Katie Gay - Life & Health Advisor

Katie Gay - Life & Health Advisor Helping people with life & Medicare insurance plans through trusted guidance and real conversations.

Backed by 8 years in the industry & proud to be with Smallwood & Small Insurance.

08/11/2026
๐Ÿ“ฃ ๐—œ๐—บ๐—ฝ๐—ผ๐—ฟ๐˜๐—ฎ๐—ป๐˜ ๐— ๐—ฒ๐—ฑ๐—ถ๐—ฐ๐—ฎ๐—ฟ๐—ฒ ๐—ฃ๐—ฎ๐—ฟ๐˜ ๐—— ๐—จ๐—ฝ๐—ฑ๐—ฎ๐˜๐—ฒ ๐—ณ๐—ผ๐—ฟ ๐Ÿฎ๐Ÿฌ๐Ÿฎ๐Ÿณ ๐Ÿ“ฃYou may have heard about the announcement CMS made at the end of July regar...
08/11/2026

๐Ÿ“ฃ ๐—œ๐—บ๐—ฝ๐—ผ๐—ฟ๐˜๐—ฎ๐—ป๐˜ ๐— ๐—ฒ๐—ฑ๐—ถ๐—ฐ๐—ฎ๐—ฟ๐—ฒ ๐—ฃ๐—ฎ๐—ฟ๐˜ ๐—— ๐—จ๐—ฝ๐—ฑ๐—ฎ๐˜๐—ฒ ๐—ณ๐—ผ๐—ฟ ๐Ÿฎ๐Ÿฌ๐Ÿฎ๐Ÿณ ๐Ÿ“ฃ

You may have heard about the announcement CMS made at the end of July regarding ๐Ÿฎ๐Ÿฌ๐Ÿฎ๐Ÿณ ๐— ๐—ฒ๐—ฑ๐—ถ๐—ฐ๐—ฎ๐—ฟ๐—ฒ ๐—ฝ๐—ฟ๐—ฒ๐˜€๐—ฐ๐—ฟ๐—ถ๐—ฝ๐˜๐—ถ๐—ผ๐—ป ๐—ฑ๐—ฟ๐˜‚๐—ด ๐—ฝ๐—น๐—ฎ๐—ป๐˜€. Thereโ€™s been some confusion about what this means, so I wanted to clarify:

๐— ๐—ฒ๐—ฑ๐—ถ๐—ฐ๐—ฎ๐—ฟ๐—ฒ ๐—ฃ๐—ฎ๐—ฟ๐˜ ๐—— ๐—ถ๐˜€ ๐—ก๐—ข๐—ง ๐—ฒ๐—ป๐—ฑ๐—ถ๐—ป๐—ด.

A temporary program that helped keep some prescription drug plan premiums lower will end after 2026. Because of this, ๐˜€๐—ผ๐—บ๐—ฒ ๐˜€๐˜๐—ฎ๐—ป๐—ฑ-๐—ฎ๐—น๐—ผ๐—ป๐—ฒ ๐—ฃ๐—ฎ๐—ฟ๐˜ ๐—— ๐—ฝ๐—น๐—ฎ๐—ป๐˜€ ๐—บ๐—ฎ๐˜† ๐—ฐ๐—ผ๐˜€๐˜ ๐—บ๐—ผ๐—ฟ๐—ฒ ๐—ถ๐—ป ๐Ÿฎ๐Ÿฌ๐Ÿฎ๐Ÿณ.

This does ๐—ก๐—ข๐—ง mean every plan will increase, and it does ๐—ก๐—ข๐—ง mean you will lose your drug coverage.

The important thing is to review your plan for 2027. Check:
โ€ข Your monthly premium
โ€ข Whether your medications are still covered
โ€ข What your prescriptions will cost
โ€ข Whether your pharmacy is still in the planโ€™s network

๐——๐—ผ ๐—ป๐—ผ๐˜ ๐—ฝ๐—ฎ๐—ป๐—ถ๐—ฐ ๐—ผ๐—ฟ ๐—บ๐—ฎ๐—ธ๐—ฒ ๐—ฐ๐—ต๐—ฎ๐—ป๐—ด๐—ฒ๐˜€ ๐˜†๐—ฒ๐˜. Once the 2027 plans are released, review your options with a licensed insurance agent to make sure your plan still meets your needs and budget. Your coverage is not ending, but your costs may change, so reviewing your plan will be especially important this year.

