Navigate Health Insurance Services

Navigate Health Insurance Services I started in the Medicare industry as an internal sales agent at a major Medicare insurance company, where I learned the ins-and-outs of Medicare.

Licensed independent insurance agent based in Colorado, helping clients with Medicare, health insurance, dental, vision, life insurance, and care planning coverage. In 2016, I left my insurance job to teach at a high school in an inner-city neighborhood. I enjoyed teaching young adults very much, but after two years of teaching I decided the bureaucracy of teaching wasn’t for me, and I returned to

the Medicare industry as an independent insurance agent. I’m still an educator, but now I educate adults ages 65 or better and help navigate the complex world of Medicare and local healthcare systems.

Medicare physician payments may change in 2027. Why could that matter to you?CMS has proposed lowering Medicare's physic...
08/26/2026

Medicare physician payments may change in 2027. Why could that matter to you?

CMS has proposed lowering Medicare's physician payment conversion factors from their temporary 2026 levels. The proposal is not final, and it does not mean your doctor will stop accepting Medicare.

However, medical practices are also facing higher operating costs. Over time, that pressure may influence whether a practice accepts new Medicare patients or participates in particular Medicare Advantage plan networks.

That makes this fall's Medicare Annual Enrollment Period especially important.

From October 15 through December 7, you can review your coverage for 2027. Plans release updated benefits, costs, and provider information before this period. Even if you are satisfied with your current coverage, it is worth checking whether the doctors and facilities that matter to you are still participating.

If keeping your doctors is important, I can help you compare plan networks and identify questions to ask each provider before you enroll. Contact Navigate Health Insurance Services for a Medicare review.

CMS physician-payment proposal:
https://www.cms.gov/newsroom/fact-sheets/calendar-year-cy-2027-medicare-physician-fee-schedule-proposed-rule

Medicare Annual Enrollment information:
https://www.medicare.gov/health-drug-plans/open-enrollment

Provider networks can change during the year. Always confirm current participation directly with both the plan and the provider.

Not affiliated with or endorsed by Medicare or any government agency.

Medicare is paying more attention to what happens after certain major surgeries, not just the procedure itself.Through p...
08/22/2026

Medicare is paying more attention to what happens after certain major surgeries, not just the procedure itself.

Through programs such as TEAM, and the upcoming CJR-X model for joint replacements, participating hospitals are being held more accountable for both the quality and total cost of care during recovery. That can include follow-up visits, rehabilitation, care transitions, and avoiding preventable complications or readmissions.

Why does this matter for beneficiaries?

• Better communication between the hospital, doctors, therapists, and other providers
• A clearer recovery plan after discharge
• More attention to unnecessary or duplicate services
• The potential to reduce avoidable health problems and costs

These programs mainly operate behind the scenes for people with Original Medicare. They do not guarantee a lower individual bill.

If you are planning a major surgery, ask who is coordinating your recovery, what follow-up care is expected, and whom to call if something changes after you return home.

Official CMS references:

TEAM: https://www.cms.gov/priorities/innovation/innovation-models/team-model

CJR-X: https://www.cms.gov/priorities/innovation/innovation-models/cjr-x

Questions about how your Medicare coverage fits into a planned surgery? Schedule an appointment at navigatehealthinsurance.com.

Not affiliated with or endorsed by Medicare or any government agency.

Medicare update: Part D costs may look different in 2027.CMS recently announced that the temporary Part D Premium Stabil...
08/13/2026

Medicare update: Part D costs may look different in 2027.

CMS recently announced that the temporary Part D Premium Stabilization Demonstration will end after 2026. Plain-language version: this program helped smooth some premium changes for standalone Part D prescription drug plans after recent Part D benefit changes.

This does not mean Part D is ending, and it does not mean everyone should switch plans today. Plan-specific premiums, formularies, pharmacy networks, and drug costs are not final yet.

What it does mean: this fall's Part D review may matter more than usual.

Before Medicare Open Enrollment, it helps to have an updated medication list, preferred pharmacies, current plan information, and any plan notices you receive.

Medicare Open Enrollment runs October 15 to December 7.

I help people review Part D coverage and compare options when plan details are available.

Not affiliated with or endorsed by Medicare or any government agency.

Medicare question of the week: What is the new Medicare GLP-1 Bridge?Medicare recently launched a temporary program call...
08/05/2026

Medicare question of the week: What is the new Medicare GLP-1 Bridge?

