Wiand Insurance, LLC

10/11/2026

🔔 October 15 - December 7th is Medicare Annual Election Period and it’s time to shop!! 🛍️

🔔 Reach out if you are interested in making a change!

10/04/2026

🤔 Medicare Supplement Plan G vs. Plan N — What’s the Difference?

If you have Medicare and are considering a Medicare Supplement plan, you may be wondering: “What’s the difference between Plan G and Plan N?”

Here’s the simple breakdown:

🟦 PLAN G
✔️ Typically has a higher monthly premium
✔️ After you meet the Part B deductible, Plan G generally covers your Medicare-approved costs, with no copays for covered services
✔️ No Part B excess charges when the provider accepts Medicare assignment

🟩 PLAN N
✔️ Usually has a lower monthly premium
✔️ You may pay a copay for some doctor and emergency room visits
✔️ Does not cover Part B excess charges
✔️ You’ll want to make sure your providers accept Medicare assignment

💡 So which one is better?

There isn’t one answer for everyone! The right choice depends on your health care needs, how often you see doctors, your budget, and how much you value predictable costs.

Plan G may make sense if you want more predictable out-of-pocket costs.

Plan N may make sense if you’re comfortable with some cost-sharing in exchange for a potentially lower premium.

📞 Want help comparing Plan G and Plan N? As a Medicare agent, I can help you compare your options and find a plan that fits your needs and budget.

Plan availability, premiums, underwriting, and costs vary by insurance company and location. Medicare Supplement plans are standardized by letter, but premiums can vary.

09/21/2026

Tomorrow at 2 pm! Anyone is welcome! 😃

Join Vanessa Wiand, Independent Insurance Agent specializing in Medicare, for an educational event designed to help you better understand your Medicare options. Learn about the basics of Medicare, Parts A, B, C and D, enrollment periods, plan options, and more.

This free event will be held Tuesday, September 22 at 2:00 p.m. at the Everett Free Library, 137 East Main Street, Everett, PA.

Bring your Medicare questions and learn in a relaxed, informative setting. Free and open to the public.

09/18/2026

💥 The Annual Election Period (AEP) is coming up for Medicare from October 15-December 7.

📅 Get on the schedule now for a FREE review of your Medicare insurance coverage!!

09/17/2026

🚩 If life insurance is something you have been thinking about but putting off, here’s your sign to reach out today for a no obligation quote!!

09/17/2026

📅 Less than a week away! 😃

Join Vanessa Wiand, Independent Insurance Agent specializing in Medicare, for an educational event designed to help you better understand your Medicare options. Learn about the basics of Medicare, Parts A, B, C and D, enrollment periods, plan options, and more.

This free event will be held Tuesday, September 22 at 2:00 p.m. at the Everett Free Library, 137 East Main Street, Everett, PA.

Bring your Medicare questions and learn in a relaxed, informative setting. Free and open to the public.

09/15/2026

‼️ Keep an eye on your mailbox for your ANOC or Annual Notice of Change coming directly from the insurance carrier.

They are required to be send out by September 30th, so you have it in time to see if you would like to make a change during the Annual Election Period (AEP) which runs from October 15-December 7.

Reach out if you have any questions or want to set up an appointment for review!

09/06/2026

🚨 Medicare mistake that could cost you hundreds more!

Did you know your Medicare premiums can be affected by your income? It’s called IRMAA — the Income-Related Monthly Adjustment Amount.

💰 Higher income = Higher Medicare premiums

Here’s the part that surprises people: Medicare generally looks at your tax return from two years prior to determine whether you’ll pay IRMAA. (Social Security Administration)

📅 For 2026, IRMAA can kick in when your modified adjusted gross income is above $109,000 for an individual or $218,000 for a married couple filing jointly.

It can affect both your Medicare Part B and Part D costs.

But what if your income was high because of a one-time event—like selling your home, retiring, or losing a spouse? You may have options to ask Social Security to reconsider your IRMAA.

📲 Don’t ignore that IRMAA notice!
Let’s talk before you assume you have to pay it.

💰 IRMAA can be confusing—and expensive. If you received an IRMAA notice, don’t automatically assume the amount is set in stone. There may be circumstances where you can request a new determination.

📩 Have questions about Medicare and IRMAA? Send me a message! I’m happy to help you understand your options.