Pelican Benefits Group

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Pelican Benefits Group Your local safeguard for personalized guidance through life, health, and retirement, no matter your age. We understand that every client is unique.

Our mission is to simplify the process and bring you clarity, helping you protect what matters most with personalized support every step of the way. Pelican Benefits Group is an independent agency specializing in Medicare, Health and Life Insurance, and Supplemental Policies. We are contracted with top carriers, allowing us to tailor appropriate coverage to your lifestyle and budget. Everything we do at Pelican Benefits Group is designed around our clients. No matter what your preference of communication, we are here to assist. By using leading edge technology, we design plans with a focus on protecting your future. Naturally, we want to make it easy for you to compare and understand your life, health, retirement, and supplemental options. Our goal is to give personalized insurance advice aimed at helping our clients make better-informed decisions. Securing your future is our top priority.

AEP is officially OPEN! 🎉And before we spend the next several weeks talking about plans, prescriptions, doctors, benefit...
10/15/2026

AEP is officially OPEN! 🎉

And before we spend the next several weeks talking about plans, prescriptions, doctors, benefits, and all the other Medicare things, here's what I want my clients to know first:

You don't have to figure this out by yourself.

You're going to see commercials.
You're going to get mail.
Your neighbor is probably going to tell you how much they LOVE their plan.

And someone on Facebook will inevitably announce that they've found the “best” Medicare plan. 😂

But none of those people know your doctors.
They don't know which prescriptions you take.
They don't know what you can comfortably afford if you need a lot of healthcare next year.
And they don't know which benefits actually matter to you.

That's why we're going to look at your situation before deciding whether anything needs to change for 2027.

Maybe we find an option that works better for you.
Maybe we look at everything and decide your current coverage still makes sense.

Either way, the goal isn't to change your plan just because it's AEP.

It's to make sure you understand what you have and feel good about your decision for next year.

So if Medicare starts feeling especially LOUD over the next few weeks, remember:

You don't have to sort through all of it alone.

Send me a message if you're ready to start your 2027 review.

We do not offer every plan available in your area. Currently we represent 8 organizations which offer 62 products in your area. Please contact Medicare.gov or 1-800-MEDICARE to get information on all of your options.

AEP starts tomorrow.And just in case you needed someone to say it:You do NOT have to pick a Medicare plan tomorrow. 🙌Oct...
10/14/2026

AEP starts tomorrow.

And just in case you needed someone to say it:
You do NOT have to pick a Medicare plan tomorrow. 🙌

October 15 is the day Annual Enrollment Period opens, not the day you need to have everything figured out.

You have until December 7.

So if you're already feeling like you need to hurry up, compare everything, make a decision, and check Medicare off your list...
Please don't.

I'd much rather you take the time to look at your doctors, prescriptions, pharmacy, costs, and the benefits you actually use than rush into a decision because AEP officially started.

There IS a deadline.

But there's also time to ask questions, understand your options, and make a decision based on what actually works for you.

So tomorrow, we're not panicking. 😂

We're just getting started.

And if you're already staring at all of your 2027 Medicare information thinking, “Okay...now what?” send me a message. We'll figure out your next step together.


We do not offer every plan available in your area. Currently we represent 8 organizations which offer 62 products in your area. Please contact Medicare.gov or 1-800-MEDICARE to get information on all of your options.

You may have seen this number floating around for 2027:$41.33. And if you thought, “Oh! So that's what my Medicare drug ...
10/14/2026

You may have seen this number floating around for 2027:
$41.33.

And if you thought, “Oh! So that's what my Medicare drug plan is going to cost next year?”

Not quite. 🙃

$41.33 is the 2027 Part D base beneficiary premium.

It's a number Medicare uses as part of the calculation behind Part D premiums, but it is NOT the price tag for every Medicare drug plan.

Your actual premium will depend on the specific plan you're enrolled in.

Which is why I don't want you making decisions based on one Medicare number you saw in a headline, a Facebook post, or somewhere else online.

What matters is what YOUR specific coverage will cost for 2027 and how that coverage works with the prescriptions you actually take.