As a local, licensed agent, Iโ€™m here to help make sense of these changes when the time comes. If youโ€™re unsure what the 2027 changes mean for you, ๐—ฟ๐—ฒ๐—ฎ๐—ฐ๐—ต ๐—ผ๐˜‚๐˜ ๐˜๐—ผ ๐—บ๐—ฒ! Iโ€™m always happy to review your options with you and help you make an informed decision about your coverage.

๐—ฌ๐—ผ๐˜‚ ๐—ฑ๐—ผ๐—ปโ€™๐˜ ๐—ต๐—ฎ๐˜ƒ๐—ฒ ๐˜๐—ผ ๐—ป๐—ฎ๐˜ƒ๐—ถ๐—ด๐—ฎ๐˜๐—ฒ ๐— ๐—ฒ๐—ฑ๐—ถ๐—ฐ๐—ฎ๐—ฟ๐—ฒ ๐—ฐ๐—ต๐—ฎ๐—ป๐—ด๐—ฒ๐˜€ ๐—ฎ๐—น๐—ผ๐—ป๐—ฒ. Iโ€™m right here, local and available to help. ๐Ÿ˜Š

๐Ÿ“ž 304-263-3361
๐Ÿ“จ [email protected]

Most people think life insurance is just about replacing income.But what if I told you it can also help protect your fam...
08/06/2026

Most people think life insurance is just about replacing income.

But what if I told you it can also help protect your family's home, cover final expenses, safeguard a business, help with children's future needs, and so much more?

I've been talking with a lot of people lately who are surprised by what life insurance actually covers.

If you've ever wondered whether you have the right coverageโ€”or if you need any at allโ€”send me a message or give me a call. I'm always happy to answer questions, even if you're just looking for information. ๐Ÿ’™

โ˜Ž๏ธ 304-263-3361

โ“ If something happened to you tomorrow...

Would your family be financially prepared?

Life insurance is about more than a policy. It's about protecting your family's future. Learn why it matters in this quick read. ๐Ÿ‘‡

https://www.erieinsurance.com/blog/why-life-insurance?link=blog3Text&bt_ee=%2BwCEGZTnd%2BHMmKVTVGZqN%2BcaUetQzoqIl1EDncWtKGea5VnHB3xPTZHNMqRSTcc%2B&bt_ts=1785262339918

๐—ฆ๐˜๐—ฎ๐—ฟ๐˜๐—ถ๐—ป๐—ด ๐—๐˜‚๐—น๐˜† ๐Ÿญ, ๐Ÿฎ๐Ÿฌ๐Ÿฎ๐Ÿฒ, ๐˜๐—ต๐—ฒ ๐—–๐—ฒ๐—ป๐˜๐—ฒ๐—ฟ๐˜€ ๐—ณ๐—ผ๐—ฟ ๐— ๐—ฒ๐—ฑ๐—ถ๐—ฐ๐—ฎ๐—ฟ๐—ฒ & ๐— ๐—ฒ๐—ฑ๐—ถ๐—ฐ๐—ฎ๐—ถ๐—ฑ ๐—ฆ๐—ฒ๐—ฟ๐˜ƒ๐—ถ๐—ฐ๐—ฒ๐˜€ (๐—–๐— ๐—ฆ) ๐—น๐—ฎ๐˜‚๐—ป๐—ฐ๐—ต๐—ฒ๐—ฑ ๐—ฎ ๐˜€๐—ต๐—ผ๐—ฟ๐˜-๐˜๐—ฒ๐—ฟ๐—บ ๐—ฑ๐—ฒ๐—บ๐—ผ๐—ป๐˜€๐˜๐—ฟ๐—ฎ๐˜๐—ถ๐—ผ๐—ป ๐—ฝ๐—ฟ๐—ผ๐—ด๐—ฟ๐—ฎ๐—บ ๐—ฐ๐—ฎ...
07/22/2026

