Rock Castle Insurance Group

08/03/2026

🦷 A wise dentist once said: "You only have to take care of the teeth you want to keep." Dental care matters for more than just your smile. It's essential to your overall health.

Here's something a lot of people don't realize: most health insurance and Medicare plans don't include routine dental coverage, or they cover very little. A standalone dental plan can make preventive care like exams, cleanings, and x-rays more affordable, and depending on the plan, it may also help with fillings, crowns, root canals, dentures, and more. There are a few types to choose from, so the right fit depends on your budget and the care you expect to need.

Been meaning to look into dental coverage? We're happy to help you compare options or start a quote. Just reach out.

07/16/2026

Many people are surprised to learn that cleanings, fillings, dentures, and most dental work aren't included in Original Medicare. And while some Medicare Advantage plans offer dental benefits, the coverage is often limited. That can leave a real coverage gap, right when good dental care matters most for your health.

A standalone dental plan can help. It can make preventive visits like exams, cleanings, and x-rays more affordable, and depending on the plan, help with fillings, crowns, root canals, dentures, or implants. If you're on Medicare and have been wondering how to handle dental costs, we'd be glad to help you compare options or start a quote. Just reach out.

07/14/2026

Scammers Are Targeting Grandparents

Watch out for "grandparent scams.” These schemes target older adults with urgent phone calls trying to trick them into sending money. Learn how to spot them!

07/13/2026

Turning 65 can bring a lot of questions—especially when Medicare and retirement decisions start overlapping.

Rock Castle Insurance Group is here to help you understand your options, important timelines, and the next steps ahead. Request information today and start planning with greater confidence.

07/09/2026

Medicare’s New Bridge Program for GLP-1s

Starting July 2026, Medicare's new GLP-1 Bridge program may cover Wegovy, Zepbound, and Foundayo for weight loss at a $50 monthly copay. Here's what to know.

07/08/2026

In Medicare, creditable coverage means your existing prescription drug coverage is expected to pay, on average, at least as much as Medicare’s standard Part D coverage.

Why it matters:
If you have creditable drug coverage and delay enrolling in Part D, you can usually avoid a late enrollment penalty later.

Employers or other plans outside of Medicare are required to notify you each year whether your coverage is creditable.

07/07/2026

Scratching your head over these similar-sounding health accounts? Here’s a quick guide to help you understand which one might be right for you 👇

HRA (Health Reimbursement Arrangement)
- Funded by your employer
- You can’t contribute, but it helps cover your medical costs
👉 Why it’s great: It’s free money toward your healthcare if your employer offers it. You don’t need to do anything except use it wisely.

HSA (Health Savings Account)
- You must be enrolled in a high-deductible health plan (HDHP)
- You can contribute pre-tax money—and your employer might, too
- The money rolls over each year and is yours forever
👉 Why it’s great: Triple tax benefits (tax-free going in, growing, and coming out), plus it works like a retirement account for medical expenses.

FSA (Flexible Spending Account)
- Funded by you with pre-tax dollars
- Great for everyday healthcare costs—like copays, prescriptions, and even some over-the-counter stuff
❗ Use it or lose it by year-end (in most cases)
👉 Why it’s great: It lowers your taxable income and helps you budget for known expenses—think of it as a health coupon fund!

Bottom line:
All 3 accounts help you save on medical costs and reduce your tax bill. Understanding how they work differently can save you serious money and stress!

07/02/2026

🚨 New Medicare Program Launches Today

Beginning July 1, CMS has launched the Medicare GLP-1 Bridge Program, a temporary program that may help eligible Medicare beneficiaries access certain GLP-1 weight-loss medications for $50 per month through December 31, 2027. (CMS)

It’s important to know that:
✅ Not everyone with Medicare qualifies.
✅ Eligibility depends on specific medical criteria.
✅ A healthcare provider must submit a prior authorization.
✅ The program operates separately from your regular Medicare Part D prescription drug plan. (CMS)

If you’ve heard about medications like Wegovy® or Zepbound® and are wondering whether this new program may apply to you, now is a good time to talk with your physician and learn more.

For official information from CMS, visit:
https://www.cms.gov/medicare/coverage/prescription-drug-coverage/medicare-glp-1-bridge

As Medicare continues to evolve, we’ll continue sharing important updates to help you stay informed.

Shelter Your Retirement at the Rock.

Centers for Medicare & Medicaid Services (CMS) announced the Better Approaches to Lifestyle and Nutrition for Comprehensive hEalth (BALANCE) Model and a separate short-term demonstration (now called the “Medicare GLP-1 Bridge”)

06/23/2026

One of the most rewarding parts of what we do is helping people feel less overwhelmed.

Medicare can be confusing. Between commercials, mail, phone calls, and changing healthcare information, it’s easy to feel like you’re hearing something different from every direction.

Our goal is simple: help people understand their options and make informed decisions with confidence.

Thank you to the clients, families, and community members who continue to trust us with those conversations.

06/05/2026

Many people think Medicare decisions only happen during the Annual Enrollment Period, but staying informed year-round can make a significant difference.

Summer is a great time to review your current coverage, ask questions, and prepare for future healthcare needs before enrollment season arrives. A little planning now can help make future decisions much easier.

Whether you’re already enrolled in Medicare or approaching eligibility, understanding your options and reviewing your coverage regularly can help you feel more confident about your healthcare choices.

If you have questions about your Medicare coverage, we’re always happy to help point you in the right direction.