Protection Benefit Solutions

Protection Benefit Solutions As an independent insurance agency, we specialize in providing solutions to your Medicare needs. We Our Mission To Succeed Starts With You.

Like Superheros, We Bring Safety & Peace Of Mind To The Medicare Universe! Protection Benefit Solutions begin in 2004 with only one mission in mind. To provide the PROTECTION of people's hard-earned assets through well-thought-out designed insurance policies. We also know that not just one type of policy fits all walks of life. That is why we have partnered up with the top insurance companies allo

wing us to provide great BENEFITS. Most importantly, we provide SOLUTIONS that will meet your needs and your budget. Give us a call at 800.811.3387 or visit our website. www.ProtectionBenefitSolutions.com to learn more.

As you may know, it’s almost time for Medicare’s annual enrollment period (AEP), a key opportunity to alter your Medicar...
09/01/2026

As you may know, it’s almost time for Medicare’s annual enrollment period (AEP), a key opportunity to alter your Medicare health and prescription drug plans for the upcoming year. The Medicare AEP runs from October 15th to December 7th every year, making now a potentially advantageous time to review your current coverage and plan ahead for any changes next year.

Thinking about this now, before the period opens, can make the process easier and give you enough time to compare options and make an informed decision about your care. Swipe for a few areas to revisit as you prepare for the beginning of the AEP.

A little preparation now can make the process simpler and help you choose coverage that fits your needs. That said, if you’d like to go over your current plan, feel free to reach out. We are always here to help you carefully assess your needs so you can make an informed decision.

If you’re turning 65 soon and are unsure about what it means to enroll in Medicare, you are not alone. One of the most c...
08/31/2026

If you’re turning 65 soon and are unsure about what it means to enroll in Medicare, you are not alone. One of the most common questions we hear from those nearing retirement is around the timeline for signing up for Medicare.

So, we wanted to share a few important reminders to help you stay on track:

✅Know your enrollment window. Your initial enrollment window lasts for seven months — three months before your 65th birthday, your birthday month, and three months after your birthday. Enrolling early in this timeframe can help ensure your coverage begins right when you need it.

✅Understand how to sign up. Some individuals are automatically enrolled in Original Medicare, while others need to take action themselves to enroll in Original Medicare. This often depends on whether you are already receiving Social Security benefits.

✅Do not delay without a plan. Waiting too long to enroll without qualifying coverage can result in delayed coverage start dates and ongoing late-enrollment penalties.

✅Be aware of other options. If you are still working and covered under an employer plan, you may qualify for a Special Enrollment Period that can allow you to defer your enrollment. However, missing all enrollment windows can limit your options and increase costs, so it's best to clarify this early.

Medicare decisions can feel overwhelming, but you do not have to navigate them alone. Whether you are approaching 65 or are simply evaluating your options, contact us for guidance tailored to your situation.

Your Medicare coverage should not be something you only think about once a year. Certain life changes, plan questions, o...
08/28/2026

Your Medicare coverage should not be something you only think about once a year. Certain life changes, plan questions, or coverage issues are good reasons to reach out sooner to avoid surprises and make sure your plan still fits your needs.

Swipe to see when it is a good time to call your Medicare agent.

The best time to call your Medicare agent is before a small question becomes a bigger coverage problem. If you need help reviewing your plan, preparing for enrollment, or understanding a recent life change, contact our office.

Understanding Medicare Savings Programs can make a meaningful difference in managing your health care costs. Swipe for a...
08/25/2026

Understanding Medicare Savings Programs can make a meaningful difference in managing your health care costs. Swipe for an overview of how these programs work and what they may cover.

If you have questions about Medicare Savings Programs or want help determining your eligibility, contact our team today. We are here to help you navigate your options with confidence.

The 2026 National Health Care Fraud Takedown resulted in charges against 455 defendants, including 90 doctors and other ...
08/22/2026

The 2026 National Health Care Fraud Takedown resulted in charges against 455 defendants, including 90 doctors and other licensed medical professionals, for their alleged participation in health care fraud and opioid abuse schemes involving over $6.5 billion in false claims and significant patient harm, including death. Cutting-edge data analytics targeted the worst actors. The actions included the Centers for Medicare & Medicaid Services (CMS) suspending 1,079 providers and revoking billing privileges for 1,403 providers. Areas prosecuted included wound care, hospice, cardiovascular testing and treatment, urinary catheters, durable medical equipment (DME), and opioids. Read a story from USA Today and the Department of Justice. https://www.justice.gov/opa/pr/national-health-care-fraud-takedown-results-455-defendants-charged-connection-over-65

Courtesy of the Inflation Reduction Act, Medicare now has the power to negotiate drug prices, leading to significant red...
08/21/2026

Courtesy of the Inflation Reduction Act, Medicare now has the power to negotiate drug prices, leading to significant reductions on some of the most expensive medications.

Read on for a list of the major changes coming in 2026 ↩️

These reductions are set to save Medicare enrollees around $1.5 billion in out-of-pocket costs in the first year alone.

Be sure to share this information with anyone who might benefit. As always, our team is here to help you navigate these changes and manage your health care costs effectively. Reach out if you have any questions!

Medicare plan changes are not available at any time during the year, which is why it is important to understand when you...
08/17/2026

Medicare plan changes are not available at any time during the year, which is why it is important to understand when you can switch or adjust your coverage and when you may need to wait for the next enrollment window. Swipe for more information.

We hope you find this information helpful. If you have any questions about your coverage or enrollment periods, we encourage you to consult Medicare's official website for more information: https://www.medicare.gov/.

The Centers for Medicare & Medicaid Services (CMS) recently announced several updates related to Medicare Advantage and ...
08/15/2026

The Centers for Medicare & Medicaid Services (CMS) recently announced several updates related to Medicare Advantage and Part D prescription drug plans for 2027. While many of the changes happen behind the scenes, some could affect the plans and benefits available to Medicare beneficiaries in the years ahead. Swipe to learn more.

If you have questions about how these Medicare updates may affect your current coverage or if you’d like to review your options during an upcoming enrollment period, please feel free to contact us anytime. We are happy to help.

Have you heard of income-related monthly adjustment amount (IRMAA) exemptions?These exemptions can be powerful money-sav...
08/13/2026

Have you heard of income-related monthly adjustment amount (IRMAA) exemptions?

These exemptions can be powerful money-saving tools if your life has changed over the past year. As Medicare agents, our team wants to make sure you are fully informed about what they are, how they work, and how you can request one if needed.

Swipe for a brief overview of IRMAA exemptions.

Dealing with Medicare costs is stressful enough without having to pay more than necessary. If any of these life-changing events apply to your situation, it is a good idea to explore whether or not filing for these exemptions would make sense for your situation.

That said, our team is happy to walk you through the process and help you determine whether you qualify. Feel free to reach out anytime. We are here to help.

Medicare’s annual election period (AEP) might feel far away, but the best time to ask questions is long before the deadl...
08/12/2026

Medicare’s annual election period (AEP) might feel far away, but the best time to ask questions is long before the deadlines hit.

When you start exploring your Medicare options early, you give yourself time to understand what is actually covered, compare plans that fit your doctors and prescriptions, and avoid last-minute stress or rushed decisions.

A simple conversation now can make your AEP enrollment window choices between October 15th to December 7th clearer, calmer, and more confident.

If you’re unsure where to start or what to ask, reach out. We’re here to walk with you through your Medicare questions, step by step.

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Longmont, CO
80501

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