sharing the important 2027 Medicare numbers as they come out.

🎠 Now let’s talk about something more fun:
𝘞𝘩𝘢𝘵’𝘴 𝘵𝘩𝘦 𝘖𝘕𝘌 𝘧𝘢𝘪𝘳 𝘳𝘪𝘥𝘦 𝘺𝘰𝘶 𝘯𝘦𝘷𝘦𝘳 𝘴𝘬𝘪𝘱?

👇 Tell me in the comments!
💬 For more FREE Medicare help, contact Paul Todd directly:
📞 Call or text: 205-419-9732
✉️ Email: [email protected]

09/05/2026

🍂 Fall looks a little different depending on who you ask.

For the kids and grandkids, it means pumpkins, Halloween costumes, cooler weather, and plenty of family fun. 🎃👻

For me?

𝘔𝘺 𝘱𝘩𝘰𝘯𝘦 𝘨𝘦𝘵𝘴 𝘣𝘶𝘴𝘪𝘦𝘳, 𝘢𝘯𝘥 𝘐 𝘴𝘵𝘢𝘳𝘵 𝘤𝘰𝘶𝘯𝘵𝘪𝘯𝘨 𝘵𝘩𝘦 𝘥𝘢𝘺 𝘪𝘯 𝘢𝘱𝘱𝘰𝘪𝘯𝘵𝘮𝘦𝘯𝘵𝘴 𝘢𝘯𝘥 𝘤𝘰𝘧𝘧𝘦𝘦. ☕😂

That’s Medicare season.

The calendar fills up, the calls and texts start coming in, and a whole lot of conversations happen around the kitchen table or over the phone.

But I wouldn’t trade it.

I love making memories with my family, and I’m just as grateful for the opportunity to help people understand their Medicare choices and feel a little more confident about what comes next.

👇 What does fall look like at your house? Pumpkins and costumes… or appointments and coffee?

💬 Need some Medicare help? I’m happy to answer your questions.

📞 Call or text Paul Todd: 205-419-9732
✉️ Email: [email protected]
🌐 CrownLegacyGroup.com

09/04/2026

There’s one question I get asked more than any other this time of year, and funny enough, it’s not really about Medicare.

“So… is this your busy season?”
𝗬𝗲𝘀. 𝗔𝗯𝘀𝗼𝗹𝘂𝘁𝗲𝗹𝘆. 😂

This is the time of year when my calendar starts filling up with back-to-back appointments, the phone stays busy, texts come in all day, and I’ve been known to reheat the same cup of coffee more than once because I forgot it was sitting there.
But it’s a good kind of busy.
The kind where you’re tired at the end of the day, but you know you helped somebody understand their choices, avoid a mistake, or feel a little less overwhelmed about Medicare.
And that makes the long days worth it.
Now I’m curious…
👇 𝗪𝗵𝗮𝘁’𝘀 𝘁𝗵𝗲 𝗾𝘂𝗲𝘀𝘁𝗶𝗼𝗻 𝗬𝗢𝗨 𝗴𝗲𝘁 𝗮𝘀𝗸𝗲𝗱 𝗺𝗼𝘀𝘁 𝘁𝗵𝗶𝘀 𝘁𝗶𝗺𝗲 𝗼𝗳 𝘆𝗲𝗮𝗿 — 𝘄𝗼𝗿𝗸 𝗿𝗲𝗹𝗮𝘁𝗲𝗱 𝗼𝗿 𝗻𝗼𝘁?
💬 And if Medicare is on your mind, I’m always happy to help.
📞 Call or text Paul Todd: 205-419-9732
✉️ Email: [email protected]
📖 Get my book:
Turning 65 Without Fear: A Simple, Southern Guide to Medicare Confidence
https://www.amazon.com/dp/B0H7SW8QTC

09/03/2026

🎃 𝗬𝗼𝘂 𝗸𝗻𝗼𝘄 𝗵𝗼𝘄 𝘁𝗵𝗲 𝗳𝗶𝗿𝘀𝘁 𝗽𝘂𝗺𝗽𝗸𝗶𝗻 𝘀𝗽𝗶𝗰𝗲 𝘀𝗶𝗴𝗻 𝘀𝗵𝗼𝘄𝘀 𝘂𝗽 𝗮𝘁 𝘁𝗵𝗲 𝗰𝗼𝗳𝗳𝗲𝗲 𝘀𝗵𝗼𝗽 𝗯𝗲𝗳𝗼𝗿𝗲 𝗳𝗮𝗹𝗹 𝗮𝗰𝘁𝘂𝗮𝗹𝗹𝘆 𝗴𝗲𝘁𝘀 𝗵𝗲𝗿𝗲?

It’s not the whole season yet — it’s just the first little sign of what’s coming.
That’s basically where we are with 2027 Medicare Part D drug plans.
CMS has confirmed one of the first important numbers for next year: the base premium for standalone Part D plans is $41.33 𝘱𝘦𝘳 𝘮𝘰𝘯𝘵𝘩.
Now, that does not mean everyone will pay $41.33. Actual premiums can vary quite a bit from one plan to another.

Think of it like that first pumpkin spice sign — it’s not the full picture, but it gives us our first real clue about what’s ahead.
The numbers that matter most — the premium, deductible, drug costs, and coverage for your specific plan — will come out later this fall.

👉 And when they do, don’t automatically assume your current plan will still be your best choice for 2027. It’s worth taking a fresh look.
I’ll keep you posted as more information rolls out.

🎃 Now for the important question:
Are you a pumpkin spice lover… or are you firmly on Team Overrated? 😂
👇 Drop your vote in the comments!