๐—ฆ๐˜๐—ฎ๐—ฟ๐˜๐—ถ๐—ป๐—ด ๐—๐˜‚๐—น๐˜† ๐Ÿญ, ๐Ÿฎ๐Ÿฌ๐Ÿฎ๐Ÿฒ, ๐˜๐—ต๐—ฒ ๐—–๐—ฒ๐—ป๐˜๐—ฒ๐—ฟ๐˜€ ๐—ณ๐—ผ๐—ฟ ๐— ๐—ฒ๐—ฑ๐—ถ๐—ฐ๐—ฎ๐—ฟ๐—ฒ & ๐— ๐—ฒ๐—ฑ๐—ถ๐—ฐ๐—ฎ๐—ถ๐—ฑ ๐—ฆ๐—ฒ๐—ฟ๐˜ƒ๐—ถ๐—ฐ๐—ฒ๐˜€ (๐—–๐— ๐—ฆ) ๐—น๐—ฎ๐˜‚๐—ป๐—ฐ๐—ต๐—ฒ๐—ฑ ๐—ฎ ๐˜€๐—ต๐—ผ๐—ฟ๐˜-๐˜๐—ฒ๐—ฟ๐—บ ๐—ฑ๐—ฒ๐—บ๐—ผ๐—ป๐˜€๐˜๐—ฟ๐—ฎ๐˜๐—ถ๐—ผ๐—ป ๐—ฝ๐—ฟ๐—ผ๐—ด๐—ฟ๐—ฎ๐—บ ๐—ฐ๐—ฎ๐—น๐—น๐—ฒ๐—ฑ ๐˜๐—ต๐—ฒ ๐— ๐—ฒ๐—ฑ๐—ถ๐—ฐ๐—ฎ๐—ฟ๐—ฒ ๐—š๐—Ÿ๐—ฃ-๐Ÿญ ๐—•๐—ฟ๐—ถ๐—ฑ๐—ด๐—ฒ. ๐—œ๐˜ ๐—ด๐—ถ๐˜ƒ๐—ฒ๐˜€ ๐—ฒ๐—น๐—ถ๐—ด๐—ถ๐—ฏ๐—น๐—ฒ ๐—ฃ๐—ฎ๐—ฟ๐˜ ๐—— ๐—ฏ๐—ฒ๐—ป๐—ฒ๐—ณ๐—ถ๐—ฐ๐—ถ๐—ฎ๐—ฟ๐—ถ๐—ฒ๐˜€ ๐—ฎ๐—ฐ๐—ฐ๐—ฒ๐˜€๐˜€ ๐˜๐—ผ ๐—ฐ๐—ฒ๐—ฟ๐˜๐—ฎ๐—ถ๐—ป ๐—š๐—Ÿ๐—ฃ-๐Ÿญ ๐—ฑ๐—ฟ๐˜‚๐—ด๐˜€ ๐—ณ๐—ผ๐—ฟ ๐˜„๐—ฒ๐—ถ๐—ด๐—ต๐˜ ๐—น๐—ผ๐˜€๐˜€ ๐—ฎ๐˜ ๐—ฎ ๐—ฝ๐—ฟ๐—ฒ๐—ฑ๐—ถ๐—ฐ๐˜๐—ฎ๐—ฏ๐—น๐—ฒ ๐—บ๐—ผ๐—ป๐˜๐—ต๐—น๐˜† ๐—ฐ๐—ผ๐˜€๐˜. ๐—ง๐—ต๐—ถ๐˜€ ๐—ฎ๐—ฟ๐˜๐—ถ๐—ฐ๐—น๐—ฒ ๐—ฒ๐˜…๐—ฝ๐—น๐—ฎ๐—ถ๐—ป๐˜€ ๐˜๐—ต๐—ฒ ๐—ฏ๐—ฎ๐˜€๐—ถ๐—ฐ๐˜€ ๐—ผ๐—ณ ๐˜๐—ต๐—ฒ ๐—ฝ๐—ฟ๐—ผ๐—ด๐—ฟ๐—ฎ๐—บ, ๐˜„๐—ต๐—ฎ๐˜ ๐—ถ๐˜ ๐—ฐ๐—ผ๐˜ƒ๐—ฒ๐—ฟ๐˜€, ๐˜„๐—ต๐—ผ ๐—พ๐˜‚๐—ฎ๐—น๐—ถ๐—ณ๐—ถ๐—ฒ๐˜€, ๐—ฎ๐—ป๐—ฑ ๐—ต๐—ผ๐˜„ ๐—ถ๐˜ ๐—ฑ๐—ถ๐—ณ๐—ณ๐—ฒ๐—ฟ๐˜€ ๐—ณ๐—ฟ๐—ผ๐—บ ๐˜€๐˜๐—ฎ๐—ป๐—ฑ๐—ฎ๐—ฟ๐—ฑ ๐—ฃ๐—ฎ๐—ฟ๐˜ ๐—— ๐—ฐ๐—ผ๐˜ƒ๐—ฒ๐—ฟ๐—ฎ๐—ด๐—ฒ.

