Calliste FL Agent

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Calliste FL Agent Serving clients remotely. Major Medical Health Insurance
Term/Whole Life Insurance
Insurance that Pays you CASH

Licensed Insurance Advisor helping individuals and families navigate Medicare, Senior Benefits, Final Expense Insurance, Supplemental Health Coverage and ACA Health Plans and International Travel Protection.

10/17/2026

🚨 Confused by your Medicare Annual Notice of Change? Plans are shifting for 2027.

The Medicare Annual Enrollment Period is officially here (October 15 – December 7). Major adjustments are hitting plan benefits, premiums, and doctor networks right now.

If you received your Annual Notice of Change in the mail and feel overwhelmed by the upcoming changes, you don’t have to guess your way through it.

Whether you are already on Medicare or turning 65, your current plan might look very different next year. Don't risk being blindsided by unexpected out-of-pocket costs or coverage drops in January.

As a licensed independent broker serving the Florida community, I can help you look at the new 2027 plan variations and make sure your coverage still aligns with your health needs and budget.

Reviewing your options is completely free, and there is zero obligation to change plans. Let's make sure you stay protected.

📞 Call me directly for a personalized review:

Patricia Calliste
👉 352-272-2620

Disclaimer:
We do not offer every plan available in your area. Currently, we represent 15 organizations which offers 975 plans products in your area.

Please contact Medicare.gov, 1-800-MEDICARE, or your local State Health Insurance Program (SHIP) to get information on all of your options.

09/11/2026

That Medicare letter arriving in September? Don’t throw it away!

If you have a Medicare Advantage or Medicare Part D prescription drug plan, you should receive an Annual Notice of Change (ANOC) from your plan.

This notice explains changes coming to your plan in January, including things like:

• Coverage
• Costs
• Benefits
• Other important plan details

Why does it matter?
Your plan can change from one year to the next. What worked for you this year may not be the same next year.

Medicare’s Annual Enrollment Period is October 15–December 7, making this a good time to review your ANOC and understand what’s changing.

Have questions about your Medicare options?
Call me at 352-272-2620. I’m happy to help you review your options.

I am a Licensed Independent Health Insurance Broker. Not connected with or endorsed by the U.S. government, CMS, or the federal Medicare program. I do not offer every plan available in your area. Currently, I represent 18 organizations which offer 1,169 products in the state of Florida. Please contact Medicare.gov or 1-800-MEDICARE to get information on all of your options.

Disclaimer: This is for educational purposes only and is not an endorsement of any specific Medicare plan or insurance company. Plan availability, benefits, premiums, costs, and coverage vary by plan and service area. Contact a licensed insurance agent to discuss your individual Medicare options.

09/10/2026

📬 **Got a Medicare plan change notice in the mail? Don’t ignore it.**

Depending on your situation, you may qualify for a **Special Enrollment Period (SEP)** that could give you an opportunity to make a change to your Medicare coverage.

An SEP may apply in situations such as:
• Your Medicare Advantage or prescription drug plan is no longer offered
• Your plan isn’t renewed
• Your service area changes
• Certain qualifying life events, such as moving

⚠️ Not every situation automatically qualifies for an SEP.

If you received a notice about your Medicare plan changing or ending, let's review your situation and your options.

📞 **Call me directly: 352-272-2620**

*Medicare rules and eligibility requirements apply.*



I am a Licensed Independent Health Insurance Broker. Not connected with or endorsed by the U.S. government, CMS, or the federal Medicare program. I do not offer every plan available in your area. Currently, I represent 18 organizations which offer 1,169 products in the state of Florida. Please contact Medicare.gov or 1-800-MEDICARE to get information on all of your options.

Medicare rules and Special Enrollment Period eligibility vary based on individual circumstances.

HMO or PPO? 🤔There is no “one-size-fits-all” answer when it comes to Medicare Advantage. The right choice depends on you...
09/08/2026

HMO or PPO? 🤔

There is no “one-size-fits-all” answer when it comes to Medicare Advantage. The right choice depends on your individual healthcare needs and preferences.

When comparing Medicare Advantage options, consider:

1️⃣ Your Doctors
Are your preferred doctors, specialists, and hospitals in-network?

2️⃣ Your Medications
Are your prescriptions covered by the plan’s formulary, and what cost-sharing applies?

3️⃣ Your Flexibility Needs
Do you prefer the generally more network-based structure of an HMO, or would you value the additional flexibility a PPO may provide for covered out-of-network care?

🗓️ IMPORTANT AEP REMINDER

The Medicare Annual Enrollment Period runs October 15 through December 7.

Enrollment for AEP does not begin until October 15. Until then, this is a good time to learn about Medicare Advantage plan types and review your current coverage so you're prepared.

📞 Patricia Calliste | Licensed Insurance Agent
📱 352-272-2620
(By calling this number, you will be connected to a licensed insurance agent)
Helping You Make Confident Medicare Choices

Disclaimer:
We do not offer every plan available in your area. Currently, we represent 18 organizations which offer more than 1,100 plans in your area. Please contact Medicare.gov, 1-800-MEDICARE, or your local State Health Insurance Program (SHIP) to get information on all of your options.

