Jeffreys Healthcare Insurance Solutions

10/03/2026

As many of you have already heard, significant changes are coming for the 2027 plan year. Most UPMC for Life plans in Cambria County are being eliminated, with only a select few remaining—and qualification requirements mean many individuals will no longer be eligible for those remaining options.
Please note that these reductions are not limited to Cambria County. Several plans have also been removed across neighboring counties, including Somerset, Bedford, Blair, Westmoreland, and Indiana counties.
Additionally, some continuing plans may retain the same name as your current coverage, but you must actively submit a new application to prevent a lapse in your insurance.
Don't wait until the last minute to review your options. Call my office today at 814-242-3389 to schedule an appointment and discuss your coverage for 2027.

10/01/2026

For those of you in Cambria County, who are currently on UPMC for life Medicare advantage plans. You may have heard that for the calendar year 2027, the majority of their plans will be no longer available, simply meaning you will likely have to choose a different insurance plan. They will continue to have several plans in Cambria County that will be available, but only to very specific clients. If you’d like to learn more, and know what plan options are available to you, reach out to my office at 814–242–3389 to set an appointment today. An appointment will be necessary to be able to review your medications and doctors to be sure that whatever plan you choose will cover all of those.

09/28/2026

Understanding Your Medicare SAR Letter for 2027
If you are currently on a Medicare Advantage plan and receive an SAR (Service Area Reduction) letter in the mail, it means your plan will not be available next year.
Because multiple plans are leaving the market for 2027—with counties like Cambria and Somerset being especially hard hit—taking action during the upcoming Medicare Annual Enrollment Period is critical.
* Your Next Steps: You must switch to a new plan to maintain coverage.
* Finding the Right Fit: The best plan for you depends entirely on the doctors you see and the medications you take.
If you live in these affected areas, or if you have friends and family who do, you don’t have to navigate these changes alone. Reach out to my office today at 814-242-3389 to schedule an appointment and review your available options for 2027.

09/11/2026

Understanding Your Fall Medicare Mail

Every autumn, Medicare Advantage beneficiaries receive crucial updates regarding their coverage for the upcoming year. Reviewing these notices ensures you avoid unexpected costs or coverage gaps.
Annual Notice of Change (ANOC)
What it is: A document outlining modifications to your current Medicare Advantage plan for the next year.
What to look for: Changes to monthly premiums, doctor networks, prescription drug formularies, and copayments or coinsurance amounts.

Service Area Reduction (SAR)
What it is: A less common notice stating that your current Medicare Advantage plan will be discontinued entirely and will no longer be available in your area next year.
Your options: You must select a new plan. Receiving an SAR letter triggers a guaranteed issue right, allowing you to switch to Original Medicare and enroll in a Medicare Supplement (Medigap) plan without undergoing medical underwriting.
If you receive an SAR letter, contact my office immediately. We will review your situation, explore alternative Medicare Advantage plans, or help you transition smoothly to a Medicare Supplement policy for 2027.

09/08/2026

If you have not applied for PACE/PACENET  and you think you qualify, this is the time you should be doing this. If you have questions, please reach out.

09/08/2026

Medicare Annual Enrollment will be here soon. One thing that is guaranteed are some significant changes to plan availability and costs. While I am unable to go into specific details at this time, there are some general suggestions I can make to help you be in a position to deal with the changes that are coming. One thing for sure is you will want to reach out soon so that we can set up appointment times for after October 1 to go over the specific details and help get you the right plan.

07/17/2026

Great news!!!!!!

📢 If you or a loved one are 65 or older and need help paying for prescription medications, you may now qualify for PA’s PACENET program—even if you were turned down in the past! 💊✨
Pennsylvania just officially expanded the top income limits for PACENET, allowing thousands more older adults to qualify for massive prescription savings.
Here are the brand-new income limits (based on your prior year's gross income):
👉 Single Individuals: Raised from $33,500 to $45,000/year
👉 Married Couples (combined): Raised from $41,500 to $55,000/year
Why apply?
No Asset Test: Your savings, home, and car do not count against your eligibility. Only your income does!
Works with Medicare: PACENET wraps around Medicare Part D or other drug plans to lower your out-of-pocket costs at the pharmacy counter.
COLA Protection: A state moratorium ensures a small Social Security cost-of-living raise won't automatically push you out of the program.
Don't leave money on the table. Checking your eligibility is free and simple!

05/26/2026

Great advice. Sadly there are too many that are willing to provide poor information just to make a “sale”.

05/22/2026

05/15/2026