Medicare recently launched a temporary program called Medicare GLP-1 Bridge. It may help certain people with Medicare drug coverage access specific GLP-1 weight-loss medications, but it is not automatic coverage for everyone.

A few important details:

The program has eligibility rules.
Only certain drugs and forms are included.
Your doctor is the right place to start medically.
Prior authorization may be required.
The $50 copay works differently from regular Part D cost-sharing.

If you are hearing headlines about this program, the main takeaway is simple: check the details before assuming it applies to your situation.

Not affiliated with or endorsed by Medicare or any government agency.

Medicare question of the week: What should you bring to a Medicare review?If you are getting ready to compare Medicare o...
07/24/2026

Medicare question of the week: What should you bring to a Medicare review?

If you are getting ready to compare Medicare options, it helps to have a few things in front of you: your current coverage, your doctor list, prescriptions, preferred pharmacies, and any notices about plan changes.

Those details make the conversation more useful and help keep the focus on your actual needs.

If you are not sure where to start, that is normal. Schedule an appointment and I can help walk through it step by step.

Not affiliated with or endorsed by Medicare or any government agency.

Medicare question of the week:Are your doctors in network?If you are considering a Medicare Advantage plan, one of the f...
07/15/2026

Medicare question of the week:

Are your doctors in network?

If you are considering a Medicare Advantage plan, one of the first things to check is whether your doctors, hospitals, and specialists are in network.

A plan can look appealing on paper, but the details matter. Doctors, prescriptions, pharmacies, expected costs, and local network fit all play a role in whether a plan makes sense for your situation.

If you are comparing Medicare options, I can help you review the details before you enroll.

Not affiliated with or endorsed by Medicare or any government agency.

Medicare question of the week:I take prescriptions. Does the pharmacy I use matter for Part D?Often, yes. Part D plan fi...
07/02/2026

Medicare question of the week:

I take prescriptions. Does the pharmacy I use matter for Part D?

Often, yes. Part D plan fit can depend on the specific medications you take, your dosages, plan formularies, and which pharmacies are preferred in the plan.

That is why it helps to review your prescription list before comparing plans. A plan that looks fine at first can fit differently once medications and pharmacies are checked.

If you are reviewing Medicare options, I can help you compare Part D coverage and enroll when you are ready.

Not affiliated with or endorsed by Medicare or any government agency.

Medicare question of the week:I'm still working at 65. Do I need to enroll in Medicare?The answer depends on your situat...
06/24/2026

Medicare question of the week:

I'm still working at 65. Do I need to enroll in Medicare?

The answer depends on your situation. Medicare timing can be affected by employer coverage, spouse coverage, employer size, and whether your prescription drug coverage is considered creditable.

That is why the first step is not comparing plans. The first step is understanding your enrollment timeline so you know what decisions actually need to be made.

If you're approaching 65 and still working, I can help you sort through the timing before you choose a Medicare path.

Not affiliated with or endorsed by Medicare or any government agency.

Medicare question of the week:I'm turning 65 soon. Where should I start?If you're turning 65 soon, the first thing to un...
06/17/2026

Medicare question of the week:

I'm turning 65 soon. Where should I start?

If you're turning 65 soon, the first thing to understand is that Medicare has different parts, and each part does a different job.

Part A helps with hospital coverage.
Part B helps with outpatient medical coverage.
Part D helps with prescription drug coverage.

Medicare Advantage and Medicare Supplement plans are different ways people add or organize coverage.

If you're not sure where to start, that's normal. The best first step is learning your enrollment timeline before comparing plans.

If you'd like help walking through your timeline, you can schedule an appointment through the Contact Us button or at navigatehealthinsurance.com.

Not affiliated with or endorsed by Medicare or any government agency.

06/12/2026

Hi, I’m Chris Cockey with Navigate Health Insurance Services. I’m a licensed independent insurance agent based in Colorado, helping people make sense of Medicare, health insurance, dental, vision, life insurance, and care planning coverage.

I work with clients by phone, video, and in person by appointment. Whether you’re turning 65, reviewing your Medicare coverage, helping a parent compare options, or just trying to understand what your choices mean, I’m happy to be a resource.

You can learn more here:
https://www.navigatehealthinsurance.com/

Or schedule a time to talk:
https://calendly.com/navigate-insurance

Required Medicare disclaimer: not affiliated with or endorsed by Medicare or any government agency. We do not offer every plan available in your area. Please contact Medicare.gov, 1-800-MEDICARE, or your local State Health Insurance Assistance Program (SHIP) to get information on all of your options.

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Denver, CO

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