KIG Senior Solutions by Kristina Cheranko

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KIG Senior Solutions by Kristina Cheranko https://KIGCares.com

As a dedicated Medicare broker and a devoted wife and mother, I am passionate about providing personalized assistance to individuals navigating the complexities of Medicare.

10/16/2026

What happens if you do absolutely nothing during Medicare AEP?

In many cases, your current coverage will simply continue into 2027, as long as your plan is still being offered.

But here’s the important part: continuing coverage doesn’t mean everything about it stays the same.

Your costs, prescription coverage, provider network, or other plan details may change for the new year.

So no, you don’t have to change plans just because it’s AEP.

But I also don’t recommend doing nothing simply because everything worked well this year.

Review what’s changing first. Then, if keeping your current coverage still makes sense, doing nothing can be an informed decision.

10/14/2026

Your neighbor LOVES their Medicare plan.

Good for them. 😂

But that doesn’t necessarily mean it’s the right choice for you.

You may take different prescriptions, see different doctors and specialists, use a different pharmacy, or need healthcare much more or less often than they do.

Even two spouses living in the same house can have different healthcare needs and find that different coverage makes sense for each of them.

So when someone tells you, “You HAVE to get the plan I have,” take the recommendation for what it is: a recommendation.

Your Medicare coverage should make sense for your doctors, prescriptions, healthcare needs, and budget.

Bob can keep loving his plan. We’re going to look at yours. 😂

10/12/2026

Your doctor is in-network this year.

That’s good to know, but it doesn’t automatically mean they’ll be in-network with the same Medicare Advantage plan in 2027.

Provider networks can change from one year to the next, which is why checking your doctors should be part of your Medicare review during AEP.

And don’t stop with your primary care doctor. Check the providers you actually rely on:
• Specialists
• Hospitals and health systems
• Physical therapists or other providers you see regularly

One more tip: don’t rely on an old provider directory or assume that because the office “takes Medicare,” it accepts your specific plan.

If keeping certain doctors is important to you, make sure they’re part of the conversation before you make a decision for 2027.

10/09/2026

Helping Mom or Dad with Medicare during AEP? Your help can be incredibly valuable.

But when you sit down for the conversation, try to let them answer the questions first.

Which doctors matter most to them? What prescriptions are they taking? What healthcare costs have surprised them this year? Is there anything about their current coverage that has been frustrating or confusing?

You may know a lot about their healthcare, but you may not know every appointment they’ve made, prescription they’ve filled, or concern they’ve had.

Be there. Take notes. Ask questions. Help them remember the things they wanted to bring up.

Just make sure their voice stays at the center of the conversation.

And if you’re helping a parent through AEP this year, you’re always welcome to come to the conversation together.

10/08/2026

Medicare’s Annual Enrollment Period begins October 15, so let’s clear up one of the biggest questions:

What can you actually change during AEP?

From October 15 through December 7, you can:
• Switch from one Medicare Advantage plan to another
• Move from Original Medicare to Medicare Advantage
• Leave Medicare Advantage and return to Original Medicare
• Join, switch, or drop a Medicare Part D prescription drug plan

Any changes you make during this period generally take effect January 1.

And one important reminder: you do not have to change your coverage just because it’s AEP.

This is simply your opportunity to review what you have, see what’s changing for 2027, and decide whether your current coverage still makes sense for you.

If you’re not sure what your options are this year, send me a message. I’m happy to help you sort through them.

09/29/2026

That big packet from your Medicare plan? Don’t toss it.

Your Annual Notice of Change (ANOC) explains what will be different with your plan in the coming year, including changes that could affect your costs, prescriptions, or provider network.

You don’t have to read every word. But you do want to know what’s changing before the new year.

Not sure what you should be looking for? Send me a message. I’m happy to help.

09/28/2026

“My doctor takes Medicare.”

That’s a good start! But there’s one more question you may need to ask:

“Is my doctor in my plan’s network?”

A doctor can accept Medicare and still not be in the network for a particular Medicare Advantage plan.

That distinction can affect whether you can see that doctor under your plan and what you may pay.

Before assuming your doctor is covered, check the network for your specific plan.

Have questions about how to check? Send me a message. I’m happy to help.

09/25/2026

Pull out your Medicare card for a second.

Under Part A and Part B, you’ll see a date showing when each part of your Medicare coverage started.

Those dates may be the same, but they don’t have to be. For example, someone may have enrolled in Part A at 65 but delayed Part B because they were still covered through an employer.

It’s a small detail on your card, but it tells an important part of your Medicare history.

Go look at yours. Are your Part A and Part B dates the same?

09/24/2026

A $0 Medicare Advantage premium does not mean $0 in healthcare costs.

Depending on your plan and the care you need, you may still have deductibles, copays, or coinsurance when you see a doctor or receive other covered services.

And remember, you generally still pay your Medicare Part B premium, too.

The monthly premium is one number. Your potential out-of-pocket costs are another.

Have questions about what you could actually pay with your coverage? Send me a message.

09/23/2026

Your income went down this year.

So why are you paying more for Medicare?

Medicare generally uses your tax return from two years ago to determine whether you’ll pay an income-related adjustment on your Part B and Part D premiums.

That means what Medicare sees on paper may not reflect what you’re earning today.

If your income dropped because of certain life-changing events, such as retirement or losing a job, you may be able to ask Social Security to reconsider that amount.

If this sounds like your situation and you’re not sure where to start, send me a message.

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Crown Point, IN

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+12194445221

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