๐—ช๐—ต๐—ฎ๐˜ ๐—œ๐˜€ ๐˜๐—ต๐—ฒ ๐— ๐—ฒ๐—ฑ๐—ถ๐—ฐ๐—ฎ๐—ฟ๐—ฒ ๐—š๐—Ÿ๐—ฃ-๐Ÿญ ๐—•๐—ฟ๐—ถ๐—ฑ๐—ด๐—ฒ ๐—ฃ๐—ฟ๐—ผ๐—ด๐—ฟ๐—ฎ๐—บ?
The Medicare GLP-1 Bridge is a temporary demonstration program run by CMS. It runs from July 1, 2026, through December 31, 2027. The program operates outside the standard Medicare Part D benefit, using a central processor managed by CMS to handle prior authorization, claims, and payments. Part D sponsors do not need to opt in for their beneficiaries to access Bridge drugs. The program was created to fill a gap after the BALANCE Model, originally planned for 2027, was delayed indefinitely.

๐—ช๐—ต๐—ถ๐—ฐ๐—ต ๐——๐—ฟ๐˜‚๐—ด๐˜€ ๐—”๐—ฟ๐—ฒ ๐—–๐—ผ๐˜ƒ๐—ฒ๐—ฟ๐—ฒ๐—ฑ?
The Bridge covers a limited set of GLP-1 medications for weight loss. Covered drugs include Wegovy (injections and tablets), Zepbound (KwikPen only), and Foundayo (tablet). Other GLP-1 drugs or formulations, such as Zepbound single-dose pens or vials, are not included. The program does not cover GLP-1s for indications like type 2 diabetes or sleep apnea; those should be obtained through a beneficiaryโ€™s regular Part D plan.

๐—ช๐—ต๐—ผ ๐—ถ๐˜€ ๐—˜๐—น๐—ถ๐—ด๐—ถ๐—ฏ๐—น๐—ฒ?
To qualify, you must be 18 or older and enrolled in Medicare Part D, either through a stand-alone plan or a Medicare Advantage Prescription Drug (MA-PD) plan. You must also meet specific body mass index (BMI) and health criteria. For example, you may qualify if you have a BMI of 35 or higher, a BMI of 30 or higher with heart failure, uncontrolled hypertension, or chronic kidney disease, or a BMI of 27 or higher with prediabetes, a history of heart attack, or peripheral artery disease. Beneficiaries with type 2 diabetes, moderate-to-severe sleep apnea, or fatty liver disease are not eligible through the Bridge, those conditions are treated through standard Part D coverage. According to the Kaiser Family Foundation, nearly four million Medicare beneficiaries met the eligibility criteria in 2023.

๐—›๐—ผ๐˜„ ๐— ๐˜‚๐—ฐ๐—ต ๐——๐—ผ๐—ฒ๐˜€ ๐—œ๐˜ ๐—–๐—ผ๐˜€๐˜?
Eligible beneficiaries pay a fixed $50 copay per month for covered drugs. The total monthly cost of these drugs is $245, with the beneficiaryโ€™s share held at $50. This $50 copay does not count toward the Part D deductible or out-of-pocket limit. Low-income subsidy (Extra Help) cannot be applied to Bridge costs. Standard Part D cost-sharing (deductible, coinsurance, coverage gap) does not apply to drugs obtained through the Bridge.