So if you've seen $41.33 and were wondering what the heck it means for you, send me a message.

I'll help you look at the numbers that actually matter for YOUR coverage.


We do not offer every plan available in your area. Currently we represent 8 organizations which offer 62 products in your area. Please contact Medicare.gov or 1-800-MEDICARE to get information on all of your options.

You found your medication on the drug list. 🙌Now I want you to look for three more things:Prior authorization.The plan m...
10/13/2026

You found your medication on the drug list. 🙌

Now I want you to look for three more things:

Prior authorization.
The plan may require approval before it covers the medication.

Step therapy.
You may need to try a different medication first before the plan covers the one your doctor prescribed.

Quantity limits.
The plan may limit how much of the medication it covers within a certain period of time.

Why does any of this matter?

Because seeing your medication on the formulary doesn't necessarily mean you'll walk into the pharmacy in January and pick it up without any extra steps.

And THAT is something I'd much rather know before you choose your coverage than when you're standing at the pharmacy counter wondering why your prescription isn't ready. 😬

These are exactly the kinds of little details that are easy to miss when you're comparing plans, so I included them in my 2027 Medicare Plan Review Checklist.

Comment CHECKLIST and I'll send you a copy so you know what to look for when reviewing your prescriptions for next year.

We do not offer every plan available in your area. Currently we represent 8 organizations which offer 62 products in your area. Please contact Medicare.gov or 1-800-MEDICARE to get information on all of your options.

There's a change happening behind the scenes with Medicare Part D for 2027 that I think is worth paying attention to.For...
10/10/2026

There's a change happening behind the scenes with Medicare Part D for 2027 that I think is worth paying attention to.
For the past couple of years, Medicare has had a temporary program designed to help stabilize premiums for participating standalone Part D prescription drug plans while some pretty big changes were happening to Part D.

For 2027, that program is ending.

So does that automatically mean your drug plan premium is going through the roof?

No.

But it DOES mean I don't want you assuming that what you paid for your standalone drug plan this year tells us what you'll pay next year.

Your specific plan, premium, prescriptions, and pharmacy all deserve another look when we're comparing your 2027 options.

And this is exactly why I pay attention to Medicare changes that most people probably don't want to spend their Tuesday night reading about. 😂

You don't need to follow every CMS announcement.

That's my job.

If you have a standalone Part D plan and want help figuring out what YOUR coverage looks like for 2027, send me a message.


We do not offer every plan available in your area. Currently we represent 8 organizations which offer 62 products in your area. Please contact Medicare.gov or 1-800-MEDICARE to get information on all of your options.

Before we compare a single Medicare plan for 2027, I want five things on the table.Literally, if we're meeting in person...
10/09/2026

Before we compare a single Medicare plan for 2027, I want five things on the table.

Literally, if we're meeting in person. 😂

1. Your prescription list
Names, dosages, and how often you take them.

2. Your doctors and specialists
Especially the ones you absolutely do NOT want to give up.

3. Your preferred pharmacy
Because where you fill your prescriptions can affect what you pay.

4. Your current plan information
We need to know what you have now before we can decide whether something else actually works better for you.

5. Your ANOC
This shows us what's changing with your current coverage for 2027.

Why do I want all of that before we start looking at plans?

Because we're not trying to find the plan with the longest list of benefits or the prettiest brochure.

We're trying to figure out what makes sense for your actual life and healthcare needs.

And the more we know before we start comparing, the better questions we can ask.

I made this part easy for you. 🙌

My 2027 Medicare Plan Review Checklist has a list of what to gather before your review, plus the things we'll want to check while comparing your options.

Comment CHECKLIST and I'll send you a copy.


We do not offer every plan available in your area. Currently we represent 8 organizations which offer 62 products in your area. Please contact Medicare.gov or 1-800-MEDICARE to get information on all of your options.

There's another Medicare number changing for 2027 that hasn't gotten nearly as much attention: $700.That's the standard ...
10/08/2026

There's another Medicare number changing for 2027 that hasn't gotten nearly as much attention: $700.

