L&L Advisors - Manhattan

02/23/2026

“What’s the deal with Medicare Part A and Part B, and do I need both?”

Part A (Hospital Insurance): Covers inpatient care, skilled nursing, hospice, and some home health. Most people don’t pay a monthly premium if they or a spouse paid Medicare taxes while working.

Part B (Medical Insurance): Covers doctor visits, outpatient care, preventive services, and durable medical equipment. Part B does have a monthly premium that starts at $202.90.

So, do I need both?

Most people enroll in both because Part B is required to have full coverage and avoid late enrollment penalties. You will also need to have both to get either a supplement or an advantage plan.

If you have current employer coverage or coverage through your spouse, sometimes Part B can be delayed, but it’s important to plan carefully to avoid penalties.
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Milea McKinney, Licensed Insurance Professional
785.280.9621
[email protected]

02/17/2026

“Should I still have copays on Medicare?”

Original Medicare (Part A & B) Only: You’re generally responsible for copays, coinsurance, and deductibles for most services. Medicare covers a big portion, but not everything.

Medicare Supplement (Medigap): These plans help pay your copays and deductibles. Depending on your plan, many services may end up with $0 out-of-pocket.

Medicare Advantage (Part C): Copays, coinsurance and deductible still exist, but they are set by the plan rather than standardized like Parts A and B. Some visits may cost just a few dollars, while others (like specialist care or hospital stays) could be higher.

💡 Tip: Not sure if a bill is correct? Give me a call and we can check what your plan should be covering.
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Milea McKinney, Licensed Insurance Professional
785.280.9621
[email protected]

02/12/2026

But am I STUCK with the Medicare plan I pick or the plan I have?? Little long winded (sorry), but let's talk through the four switching situations.

02/09/2026

Did you know Medicare Supplements and Advantage plans work differently when it comes to changing coverage?

Medicare Supplement (Medigap) plans: You can switch at any time, though the carriers will ask a few health questions.

Medicare Advantage plans: It’s usually best to switch during Open Enrollment (Oct 15 – Dec 7 or Jan 1 - Mar 31). Why? Because changing outside this window could mean losing your prescription drug coverage. (Good news, we are in one of those windows!)

💡 Tip: If you are on a supplement, it never hurts to price check! All plans of the same type (like a plan F or G) cover the EXACT same way, regardless of what insurance company they are through.
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Milea McKinney, Licensed Insurance Professional
785.280.9621
[email protected]

01/13/2026

Grateful for a great night at the Women in Business Resolution Rendezvous with the Manhattan Area Chamber of Commerce. We were asked to choose a word for the year, and mine was agile for staying flexible, responsive and ready to meet people where they are.

That word fits where I am right now: growing, adapting and being responsive as I build my business and support this community.

Big thanks to the Chamber and Women in Business committee for hosting such a thoughtful event (and for the photos to remember it by!). Looking forward to a strong year ahead alongside so many great local businesses.

01/09/2026

Not loving your Medicare Advantage plan? Interested in swapping back to original Medicare?
Good news: Open Enrollment is open.
Bad news: Ignoring it won’t make it better.
Either way, it is good to check if your plan is still the best fit. Let’s take a look and see what your options are.
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Milea McKinney, Licensed Insurance Professional
📱785.280.9621
💌[email protected]

01/09/2026

Calmly screaming this from the rooftops...

01/08/2026

I’m a licensed insurance professional, and I take the work seriously, but we can also have some fun (who says insurance has to be boring?).

These decisions matter, but I believe they’re best made through real conversation. No rushing. No pressure. Just getting grounded in what the options actually mean and whether they’re even a good fit for you.

If you or someone in your circle is:
• Turning 65 or starting Medicare
• Wanting to price check their supplement
• Needing to check an advantage plan during this OEP (Jan 1-Mar 31)
• Looking at life or final expense insurance
• Feeling overwhelmed by ACA premiums
• Not totally sure what they have or what they need

Then let’s talk. Just talk. Think of it like a no-pressure first date.

It’s a new year, and we’re not putting off the things we’ve been avoiding anymore.
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Milea McKinney, Licensed Insurance Professional
📱785.280.9621
💌[email protected]

01/07/2026

New year, quick re-intro.

Hi, I’m Milea. A few important things about me:

🪴 I love indoor plants. Like… a lot. If you come to my office, you’ll see I’m already in double digits.
🍞 I’m a novice sourdough girl. Emphasis on novice. It’s a work in progress.
💜 My husband and I are big K-State fans and season ticket holders for football and basketball. Holding our breath for this week’s AZ schedule.

More yapping about insurance to come. That’s the fun stuff.
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Milea McKinney, Licensed Insurance Professional
📲785.280.9621
💌[email protected]

11/25/2025

Thankful for some new office bling ✨

Check out the new signage, and stop by to say hi!

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Milea McKinney, Licensed Insurance Professional
📞785.280.9621
📧[email protected]

10/25/2025