TD Coverage

TD Coverage As an independent broker contracted with 70+ top-rated carriers, Trever is not beholden to any single insurance company. Army and worked as a teacher.

I am passionate about researching insurance options, understanding the differences between companies and plans, evaluating your needs, and meeting people face-to-face to help them navigate the complexities of the health, life and annuity insurance world. An Independent Broker Who Works for You — Not the Insurance Company

Trever Dahms founded TD Coverage on a simple belief: every person deserves h

onest, unbiased guidance when it comes to protecting their health, income, and legacy. He shops the market on your behalf — comparing plans, explaining options in plain language, and helping you make a confident decision. Before becoming a broker, Trever served in the U.S. Those experiences shaped a communication style his clients describe as patient, clear, and genuinely helpful. There's no pressure here — just expertise and a commitment to doing right by the people he serves. TD Coverage serves individuals, families, and retirees throughout Florida, including Pinellas, Hillsborough, and Pasco County. We represent products from a wide variety of insurance companies, helping you compare plan features and prices, so rest assured we can find the plan best suited to your needs. Click through on any of the examples listed below to learn more about any individual product. As always, feel free to call Trever today at (727) 314-3114 to learn more.

Here's a number that surprises most people: Original Medicare (Parts A & B) has no cap on what you could pay out of pock...
09/01/2026

Here's a number that surprises most people: Original Medicare (Parts A & B) has no cap on what you could pay out of pocket in a year.

Medicare Advantage plans are required by law to have an annual out-of-pocket maximum. Once you hit it, the plan picks up 100% of the rest for covered care.

That one feature is why so many of my clients in Pinellas, Hillsborough, and Pasco choose Medicare Advantage. It's built-in protection against a catastrophic bill.

Every plan is different, and MA isn't the right fit for everyone. Let's sit down and compare what's actually available in your ZIP code.

Every October, the phone starts ringing with the same question: “Do I need to do anything for AEP?”If you're on a Medica...
08/27/2026

Every October, the phone starts ringing with the same question: “Do I need to do anything for AEP?”

If you're on a Medicare Supplement plan, the answer is usually no — AEP is for Medicare Advantage and Part D, not Medigap.

But “no action required” doesn't mean “no opportunity available.” If you're healthy and could pass underwriting, you may be able to get the exact same Plan G or Plan N benefits from a different carrier at a lower rate.

I'm Trever Dahms with TD Coverage in Clearwater. I work with 70+ carriers across Pinellas, Hillsborough, and Pasco counties, so I can show you where you actually stand

Here's something worth knowing before Annual Enrollment Period starts: a lot of those "extra" Medicare Advantage perks t...
08/24/2026

Here's something worth knowing before Annual Enrollment Period starts: a lot of those "extra" Medicare Advantage perks that drew people in, over-the-counter allowances, meal benefits, transportation assistance, are getting scaled back for 2027. Insurers are facing rising medical costs while next year's payment increase from Medicare is only around 2.5%, and those supplemental benefits are often the first thing to go.

This is exactly why your Annual Notice of Change (ANOC) letter matters. It's easy to skim past it, but that letter is where insurers are required to tell you what's changing with your plan, including benefits like these getting trimmed or dropped altogether.

Core benefits like dental, vision, and hearing typically stick around. But if the extras were part of why you picked your plan in the first place, don't assume they're still there for 2027.

When your ANOC arrives, don't just file it away. Give me a call and let's go through it together so you know exactly what's changing before AEP decisions are locked in.

Annual Enrollment Period (AEP) is right around the corner, and this year it's more important than ever to actually open ...
08/21/2026

Annual Enrollment Period (AEP) is right around the corner, and this year it's more important than ever to actually open that Annual Notice of Change (ANOC) letter when it lands in your mailbox.

Case in point: Humana just announced it's exiting Medicare Advantage plans covering roughly 600,000 members nationwide for 2027, mostly plans rated 3.5 stars or lower. If your plan is one of them, you won't just see small changes on your ANOC, you could lose your coverage entirely and get defaulted into a new plan you never chose.

