Douma Insurance

09/29/2026

Time for Your Annual Medicare Check-Up! 🍂

With the Fall season underway, the Medicare Annual Enrollment Period (AEP) is right around the corner (October 15 – December 7).

As a local, independent agency, our goal at Douma Insurance is to make sure your Medicare coverage continues to support your health and budget into the new year. Whether you want to review prescription drug changes, check provider networks, or explore new plan options, we are here to walk you through it step-by-step.

📅 Appointments Fill Up Quickly!
To keep things simple and give every client our dedicated attention, we schedule annual reviews directly over the phone.

Give us a call today at [Insert Phone Number] to reserve your spot on our schedule!

09/10/2026

💊Medicare part D is ending?

No, Medicare Part D is not going away, but a temporary federal subsidy program that helps keep monthly premiums stable will end on January 1, 2027
-What Is Happening
The core benefit remains:
Your prescription drug coverage is staying in place.
The subsidy ends: The government is ending a temporary program called the Part D Premium Stabilization Demonstration.
Reason given: Federal officials state that insurance companies no longer need this extra financial support to price their plan.

-How It Affects You
Potential cost changes: Some people may see higher monthly premiums starting in 2027.
Expected increases: Officials estimate that many enrollees will see changes of less than $10 a month, though individual impacts vary by plan location.
Protected limits: Out-of-pocket spending caps and benefits introduced by previous drug laws remain fully active.

-What You Should Do
Watch your mail: Look for your Annual Notice of Change letter from your plan provider this fall.
Review your options: Compare your coverage and costs during the open enrollment period from October 15 through December 7.

09/02/2026

08/27/2026

Turning 65 Soon? Mark Your Calendar!

Your Initial Enrollment Period for Medicare starts 3 months before your 65th birthday month, includes your birthday month, and ends 3 months after. That gives you a 7-month window to make your choices!

Pro tip: Starting early helps avoid gaps in coverage and late enrollment penalties.

Call us today if you're approaching 65 and aren't sure where to start!

08/13/2026

Medicare can feel overwhelming- but you don't have to go through it alone!
Whether you are new to Medicare or want to make sure your current plan still fits your needs, We are here to help!
Free Consultation, no cost, no pressure, just clear Guidance from a local licensed agent!
Call 406-222-6931
Email: [email protected]

05/06/2026

Medicare can feel overwhelming- but you don't have to go through it alone!
Whether you are new to Medicare or want to make sure your current plan still fits your needs, We are here to help!

Free Consultation, no cost, no pressure, just clear Guidance from a local licensed agent!

Call 406-222-6931
Email: [email protected]

Providing comprehensive insurance plans for individuals, families, and businesses in Livingston, MT, and Southwest Montana since 1986.