💬 For more FREE Medicare help, contact Paul Todd directly:
📞 Call or text: 205-419-9732
✉️ Email: [email protected]
📖 Get my book:
Turning 65 Without Fear: A Simple, Southern Guide to Medicare Confidence
https://www.amazon.com/dp/B0H7SW8QTC

09/02/2026

𝗧𝗵𝗲 𝗵𝗮𝗿𝗱𝗲𝘀𝘁 𝗽𝗮𝗿𝘁 𝗼𝗳 𝘁𝘂𝗿𝗻𝗶𝗻𝗴 𝟲𝟱 𝗶𝘀𝗻’𝘁 𝗠𝗲𝗱𝗶𝗰𝗮𝗿𝗲.
𝘐𝘵’𝘴 𝘯𝘰𝘵 𝘬𝘯𝘰𝘸𝘪𝘯𝘨 𝘸𝘩𝘦𝘳𝘦 𝘵𝘰 𝘴𝘵𝘢𝘳𝘵.

Here’s the honest truth: most people don’t need to understand all of Medicare. They need to understand three things about their own situation.
First, when your enrollment window opens. It’s tied to your 65th birthday, and it doesn’t stay open forever.

Second, what coverage you have right now — employer plan, retiree coverage, spouse’s plan, or nothing at all. That single answer changes everything about what you should do next.

Third, who you can call when you have a question. Preferably someone local who’ll pick up the phone.

That’s it. Everything else can be explained one step at a time.
If your 65th birthday is somewhere on the horizon, don’t wait until the month before to start asking questions. A conversation now is a whole lot easier than a scramble later.

DM me “𝟲𝟱” if you’re turning 65 within the next year, and I’ll walk you through your timeline.

𝗣𝗮𝘂𝗹 𝗧𝗼𝗱𝗱
𝘔𝘦𝘥𝘪𝘤𝘢𝘳𝘦 𝘚𝘱𝘦𝘤𝘪𝘢𝘭𝘪𝘴𝘵 | 17+ 𝘠𝘦𝘢𝘳𝘴 𝘰𝘧 𝘌𝘹𝘱𝘦𝘳𝘪𝘦𝘯𝘤𝘦

💬 For more free Medicare help, contact Paul Todd directly:
📞 Call or text: 205-419-9732
✉️ Email: [email protected]
📖 Get my book: Turning 65 Without Fear: A Simple, Southern Guide to Medicare Confidence
https://www.amazon.com/dp/B0H7SW8QTC

09/02/2026

𝗘𝘃𝗲𝗿𝘆 𝗳𝗮𝗹𝗹, 𝗜 𝘄𝗮𝘁𝗰𝗵 𝘁𝗵𝗲 𝘀𝗮𝗺𝗲 𝘁𝗵𝗶𝗻𝗴 𝗵𝗮𝗽𝗽𝗲𝗻.
The commercials start. The mailers pile up. The phone rings from numbers nobody recognizes. And people who were doing just fine suddenly feel like they’re behind on something.
So I’m doing something a little different this September.
All month, I’m posting plain-English Medicare information — no pressure, no pitch, no jargon. Just the things I explain over and over in my office, shared here for free.

If you’re turning 65, already on Medicare, or helping a parent figure it out, this month is for you.
Medicare doesn’t have to be confusing. It just has to be explained by someone who isn’t in a hurry.
𝗙𝗼𝗹𝗹𝗼𝘄 𝗮𝗹𝗼𝗻𝗴. 𝗔𝘀𝗸 𝗾𝘂𝗲𝘀𝘁𝗶𝗼𝗻𝘀. 𝗜’𝗹𝗹 𝗯𝗲 𝗵𝗲𝗿𝗲.

Comment “𝗦𝗧𝗔𝗥𝗧,” and I’ll make sure you don’t miss this month’s Medicare posts.
💬 For more free Medicare help, contact Paul Todd directly:
📞 Call or text: 205-419-9732
✉️ Email: [email protected]
📖 Get my book: Turning 65 Without Fear: A Simple, Southern Guide to Medicare Confidence
https://www.amazon.com/dp/B0H7SW8QTC

09/01/2026

🍂 𝗛𝗘𝗟𝗟𝗢, 𝗦𝗘𝗣𝗧𝗘𝗠𝗕𝗘𝗥! 🍂

September is here—and just like that, summer is winding down, and fall is settling in. 🍁
It’s a good time to slow down, get organized, and take a look at what’s ahead—especially when it comes to your Medicare.
If you’ve got questions about your coverage, upcoming changes, or what to expect during the Annual Enrollment Period, don’t wait until the last minute.
As always, I’m here to help you make sense of Medicare without the confusion.

𝘏𝘦𝘳𝘦’𝘴 𝘵𝘰 𝘢 𝘩𝘦𝘢𝘭𝘵𝘩𝘺, 𝘩𝘢𝘱𝘱𝘺, 𝘢𝘯𝘥 𝘴𝘵𝘳𝘦𝘴𝘴-𝘧𝘳𝘦𝘦 𝘚𝘦𝘱𝘵𝘦𝘮𝘣𝘦𝘳!

𝗣𝗮𝘂𝗹 𝗧𝗼𝗱𝗱
𝘔𝘦𝘥𝘪𝘤𝘢𝘳𝘦 𝘚𝘱𝘦𝘤𝘪𝘢𝘭𝘪𝘴𝘵 | 17+ 𝘠𝘦𝘢𝘳𝘴 𝘰𝘧 𝘌𝘹𝘱𝘦𝘳𝘪𝘦𝘯𝘤𝘦

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35216

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