LinC Financial Group LLC

07/30/2026

Medicare part D is not going anywhere!

Stop treating the loss of the part D subsidy like the collapse of Medicare. There is a lot of panic right now about CMS ending the temporary part D premium demonstration. I am watching videos that are parroting one another in fear that carriers are either leaving Medicare or that part D is over! The subsidy was roughly $10 pm/pm. This removal does not mean that the lowest priced drug plans are going to jump to $80 or $100 per month. That conclusion is too far out of reality. The federal government still has a national direct subsidy for part D at roughly $255 pm/pm. That is NOT going away.

The $10 subsidy was an additional, (key word) TEMPORARY layer of assistance, placed on top of the normal Part D financing system. CMS is still subsidizing the overwhelming majority of the basic Part D benefit. The federal government did not suddenly walk away from Part D. It removed a temporary stabilizer that was never intended to last forever.

Will some premiums increase? Absolutely.
Will some carriers tighten formularies? Yep
Will some carriers adjust pharmacy networks? Yes
Will some carriers consolidate plans or become less aggressive with artificially low premiums? Probably.

But that is very different from saying the lowest premium plans will suddenly cost hundreds of dollars per month. Part D is still a competitive market. Carriers know that beneficiaries and agents compare premiums aggressively. A carrier cannot casually increase a low cost plan by $60 or $80 and expect enrollment to remain unchanged. Carriers still want to win this market.

Someone will still want the low premium member.
Someone will still design a plan around generic users, preferred pharmacies and tighter formularies.
Someone will still compete for market share.

The bigger issue is not the loss of one $10 payment but carriers are now being forced to price the true cost of the redesigned Part D benefit without it. That may mean fewer plans priced at almost nothing. It may mean more separation between inexpensive plans and richer plans. It may also mean agents must pay even more attention to formularies instead of simply sorting plans by premium.

But everyone needs to stop confusing normalization with absolute destruction. A $10 temporary subsidy ending does not automatically create a $100 monthly premium. It will create pressure and how each carrier responds to that will depend on its membership, drug utilization, contracts, formulary strategy and appetite for growth.

The part D market is changing, but it is not disappearing. The people who should be paying attention are those who assume their current plan will remain the best plan for them without reviewing it. Do not panic over the subsidy ending. Prepare for greater variation, sharper competition and a much more important AEP.

08/01/2025

07/24/2025

For the past 20 years, I have dedicated myself to guiding individuals through the complexities of Medicare. I don’t see myself as a salesperson; rather, I view my role as a trusted advisor committed to empowering clients to make informed, significant decisions. While many in this industry prioritize sheer numbers and aggressive marketing, I believe in a different approach—one rooted in genuine care and clear communication. In this industry there are double standards, I am not allowed to call people to bring in business. But yet there are tons of calls being made. Please remember, Social Security and Medicare will not call you unless you have arranged for them to call you back.

In a landscape where flashy advertisements often bewilder clients and lead them to make hasty choices, I strive to stand apart. My mission is to ensure that my clients receive the education they deserve while remaining accessible to support them every step of the way. I am devoted to doing what’s right for my clients, and I will continue to be their steadfast ally in navigating Medicare.

07/24/2025

https://www.facebook.com/share/v/16e1STRTtT/

07/16/2025

Medicare dot gov logo
A message from Dr. Oz on the latest scam
Beware of scammers, sometimes posing as salespeople, offering "free" services or gifts. They may be trying to trick you into signing up for hospice care without your knowledge.

Here's how it works:

Scammers text, call, email, post fake ads, or even knock on your door.

They offer "free" gifts or in-home perks, like cooking or cleaning services, protein shakes, medical equipment, or groceries.

In exchange, they may ask for your Medicare Number and ask you to sign a paper.

They're tricking you into signing up for hospice care, so they can fraudulently bill Medicare for services in your name.

Remember: Never give out your Medicare Number and don't sign anything for free services — it's a scam.

Crush Fraud
If you think you may have experienced fraud, call 1-800-MEDICARE (1-800-633-4227) or report it online at Medicare.gov/fraud.

Sincerely,

The Medicare Team

NOTE: Hospice care is for people who are terminally ill — and is a serious decision to be made only between you and your doctor.

You can update your preferences or unsubscribe to stop receiving emails from Medicare.

USA Department of Health and Human Services
This message is paid for by the U.S. Department of Health and Human Services. It was created and distributed by the Centers for Medicare & Medicaid Services. You're receiving this message because you signed up for email updates from the Medicare Team.

Please contact [email protected] if you have questions or problems with your subscriptions.

Medicare fraud and abuse can happen anywhere, and usually results in higher health care costs and taxes for everyone.

07/15/2025

07/15/2025

07/15/2025

It will important to do reviews this coming season

Here’s everything you need to know about the end of VBID and supplemental benefits for Medicare Advantage enrollees

07/15/2025

Medicare late enrollment penalties for Medicare Part A, Part B and Part D can catch some people unawares. Learn what you need to know to avoid them in this blog.