Capricorn Insurance Agency, LLC

05/05/2026

Find out if you can delay enrolling in Medicare
You may be able to delay enrolling in Medicare Part B, or both Parts A & B, and postpone paying Medicare costs if you either (1) are going to work past 65 and have creditable employer coverage, or (2) you have creditable coverage through a spouse’s employer.

In either of these situations, you may qualify to delay. You’ll need to check with the employer’s benefits administrator to find out all of your options.

Keep in mind that there is a penalty for late enrollment for Part B and Part D unless you qualify for a Special Enrollment Period when your employer coverage ends.

05/05/2026

☎ 573-207-8178 - Call Laura Peretic 😊

05/01/2026

04/29/2026

Special note about automatic Medicare enrollment
You are automatically enrolled in only Part A and Part B at age 65; if you are receiving Social Security or Railroad Retirement Board benefits. You still will want to use your IEP to make further coverage choices such as for a Medicare Advantage (Part C) or Part D prescription drug plan.

If you’re not receiving these benefits, you will need to sign up for Medicare yourself online, in-person, on the phone or at your local Social Security office.

04/27/2026

Find out your Medicare Initial Enrollment Period dates
You have a set time period when you can first sign up for Medicare (unless you qualify to delay). It’s called your Initial Enrollment Period and lasts 7 months. Your Medicare Initial Enrollment Period (IEP) is based on your 65th birthday and includes the below.

The 3 months before your 65th birthday month
The month you turn 65
The 3 months after

04/22/2026

💜🌏🌱 Happy Earth Day 2026 🌱🌏💜

04/03/2026

Try out these fun Easter games and activities with your grandkids and let us know which are your favorite.

We have ideas for adapting these Easter games and activities for those long distance grandchildren or grandchildren who live close by.

03/25/2026

Positive affirmations are a longstanding practice for those of us who need a little extra daily encouragement, and the best part is—they’re free and they’re flexible!

Want a mood boost in the morning? Or are you navigating self-doubt or anxiety? These positive morning affirmations can help support you on your journey.

03/24/2026

People with higher incomes may have to pay more for their Medicare Part B and Part D monthly premiums. This is called the Income-Related Monthly Adjusted Amount, or IRMAA.

The Income-Related Monthly Adjusted Amount, or IRMAA, is a higher rate some high earners may have to pay for . This rate can affect your Part B and Part D premiums. Find out if IRMAA impacts you.👇

03/20/2026

🌷Happy Spring 🌷