That's the standard Part D deductible for 2027, up from $615 in 2026.

But before you see that number and think, “Great. So I'm paying $700 before my prescriptions are covered?” 😳

Not necessarily.

Not every Part D plan applies the full standard deductible, and some plans may have a lower deductible or apply it differently depending on the drug tier.

Which is exactly why knowing the national number isn't enough.



We do not offer every plan available in your area. Currently we represent 8 organizations which offer 62 products in your area. Please contact Medicare.gov or 1-800-MEDICARE to get information on all of your options.

Same prescription. Same dosage. Same insurance plan.Different pharmacy.Different price. 😳Yep. That can happen.Depending ...
10/08/2026

Same prescription. Same dosage. Same insurance plan.

Different pharmacy.
Different price. 😳

Yep. That can happen.

Depending on your Medicare drug coverage, some pharmacies may be considered preferred while others are simply in-network.

And that little difference can affect what you pay for your prescriptions.

Which means checking that your medication is covered is only part of the job.

We also want to look at where you're filling it.

Because if you've been going to the same pharmacy for 12 years because they know your name and have your prescription ready before you even get out of the car...I get it.

But I still want to know what that convenience could cost you compared with your other options.

That's why your preferred pharmacy is one of the things I ask about when we're reviewing your coverage.

And it's included in my 2027 Medicare Plan Review Checklist, along with the other prescription details we'll want to check for next year.

Comment CHECKLIST and I'll send you a copy.

We do not offer every plan available in your area. Currently we represent 8 organizations which offer 62 products in your area. Please contact Medicare.gov or 1-800-MEDICARE to get information on all of your options.

“My prescription is covered, so I'm good...right?”Maybe. But I have a few more questions. 🙋🏼‍♀️Seeing your medication on...
10/03/2026

“My prescription is covered, so I'm good...right?”

Maybe. But I have a few more questions. 🙋🏼‍♀️

Seeing your medication on a plan's drug list is a great start, but it doesn't tell you everything you need to know.

What tier is it on?
What will you actually pay for it?
Does the plan require prior authorization before it will cover it?
Is there step therapy, meaning you may need to try another medication first?
Is there a quantity limit on how much the plan will cover at one time?
And could filling that exact same prescription at a different pharmacy change what you pay?

THAT'S why we don't just search for the name of your medication, see a little checkmark, and call it a day.

The details can affect both your wallet and how easy it is to actually get the medication you need.

I included all of these things in my 2027 Medicare Plan Review Checklist so you know what to look for when you're reviewing your prescriptions for next year.

Comment CHECKLIST and I'll send you a copy.

#
We do not offer every plan available in your area. Currently we represent 8 organizations which offer 62 products in your area. Please contact Medicare.gov or 1-800-MEDICARE to get information on all of your options.

Your ANOC showed up.Before you file it away in the very official “I'll deal with this later” pile 😂, there are three thi...
10/02/2026

Your ANOC showed up.

Before you file it away in the very official “I'll deal with this later” pile 😂, there are three things I want you to look at.

1. What you'll pay.
Look for changes to your premium, deductible, copays, and other out-of-pocket costs. Even a change that looks small can matter if it's attached to care you use regularly.

2. Your benefits.
Check whether benefits you actually use are changing for 2027. Don't get distracted by everything the plan offers. Pay attention to what matters to YOU.

3. Your prescription coverage.
Look for changes to the drug coverage information included with your plan materials. A medication being covered this year doesn't automatically tell you how it'll be covered next year.

You don't need to memorize your ANOC or understand every line of it.

But you DO want to know what's changing before you decide whether your current coverage still works for you in 2027.

And if you get to page two and your eyes have already glazed over, send me a message.

I'll help you figure out which changes actually matter for you.


We do not offer every plan available in your area. Currently we represent 8 organizations which offer 62 products in your area. Please contact Medicare.gov or 1-800-MEDICARE to get information on all of your options.

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Houma, LA
70360

Telephone

+19857907755

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