The only way to know for sure is to read your ANOC letter closely this fall. If something looks different, or you're not sure what it means for your doctors, prescriptions, or costs, don't guess. Reach out and I'll walk through it with you, no cost, no pressure.

Medicare Advantage plans change every single year. Make sure your coverage still fits before you're locked in for 2027.

Annual Enrollment is Coming!Medicare’s Annual Enrollment Period runs October 15th – December 7th. My services are always...
08/19/2026

Annual Enrollment is Coming!

Medicare’s Annual Enrollment Period runs October 15th – December 7th. My services are always FREE to you — there’s no cost for reviewing your plan or enrolling
✅ Review your current plan
✅ Compare your options
✅ Make sure you’re getting the best coverage for 2025
Don’t wait until the last minute — book your appointment today to lock in your spot!

Call/Text me at 727-314-3114
Schedule an online/phone review: https://calendly.com/tdcoverage/30min

You've probably seen headlines about Medicare Part D subsidies ending after 2026. The subsidies that are ending were tem...
08/11/2026

You've probably seen headlines about Medicare Part D subsidies ending after 2026.

The subsidies that are ending were temporary payments to insurance companies, not Medicare beneficiaries. They were created to help stabilize the market after major Part D changes, including eliminating the coverage gap ("donut hole") and adding an annual cap on out of pocket prescription drug costs.

While some Part D premiums may increase in 2027, that does not automatically mean prescription costs will increase or that beneficiaries will lose their out of pocket protections.

We won't know what 2027 plans look like until Annual Notices of Change (ANOCs) are released this fall. That's when it's time to review your coverage, not when the headlines come out.

If you or someone you know has questions about Medicare, I'm happy to help review the options and make sure the coverage is still the best fit.

You may see ads for Medicare Advantage plans talking about grocery cards, dental coverage, or extra benefits. These bene...
08/07/2026

You may see ads for Medicare Advantage plans talking about grocery cards, dental coverage, or extra benefits. These benefits can be helpful, but they’re not available to everyone, and they often come with qualifications.

The most important question isn’t “What extras does this plan offer?” It’s: “Does this plan work with my doctors and medications?” Extras are a bonus. Your coverage is the foundation.

The price of a streaming subscription may be enough to build the foundation for a bright future.
08/05/2026

The price of a streaming subscription may be enough to build the foundation for a bright future.

Turning 65 or already on Medicare? Let’s make it simple. At TD Coverage we walk you through ALL your options—Original Me...
08/03/2026

Turning 65 or already on Medicare? Let’s make it simple. At TD Coverage we walk you through ALL your options—Original Medicare, Medicare Advantage, Medigap, and Prescription Drug Plans—so you pick the plan that fits your life and budget.
Why work with us?
-Personalized, one-on-one guidance
-Help before, during, and after enrollment
-Expert advice at no cost to you

Don’t leave Medicare to chance — get clarity and confidence today.

Call or text: (262) 352-3997
Schedule a free consult: www.TDcoverage.com

Ready when you are!

Turning 65 in the next 12 months? Here's what you need to have on your radar:Know your Initial Enrollment Period dates —...
07/31/2026

Turning 65 in the next 12 months? Here's what you need to have on your radar:

Know your Initial Enrollment Period dates — it starts 3 months before your birthday month and ends 3 months after. Missing it means permanent penalties.

Understand the difference between Part A and Part B — hospital vs medical coverage, and what each one costs.

Review your current employer coverage situation — if you're still working, the rules around delaying Medicare are specific and worth understanding before you make any decisions.

Compare Part D drug plans — the wrong plan can cost you hundreds extra per year just on medications.
D
ecide between Original Medicare and Medicare Advantage — this decision affects your provider access, your costs, and your flexibility for years to come.

Most people try to figure this out on their own and end up overwhelmed or making decisions they later regret. That's exactly what I'm here to prevent.

Let's get ahead of this together.

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