Fregia Health Insurance Services

10/13/2026

⏰ Did You Know? The Annual Enrollment Period is NOW OPEN — October 15 through December 7!

Even if you're happy with your current plan, it's worth checking. Premiums, copays, formularies, and provider networks can change from year to year. Review your coverage before Annual Enrollment ends — a quick check can make a real difference!

📞 Call us today for a FREE no-obligation consultation!
📞 936-755-3018 | 🌐 www.fregiains.com
Milton Fregia | Texas License #1858172 | Serving Southeast Texas & Surrounding Areas
Local Service. Personal Attention. Trusted Advice.

10/09/2026

🔔 **MEDICARE BENEFICIARIES — WATCH YOUR MAIL!**

If you're enrolled in a Medicare Advantage or Medicare Prescription Drug Plan, your **Annual Notice of Change (ANOC)** should arrive during **September**.

⚠️ **Don't throw it away!**

Your ANOC explains important changes to your plan for the upcoming year, including:

✅ Monthly premiums
✅ Copays and deductibles
✅ Prescription drug coverage
✅ Benefits and coverage
✅ Other changes taking effect January 1

Even if you're happy with your current plan, it's important to review your ANOC each year to make sure your coverage will continue to meet your needs.

**Have questions about your ANOC or changes to your Medicare plan?**

📞 Contact **Milton Fregia**
**Fregia Health Insurance Services**

I'll be glad to help you understand what's changing and review your Medicare options.

**Local Service. Personal Attention. Trusted Advice.**

10/06/2026

🔔 Did You Know? The Medicare Annual Enrollment Period (AEP) opens October 15!

This is your yearly window — October 15 through December 7 — to review your Medicare coverage, switch plans, or update your prescription drug coverage. Changes take effect January 1. Review your coverage before Annual Enrollment closes!

📞 Call us today for a FREE no-obligation consultation!
📞 936-755-3018 | 🌐 www.fregiains.com
Milton Fregia | Texas License #1858172 | Serving Southeast Texas & Surrounding Areas
Local Service. Personal Attention. Trusted Advice.

09/29/2026

🔔 Did You Know? Not all Medicare Advantage plans work the same way!

There are different plan types — like HMOs and PPOs — each with different rules about which doctors and hospitals you can use. With an HMO, you typically need a referral to see a specialist. With a PPO, you often have more flexibility. Confirming your doctors are in-network before enrolling is a critical step!

📞 Call us today for a FREE no-obligation consultation!
📞 936-755-3018 | 🌐 www.fregiains.com
Milton Fregia | Texas License #1858172 | Serving Southeast Texas & Surrounding Areas
Local Service. Personal Attention. Trusted Advice.

09/22/2026

❗ Did You Know? Original Medicare does NOT cover everything!

Routine dental care, vision exams, hearing aids, long-term custodial care, and most care outside the U.S. are generally not included. Knowing what's NOT covered is just as important as knowing what is — and it's the first step toward finding coverage that truly fits your needs.

📞 Call us today for a FREE no-obligation consultation!
📞 936-755-3018 | 🌐 www.fregiains.com
Milton Fregia | Texas License #1858172 | Serving Southeast Texas & Surrounding Areas
Local Service. Personal Attention. Trusted Advice.

09/15/2026

🔔 Did You Know? There are two main ways to get your Medicare coverage — Original Medicare (Parts A & B) and Medicare Advantage (Part C)!

Original Medicare lets you see any doctor who accepts Medicare nationwide. Medicare Advantage plans often work within a network and may include additional benefits. There's no one-size-fits-all answer — the best choice depends on your health needs, preferred doctors, and budget.

📞 Call us today for a FREE no-obligation consultation!
📞 936-755-3018 | 🌐 www.fregiains.com
Milton Fregia | Texas License #1858172 | Serving Southeast Texas & Surrounding Areas
Local Service. Personal Attention. Trusted Advice.

09/11/2026