Not affiliated with or endorsed by the U.S. government or the federal Medicare program. For educational purposes only.

09/07/2026

That “money back” TV ad sound tempting? 📺💰

Many of those commercials are referring to Part B Premium Reduction plans (often called a “Giveback” benefit). While saving money on your Part B premium can be a great perk, a lower monthly cost means very little if:

❌ Your primary doctors aren't in the plan’s network

❌ Your specialist copays go up

❌ Your daily prescription medications aren't covered

Before Medicare Annual Enrollment (AEP) starts on October 15th, make sure you look at the whole picture—not just the headline benefit!

Want to see if a Part B premium reduction plan covers your specific doctors and medications? Let’s review your options together!

📞 Call me directly: 352-272-2620
Patricia Calliste | Licensed Health Insurance Agent

We do not offer every plan available in your area. Currently, we represent 18 organizations which offer multiple products in your area. Please contact Medicare.gov, 1-800-MEDICARE, or your local State Health Insurance Program (SHIP) to get information on all of your options.

Patricia Calliste is an independent insurance agent. Plan availability varies by county and carrier. 'Money back' or 'giveback' features refer to Medicare Advantage Part B Premium Reduction benefits and are subject to plan rules and eligibility.

09/04/2026

**Is your doctor still in your Medicare Advantage plan’s network for 2027?**

If you're reviewing your Medicare Advantage plan for next year, don't look at the premium alone.

Your **Annual Notice of Change (ANOC)** arrives in September and explains important changes to your plan for the coming year. Take a close look at your doctors and other providers, too.

A provider network can change, and the doctor you've been seeing may not participate in your plan next year.

**Before you switch or renew, check your doctors.**

Need help understanding what to look for? Call me at **352-272-2620**.

**Patricia is a Licensed Independent Health Insurance Broker. Not connected with or endorsed by the U.S. government, CMS, or the federal Medicare program. I do not offer every plan available in your area. Currently, I represent 18 organizations which offer 1,169 products in the state of Florida. Please contact Medicare.gov or 1-800-MEDICARE to get information on all of your options.**

**Out-of-network/non-contracted providers are under no obligation to treat Plan members, except in emergency situations. Please call your plan’s customer service number or see your Evidence of Coverage for more information, including the cost-sharing that applies to out-of-network services.**

09/03/2026

What happens if your Medicare Advantage plan’s emergency room is out of network?

In a true emergency, Medicare Advantage plans must cover emergency care, even when the doctor or hospital isn't in your plan's network.

The important thing is simple: don't delay emergency treatment because you're worried about your network.

But understanding your plan's emergency and urgent-care rules before you need them can give you peace of mind.

Have questions about your Medicare coverage? Comment “ER” below.
📞 352-272-2620

Tune in every Tuesday and Thursday for more Medicare updates.

Patricia is an Licensed Independent Health Insurance Broker. Not connected with or endorsed by the U.S. government, CMS, or the federal Medicare program. I do not offer every plan available in your area. Currently, I represent 18 organizations which offer 1,169 products in the state of Florida. Please contact Medicare.gov or 1-800-MEDICARE to get information on all of your options.

09/01/2026

Medigap does NOT replace Medicare — it helps cover some of the costs Original Medicare leaves behind.

Original Medicare pays its share, and you pay your share. For many Part B-covered services, after you meet the Part B deductible, you generally pay 20% coinsurance. Medicare Supplement Insurance (Medigap) can help cover some of these out-of-pocket costs.

Here's the catch: Medigap only works with Original Medicare, not Medicare Advantage — and not all Medigap plans cover the same things. The details matter.

Considering a Medicare Supplement plan? Let's find the right fit. Call me at 352-272-2620.

New Medicare updates every Tuesday & Thursday.

08/27/2026

Wait… Medicare enrollment can start BEFORE your 65th birthday? 😳

Yes — your Initial Enrollment Period begins 3 months before your 65th birthday month, and knowing your timeline is an important part of preparing for Medicare.

If you're approaching 65, now is the time to learn your options and plan ahead.

📞 Questions about Medicare? Call me at 352-272-2620

📅 New Medicare tips every Tuesday & Thursday


Be sure to share this video with someone who may find it helpful.

08/26/2026

Turning 65 soon? Medicare enrollment can be confusing, especially when it comes to knowing whether you’ll be enrolled automatically or need to take action.

Watch this quick Medicare tip so you know what to expect and when timing matters.

If you'd like help understanding your Medicare options, please call me at 352-272-2620. And follow along for more Medicare education every Tuesday and Thursday.

Address

Clermont, FL
34711

Opening Hours

Monday 10am - 8pm
Tuesday 1pm - 8pm
Wednesday 10am - 8pm
Thursday 12pm - 3pm
Friday 10am - 8pm
Saturday 1pm - 6pm

Telephone

3529012591

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