Kack Insurance Agency

10/02/2026

Effective January 1, 2027, Blue Cross will launch a restructuring of our Medicare offerings. We are introducing all new Medicare Advantage products for 2027, with most of our current Medicare Advantage plans discontinuing at the end of 2026.

09/29/2026

🏡 NEW PRICE + OPEN HOUSE!

714 Saint Olaf | Canby, MN
$194,900
Wednesday, September 30 | 5:00–6:30 PM

If you’ve been looking for a home with space, updates, and plenty of room to enjoy, this one is worth a look!

This 4-bedroom, 3-bath home offers a comfortable layout with both a living room and family room, plus an impressive man cave/recreation space that could easily become a home theater, hobby room, game room, or your favorite spot to gather.

✨ New flooring throughout
🏠 New shingles just 2 years ago
🔥 Furnace only 3 years old
🍽️ Kitchen appliances about 2 years old
🌿 Beautifully landscaped lot
💦 Sprinkler system

It’s the kind of home that gives you the space you need, the updates you want, and a yard you’ll be proud to come home to.

Come take a look Wednesday evening!

🔗 https://yourfullcirclegroup.com/homes-for-sale-details/714-SAINT-OLAF-CANBY-MN-56220/7135770/36/

09/22/2026

🚨 MEDICARE CHANGES ARE COMING FOR 2027! 🚨

If you have Medicare, there are a few changes worth knowing about before Annual Enrollment begins October 15.

💊 Part D costs are changing.
For 2027, the standard Part D deductible increases to $700, up from $615 in 2026.

💰 The prescription drug out-of-pocket limit is changing too.
The Part D annual out-of-pocket threshold will be $2,400 in 2027, compared with $2,100 in 2026.

💉 Insulin protections continue.
For covered insulin, the monthly cost-sharing limit can be no more than $35 — and in some situations it can be lower.

📋 And don’t forget: your individual Medicare plan can change.
Premiums, copays, prescription formularies, pharmacy networks, provider networks and extra benefits can look different from one year to the next.

👉 That’s why I don’t recommend simply assuming your current plan will still be the right fit for 2027.

Annual Enrollment runs October 15 – December 7, and this is the time to review your coverage for January 1.

📞 Kack Insurance Agency
Let me help you review the changes and compare your options for 2027.

Guiding you through your Medicare choices.

We do not offer every plan available in your area. Currently we represent 5 organizations which offer 34 products in your area. Please contact Medicare.gov, 1-800-MEDICARE, or your local SHIP to get information on all your options.

09/15/2026

💰 PAYING EXTRA FOR MEDICARE? IRMAA MAY BE WHY!

Have you ever looked at your Medicare premium and wondered, “Why am I paying more than the standard amount?”

The answer could be IRMAA — Income-Related Monthly Adjustment Amount.

👉 What is IRMAA?
IRMAA is an additional amount that some higher-income Medicare beneficiaries pay on top of their regular Medicare Part B and Part D costs.

👉 How does Medicare determine it?
Your IRMAA is generally based on the modified adjusted gross income (MAGI) from your tax return from 2 years prior.

For example, your 2026 Medicare IRMAA is generally based on your 2024 tax return.

⚠️ But here’s something VERY important to know:

Your income from two years ago may be completely different from your income today.

If you’ve recently experienced certain life-changing events—such as retirement, stopping work, reducing work hours, marriage, divorce, or loss of income-producing property—you may be able to ask Social Security to reconsider the income being used to determine your IRMAA.

That could potentially mean paying less for Medicare each month.

📬 Received an IRMAA notice?

Don’t automatically assume there’s nothing you can do about it. Give me a call and I can help you understand what the notice means and point you in the right direction.

📞 Tanner Kack | 507-828-0766
🏢 Kack Insurance Agency

Medicare can be confusing. You don’t have to figure it out alone!

IRMAA determinations and appeals are handled by the Social Security Administration. Eligibility for a new determination depends on your individual circumstances.

We do not offer every plan available in your area. Currently we represent 5 organizations which offer 34 products in your area. Please contact Medicare.gov, 1-800-MEDICARE, or your local SHIP to get information on all your options.

09/10/2026

Kevin said it best… don’t make big decisions without looking at all your options!

Even if your Medicare plan worked well this year, things can change. Premiums, drug coverage, provider networks, and benefits may be different next year. That’s why it’s important to review your options during Medicare Open Enrollment (October 15 – December 7).

Don’t let Medicare paperwork have you looking like Kevin Hart in this picture. I’m here to help make the process simple and stress-free!

📞 507-828-0766
📍 Canby, MN



We do not offer every plan available in your area. Currently we represent 5 organizations which offer 34 products in your area. Please contact Medicare.gov, 1-800-MEDICARE, or your local SHIP to get information on all your options.

09/09/2026

🎙️ If Joe Rogan asked Trump what every family should have… I think we know how the answer would go:

🇺🇸 “Life insurance. It’s important. Believe me… IT’S HUGE!”

