AdviseCare Insurance

10/13/2026

Your doctor is at Moffitt. Your plan might not be.
Moffitt became out of network with Humana Medicare Advantage on July 1, 2026, after Aetna Medicare Advantage became out of network in December 2025. Here's why that matters.

A hospital accepting Medicare doesn't necessarily mean it accepts your Medicare Advantage plan. And when provider networks change, your coverage and out-of-pocket costs can change with them.

On many HMO plans, routine out-of-network care isn't covered. PPO plans may provide out-of-network benefits, but costs can be higher. Important for current Humana patients: Moffitt reports that Humana is providing established patients continuation of care at in-network benefit levels through December 29, 2026. Confirm your individual coverage before receiving care.

Before your next appointment, contact your insurance company and confirm that Moffitt and your specific doctor are in network for your exact plan. Original Medicare is different, and a network change doesn't automatically qualify you for a special enrollment period. Your Medicare plan should work with the doctors and hospitals you depend on. The Article is in the comment! 😊

Sources: Moffitt Cancer Center's official Humana and Aetna announcements.
Not connected with or endorsed by the U.S. government or the federal Medicare program.

10/08/2026

Client Review Spotlight 🎉
“Kendra was such a joy to work with she's knowledgeable and caring. I could tell she was delighted to help me . I won't use any one else from now on.”
★★★★★
— Google reviewer in Central Florida

We’re incredibly grateful for every client who takes the time to leave us a review. Choosing someone to trust with your health coverage is an important decision, and we never take that trust for granted.

Reviews like this mean so much to us as an independent agency. They not only let us know we’re doing our job well, but they also help others who may be looking for guidance with Medicare or other health coverage feel more confident about reaching out.

Thank you to every client who has trusted, referred, or shared AdviseCare with someone you care about. Every review helps other seniors find us. Thank you for trusting our team. 💛

If Advice Care has helped you or a friend with your Medicare, we’d love to hear about your experience, tap the link to leave us a Google review. https://g.page/r/Ca_jQMgeNvHIEAE/review

10/07/2026

This one does not reset in January.

The picture is a Part B late enrollment penalty. It is not a one-time fee, and January does not clear it.

Medicare.gov says late penalties are added to the monthly premium. For most people, that charge lasts as long as they have that coverage. For Part B, the extra amount is 10% for each full year you could have signed up and did not.

It does not apply to everyone who waited. A Special Enrollment Period, or a Medicare Savings Program, can change the answer. Coverage from a job you still have is not the same question as coverage you kept after the job ended.

If Part B was delayed, ask whether a penalty applies before you assume January clears it. Send this to the person who thinks it is a late fee.

The link is in the first comment.

Not connected with or endorsed by the U.S. government or the federal Medicare program.

10/01/2026

A Medicare sales call is not a call from Medicare.

Medicare says it will never call to sell you anything. It may call in limited situations, such as returning a message. If a caller makes you uneasy, end the call and use Medicare.gov or 1-800-MEDICARE to verify. Do not share your Medicare number with an unexpected caller.

Learn More Here: https://www.medicare.gov/basics/reporting-medicare-fraud-and-abuse

09/29/2026

Not every Medicare letter is an order.

Some you file. Some are ads. One may need an answer.

Information: a handbook or a claim summary. Read it. File it. Medicare & You is a reference. It is not an instruction to switch. A claim summary explains a claim. It is not the provider's bill.

Advertisement: a company selling a plan. Plans may start sending next-year marketing on October 1. Compare it. Do not obey it. Shiny does not mean Medicare sent it.

Action: a date, or a change to your current plan. If you have a Medicare Advantage or drug plan, your plan sends an Annual Notice of Change each fall. It describes changes for January. Read it. If it has not arrived, contact your plan. Not everyone gets one.

A bill, a coverage-ending notice, or a form with a return date is action mail too. Open that pile first.

Do not post a photo of the letter. If the sender is unfamiliar, use a number you already trust: your plan card, Medicare.gov, or 1-800-MEDICARE.

Send this to the person holding the stack.

https://www.medicare.gov/basics/forms-publications-mailings/mailings/costs-and-coverage/upcoming-plan-changes

Not connected with or endorsed by the U.S. government or the federal Medicare program.

09/24/2026

Turning 26 is a health-coverage date worth putting on the calendar.

If you are on a parent’s plan, ask the plan when coverage actually ends and what the next enrollment step is. HealthCare.gov says people can generally stay on a parent’s plan until 26, but employer and plan details matter.

See the official guide:
https://www.healthcare.gov/young-adults/children-under-26/

If you're under 30, the Health Insurance Marketplace® provides you with several options that put you in control of your coverage and care. Learn about options for providing Marketplace health coverage for children and young adults under 26. Official government website.

09/22/2026

When a parent needs more help, families often start by looking for a plan. Florida’s Medicaid Long-Term Care pathway begins earlier: with a screening.

The process can include screening and waitlist priority, medical and financial eligibility, and plan enrollment when available.

The useful first step is to contact the local Aging and Disability Resource Center and ask about an SMMC Long-Term Care screening. The Florida Elder Helpline can connect you: 1-800-96-ELDER. (1-800-963-5337)

Official Florida information:
https://ahca.myflorida.com/medicaid/statewide-medicaid-managed-care/long-term-care-program.html

09/18/2026

Client Review Spotlight 🎉

“Very Professional and very helpful and knowledgeable”
★★★★★
- Google reviewer in West Tennessee

We’re incredibly grateful for every client who takes
the time to leave us a review. Choosing someone to trust with your health coverage is an important decision, and we never take that trust for granted.

Reviews like this mean so much to us as an independent agency. They not only let us know we’re doing our job well, but they also help others who may be looking for guidance with Medicare or other health coverage feel more confident about reaching out.

Thank you to every client who has trusted, referred, or shared AdviseCare with someone you care about. We truly appreciate your support.

09/16/2026

The appointment is local. The network question is specific.

“We accept Medicare” and “we are in-network for your exact Medicare Advantage plan” are different answers.

Before a non-emergency visit, give the office the full plan name and ask about that exact location. Then confirm with the plan. Keep the date and answer in your notes.

A familiar hospital name or carrier logo is not enough to settle your individual coverage.

Read the guidance:
https://advisecareinsurance.com/insights/hmo-vs-ppo-medicare-advantage

09/11/2026

Your Medicare plan can stay “the same” and still change in ways that matter.

If you have a Medicare Advantage or Part D plan, keep an eye out for your Annual Notice of Change (ANOC). This is the document that explains what may be different for next year, including costs, prescription coverage, benefits, and other plan details.

Before AEP, take a few minutes to review it carefully.
Not sure what changed? Send us your ANOC and we can help you understand what you’re looking at.