Craig Morrison - Financial Guidance Counselor

08/30/2026

📬 Your Medicare Annual Notice of Change is Coming

If you have a Medicare Advantage or Medicare Part D prescription drug plan, watch your mailbox in September.

Your plan should send you an Annual Notice of Change (ANOC) by September 30.

This important document explains changes to your plan that take effect January 1, 2027, which may include:

• Monthly premiums
• Deductibles and copayments
• Prescription drug costs and formulary changes
• Provider and pharmacy networks
• Covered benefits and services
• Other plan rules and cost-sharing changes

Don’t just file it away.

Take a few minutes to review your ANOC and ask yourself:

“Will this plan still work well for me in 2027?”

Even if you’ve been happy with your plan this year, your healthcare needs, prescriptions, doctors, pharmacies, and the plan itself can change.

The Medicare Annual Enrollment Period runs October 15–December 7. Changes made during AEP generally take effect January 1.

If you’d like another set of eyes on your 2027 Medicare options, I’m available to sit down with you for a no-obligation Medicare plan review.

📞 Craig Morrison
FL License D028762
National Producer #3207650
Medicare Insurance Agent
352-317-8992
[email protected]

My goal isn’t to put everyone into a new plan.

It’s to help you understand your options so you can make an informed decision.

This is educational information and is not affiliated with or endorsed by Medicare or the federal government.

07/15/2026

🍹 Join us tomorrow at McAlister's Deli for Free Tea Day!

🎙️ Brett Douglas will be broadcasting live from 11 AM to 1 PM.

📍 Located by the Oaks Mall:
618 NW 60th St, Ste C
Gainesville, FL 32607

McAlister’s Deli is known for its delicious tea, so don’t miss out! Free Tea Day lasts all day on July 16! 😋

07/13/2026

OK, I confess. I was not always a fan of Aldi. Sue consistently reminded me of the savings we consistently experienced, but it was a different experience.

Loaning $.25 to them while I shopped to get a cart (and return it*), bagging my own groceries and what I still consider the impersonal robotic like personalities of the employees. Hey, let’s face it. I grew up on Publix - where shopping is a pleasure.

In the next few weeks, I hope to share the benefits you can use to make Aldi your new way of life for grocery shopping.

Benefit #1
Although Aldi does not accept competitor or manufacturer’s coupons, using free apps like Fetch, Coin Out, Receipt Pal and Receipt Hog allow you to scan your receipt and accumulate a balance that you can convert to cash or gift cards.

This habit will not make you rich, but you can scan each receipt on all 4 platforms.

My average savings has been about $150 per year on each of the 4 platforms.

Word to the wise .. take the time to scan your receipts when you bring your groceries home and re-stock your shelves. These platforms have a specified time (in days) that they will honor your receipts.

I hope this tip will bring you much success.

Here are the links to add 3 out of the 4 apps I mentioned above:

Fetch
Sign up with this link and you will receive a bonus.
https://referral.fetch.com/vvv3/referralqr?code=AE6FP

Coin Out
https://coinout.com/pages/refer_earn?id=JW2X7J9

Receipt Hog
Download and enter code kok97761 to earn a special bonus when you upload your first receipt. https://app.receipthog.com/r/kok97761

These platforms accept receipts from ALL vendors, not just Aldi. They also accept e-receipts that bypass the need to scan a physical receipt.

https://info.aldi.us/stores

06/29/2026

Are you looking for a specialty coffee vendor for your next indoor or outdoor event in Central Florida?

Private parties or community gatherings.

Contact Jose at jose.coffee to learn more.

06/23/2026

If you are looking for an authentic, unfiltered, tell-it-like it is perspective of life in The Villages, tune into the YouTube LIVE broadcast of Porch Sittin Wednesdays, from Noonish to 2pm (EDT).

Skip & Sue Smith are the ORIGINAL & GOAT YouTube content creators when it comes to living in “America’s Friendliest Hometown”.

Our Life Here -- Q&A

06/22/2026

06/21/2026

Still Working at 65? You May Be Able to Delay Medicare Part B Without a Penalty.

Many people assume they must enroll in Medicare Part B the moment they turn 65. That’s not always true.

If you are still actively employed and covered under a qualified group health plan through your employer (or your spouse’s employer), you may be able to defer Medicare Part B and avoid paying the monthly Part B premium until you actually need it.

Generally, you may delay Part B if:

✅ You are age 65 or older
✅ You are actively working (not retired) OR covered by your spouse’s active employer plan
✅ The employer group health plan is considered creditable and primary to Medicare
✅ The employer has 20 or more employees (special rules may apply for smaller employers)

Why would someone delay Part B?

* Avoid paying the monthly Part B premium while employer coverage remains in place.
* Keep your existing doctors and benefits through your employer plan.
* Enroll in Part B later during a Special Enrollment Period without a late enrollment penalty if you qualify.

Important Cautions

⚠️ COBRA is generally not the same as active employer coverage for delaying Part B.

⚠️ Retiree coverage usually does not protect you from the Part B late enrollment penalty.

⚠️ Employer size matters. If your employer has fewer than 20 employees, Medicare may become your primary insurance at age 65.

What Happens When You Retire?

When your employment or employer coverage ends, you typically have a limited time to enroll in Medicare Part B using a Special Enrollment Period. Missing this window could result in:

• A lifetime late enrollment penalty
• Delays in coverage
• Gaps in healthcare protection

Every situation is different, and getting this decision right can save thousands of dollars and prevent costly mistakes.

If you or someone you know is approaching age 65 and still working, now is the time to understand your options.

06/18/2026

Avoid late enrollment penalties
It’s important to sign up for Medicare coverage during your Initial Enrollment Period, unless you have other coverage that’s similar in value to Medicare (like from an employer).

If you don’t, you may have to pay an extra amount, called a late enrollment penalty.

Late enrollment penalties:

Are added to your monthly premium.

Are not a one-time late fee.

Are usually charged for as long as you have that type of coverage (for most people, that’s a lifetime penalty).

Go up the longer you wait to sign up – they’re based on how long you go without coverage similar to Medicare.

Direct Primary Care practices and Medical Cost Sharing (Medishare, Sedera, Christian Healthcare Ministries, Samaritan
Ministries, Liberty Healthshare, et al) arrangements are NOT considered qualifying insurance to defer your Medicare Part B enrollment without penalty.

Example:

If you waited 2 full years (24 months) to sign up for Part B and didn’t qualify for a Special Enrollment Period, you’ll have to pay a 20% late enrollment penalty (10% for each full 12-month period that you could have signed up), plus the standard Part B monthly premium ($202.90 in 2026).

2026 Calculation:

$202.90 (2026 Part B standard premium)
+ $40.58 (20% [of $202.90] late enrollment penalty)

$243.48

$243.50 will be your Part B monthly premium for 2026. This amount ($243.48) is rounded to the nearest $.10 and includes the late enrollment penalty.

04/06/2026

The State of Florida typically sees ~16,000 to 18,000 unforeseen accidental deaths annually.

What counts as “unforeseen accidents”?

These typically include:
• Motor vehicle crashes
• Falls
• Drug overdoses
• Drowning
• Workplace accidents

These figures fo NOT take into account deaths associated with natural causes.

If you would like discuss protecting your family in beating these odds, I may be reached at 352-317-8992.