All jokes aside, life insurance really can be a HUGE part of protecting the people you love. It can help replace lost income, cover final expenses, pay off debts, and give your family some financial security if the unexpected happens.

You don’t need a three-hour podcast to figure it out either. Give me a call and we can look at your options and find coverage that fits your needs and budget.

📞 Kack Insurance Agency — 507-828-0766

Protect your family today so they can have a stronger tomorrow. 🇺🇸

09/07/2026

⛽️ Gas prices are up… but hopefully your Medicare costs don’t have to be!

With Medicare Open Enrollment right around the corner, now is a good time to start thinking about your coverage for 2027.

Just like the price at the pump, Medicare plans can change from year to year. Premiums, copays, prescription coverage, provider networks, and benefits may all look different in 2027.

📅 Medicare Annual Enrollment: October 15 – December 7

I can help you:
✅ Review your current plan
✅ Compare your 2027 options
✅ Check your prescriptions and pharmacies
✅ Make sure your doctors are still in network
✅ Understand what’s changing for next year

I can’t do much about the number on the gas pump… but I CAN help you with your Medicare plan. 😂

📞 Tanner Kack | 507-828-0766
Kack Insurance Agency
Guiding you through your Medicare choices.

07/04/2026

🇺🇸 Happy 4th of July from Kack Insurance Agency! 🇺🇸

Today we celebrate the freedoms we enjoy, the communities we call home, and the people who make them special.

Whether you’re spending the day at the lake, grilling with family, watching fireworks, or just enjoying a well-deserved day off, I hope your holiday is filled with great memories and plenty of laughter.

Thank you to all who have trusted Kack Insurance Agency to help with your Medicare, health insurance, and life insurance needs.

Have a safe and happy Independence Day!

🎆 God Bless America! 🎆

07/02/2026

🚨 PUBLIC SERVICE ANNOUNCEMENT 🚨

After hanging a giant Kack Insurance flag hundreds of feet in the air, I’ve learned two things:

1. People will definitely notice it.
2. They’ll still ask, “So when do I need to sign up for Medicare?” 😆

So while I have your attention…

If you’re turning 65, already on Medicare, or wondering if your current coverage is still the right fit, let’s talk.

And if you’re putting off life insurance because you’ll “get around to it someday,” you’re not alone—but someday has a funny way of sneaking up on people.

The flag got your attention.

Now let me help with the important stuff.

📞 507-828-0766

Kack Insurance Agency
Helping you navigate Medicare and Life Insurance—without requiring a climb to the top of a skyscraper.🏙️

We do not offer every plan available in your area. Currently, we represent 5 organizations which offer 34 products in your area. Please contact Medicare.gov, 1-800-MEDICARE, or your local State Health Insurance Program (SHIP) to get information on all your options.

06/01/2026

Medicare Cost Plans vs. Medicare Supplements vs. Medicare Advantage: What’s the Difference?

🤔 Trying to decide between a Medicare Supplement, Cost Plan, or Medicare Advantage Plan?

These are three of the most common Medicare options, but they work very differently.

✅ Medicare Supplement (Medigap)

• Works alongside Original Medicare.
• Helps pay deductibles, copays, and coinsurance.
• See any doctor nationwide who accepts Medicare.
• Typically has higher monthly premiums but lower out-of-pocket costs when you receive care.
• Does not include prescription drug coverage (a separate Part D plan is usually needed).

✅ Medicare Cost Plans

• Available in limited areas.
• Offer flexibility between network and non-network providers.
• Often include additional benefits.
• May have lower premiums than a Supplement but can include copays and cost-sharing.
• Great option for some people who want flexibility while maintaining Original Medicare benefits.

✅ Medicare Advantage Plans (Part C)

• Alternative way to receive your Medicare benefits.
• Often include prescription drug coverage, dental, vision, hearing, fitness memberships, and other extras.
• Usually have lower monthly premiums.
• Use provider networks and have copays as you use services.
• Include an annual maximum out-of-pocket limit for covered medical expenses.

Which One Is Best?

✔️ Want the most provider flexibility? A Medicare Supplement may be a good fit.

✔️ Looking for extra benefits and potentially lower premiums? A Medicare Advantage Plan may make sense.

✔️ Have access to a Cost Plan and want a blend of flexibility and affordability? A Cost Plan could be worth considering.

The right choice depends on your health needs, budget, travel habits, and preferred doctors.

📞 If you’re turning 65, new to Medicare, or simply want a second opinion on your current coverage, I’d be happy to help.

Tanner Kack
Kack Insurance Agency
📱 507-828-0766

Not affiliated with or endorsed by the U.S. Government or the federal Medicare program. We do not offer every plan available in your area. Currently we represent multiple organizations that offer numerous products in your area. Please contact Medicare.gov, 1-800-MEDICARE, or your State Health Insurance Assistance Program (SHIP) for information on all available options.

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