The FITE Company, LLC

09/13/2025

✨ 📢📢Medicare Family & Friends 📢📢✨

📬 Your ANOC letters (Annual Notice of Change) for 2026 should be arriving in the mail soon! These letters explain all the updates to your current plan for next year.

👉 Why this matters: Plans can change benefits, costs, and networks — and what worked for you this year may not be the best fit in 2026.

💡 That’s where I come in! I’m offering complimentary plan reviews to help make sure you’re in the right plan going into the new year.

✅ No cost.
✅ No obligation.
✅ Just peace of mind knowing you’re covered.

📅 AEP (Annual Enrollment Period) starts soon — let’s get you ready!
📲 Send me a message today to schedule your review.

08/03/2025

Make sure you have something in place. Trust me, it’s not easy trying to grieve and figure out how funeral expenses will get paid.

07/01/2025

What’s the Difference Between Medicare & Medicaid?

⚖️ Medicare vs. Medicaid – Know the Difference

These two programs sound similar but they serve different purposes:

🧓 Medicare is:
✅ For people 65 and older
✅ Also for certain people with disabilities
✅ A federal program

💙 Medicaid is:
✅ Based on income and financial need
✅ For all ages
✅ A state and federal partnership

💡 Some people qualify for both — it’s called dual eligibility and can unlock more benefits!

📩 Want to know if you qualify for extra help or both programs? Message me today — I can help!

06/25/2025

Avoid Medicare Late Enrollment Penalties

⏰ Did You Know There Are Penalties for Enrolling Late?

Medicare has specific enrollment periods, and if you miss them, you could pay more — permanently.

🚫 Part B: Late enrollment penalty = higher monthly premium for life
🚫 Part D: Penalty for missing your initial drug coverage window
✅ Good news: If you qualify for certain programs or have creditable coverage, you may avoid penalties

💡 Tip: Enroll during your Initial Enrollment Period (IEP) — it starts 3 months before your 65th birthday.

📲 Know the deadlines. Protect your future.

06/24/2025

What Is Medicare Part D?

💊 Understanding Medicare Prescription Coverage (Part D)

Medicare Part D helps pay for prescription drugs you take at home.

✅ Covers generic & brand-name medications
✅ Offered through private insurance plans
✅ You must have Part A or B to enroll
✅ Monthly premiums, copays & deductibles may apply

💡Tip: If you don’t enroll when first eligible, you could face a late enrollment penalty later — even if you don’t take many prescriptions now.

📲 A little planning today can protect your wallet tomorrow.

06/23/2025

What Is Medicare Part C?

🌟 Understanding Medicare Advantage (Part C)

Medicare Part C (also called Medicare Advantage) is an all-in-one alternative to Original Medicare.

✅ Combines Part A (hospital) + Part B (medical)
✅ Often includes Part D (prescription drug coverage)
✅ May offer extra benefits like dental, vision, hearing, and gym memberships
✅ Offered by private insurance companies

💡Tip: You must be enrolled in both Part A and Part B to join a Part C plan!

📲 Want extra benefits? Medicare Advantage might be right for you.

06/22/2025

What Is Medicare Part B?

🩺 Let’s Talk About Medicare Part B

Medicare Part B helps cover:
✅ Doctor visits
✅ Outpatient care
✅ Lab tests & preventive services
✅ Some home health services
✅ Durable medical equipment (like walkers or oxygen)

🧾 Unlike Part A, most people pay a monthly premium for Part B.

💡Tip: You can delay Part B if you have other coverage, but make sure to understand the rules to avoid penalties later!

📲 Follow along to keep learning — Medicare doesn’t have to be confusing.

06/21/2025

Medicare Part A — What Does It Cover?

🏥 What Is Medicare Part A?

Medicare Part A helps cover:
✅ Inpatient hospital stays
✅ Skilled nursing facility care
✅ Hospice care
✅ Limited home health care

Most people don’t pay a premium for Part A if they or their spouse worked and paid Medicare taxes.

💡 Tip: Even if you don’t go to the hospital often, Part A is important for unexpected events.

📅 Follow us daily to break down each part of Medicare — one step at a time!

06/20/2025

What Are the Parts of Medicare?

🔍 Understanding the 4 Parts of Medicare

Medicare is made up of 4 parts:

🅰️ Part A – Hospital insurance (covers inpatient care)
🅱️ Part B – Medical insurance (covers doctor visits, outpatient care)
🌟 Part C – Medicare Advantage (offered by private companies)
💊 Part D – Prescription drug coverage

Not sure where to start? Don’t worry — we’ll explain each part over the next few days!

📅

06/19/2025

🧠 What Is Medicare?

Medicare is health insurance from the federal government for:
✅ People age 65 or older
✅ People under 65 with certain disabilities
✅ People with End-Stage Renal Disease (ESRD)

There are four parts to Medicare (A, B, C & D), and over the next few weeks, we’ll break them down one by one to help you feel confident and prepared.

🎉 Turning 65 soon? You may be eligible to sign up now to avoid late penalties!

👉 Stay tuned for more helpful tips leading up to Annual Enrollment!
📅

03/12/2025

📢🚨PARENTS!! GRANDPARENTS!! GET YOUR CHILDREN & GRANDCHILDREN COVERAGE!! GUARANTEED CASH VALUE GROWTH!! THIS IS SOMETHING THEY CAN USE LATER IN LIFE!🚨📢

Text or message me to discuss options!!📱📞☎️

12/18/2024