๐—›๐—ผ๐˜„ ๐——๐—ผ ๐—ฌ๐—ผ๐˜‚ ๐—˜๐—ป๐—ฟ๐—ผ๐—น๐—น?
Enrollment requires prior authorization from the Bridge program. Your doctor must submit a prior authorization form to Medicare for approval. Once approved, the central processor manages the claim and payment. The program does not require re-authorization for dose changes as long as the same drug is used. Beneficiaries currently receiving GLP-1s through Part D for non-weight-loss indications should continue using their Part D plan and cannot switch to the Bridge for those drugs.

๐—›๐—ผ๐˜„ ๐——๐—ผ๐—ฒ๐˜€ ๐—œ๐˜ ๐——๐—ถ๐—ณ๐—ณ๐—ฒ๐—ฟ ๐—ณ๐—ฟ๐—ผ๐—บ ๐—ฃ๐—ฎ๐—ฟ๐˜ ๐—— ๐—–๐—ผ๐˜ƒ๐—ฒ๐—ฟ๐—ฎ๐—ด๐—ฒ?
The Bridge operates entirely outside the Part D benefit. Drugs covered under the Bridge are not subject to Part D deductibles or the coverage gap, and they do not count toward your true out-of-pocket (TrOOP) costs. The fixed $50 copay is the same regardless of income. Prior authorization is handled directly by Medicare through a central processor, not by the Part D plan. This streamlined approach ensures predictable pricing and removes plan-level variability.

๐—ง๐—ต๐—ฒ ๐—•๐—ฟ๐—ถ๐—ฑ๐—ด๐—ฒ ๐˜ƒ๐˜€. ๐˜๐—ต๐—ฒ ๐—•๐—”๐—Ÿ๐—”๐—ก๐—–๐—˜ ๐— ๐—ผ๐—ฑ๐—ฒ๐—น
The BALANCE Model was a proposed CMS program that would have allowed Part D plans to voluntarily opt in to cover GLP-1 drugs for weight loss. It was originally scheduled to start in 2027 but has been delayed indefinitely. The Bridge demonstration was extended through December 31, 2027, to fill this gap. Unlike the planned BALANCE Model, the Bridge is mandatory for all eligible beneficiaries, there is no plan opt-in required.
Can I use Extra Help to pay the $50 copay?
No. Low-income subsidy (Extra Help) cannot be applied to the GLP-1 Bridge copay. The $50 monthly amount is fixed for all eligible beneficiaries, and it does not count toward your Part D out-of-pocket limit or deductible.

๐—ช๐—ต๐—ฎ๐˜ ๐—ต๐—ฎ๐—ฝ๐—ฝ๐—ฒ๐—ป๐˜€ ๐—ฎ๐—ณ๐˜๐—ฒ๐—ฟ ๐——๐—ฒ๐—ฐ๐—ฒ๐—บ๐—ฏ๐—ฒ๐—ฟ ๐Ÿฏ๐Ÿญ, ๐Ÿฎ๐Ÿฌ๐Ÿฎ๐Ÿณ?
The Bridge demonstration ends on that date. CMS has not announced a permanent replacement beyond the delayed BALANCE Model. Beneficiaries should watch for updates from Medicare about future coverage options for weight loss drugs.
Will my Part D plan cover GLP-1s for weight loss if I donโ€™t use the Bridge?
Standard Part D plans cannot cover drugs used solely for weight loss unless they are approved for another medical condition. The Bridge demonstration is currently the only way for eligible beneficiaries to get Wegovy, Zepbound, or Foundayo for weight loss under Medicare.

๐——๐—ผ ๐—œ ๐—ป๐—ฒ๐—ฒ๐—ฑ ๐˜๐—ผ ๐—ป๐—ผ๐˜๐—ถ๐—ณ๐˜† ๐—บ๐˜† ๐—ฃ๐—ฎ๐—ฟ๐˜ ๐—— ๐—ฝ๐—น๐—ฎ๐—ป ๐—ฏ๐—ฒ๐—ณ๐—ผ๐—ฟ๐—ฒ ๐˜‚๐˜€๐—ถ๐—ป๐—ด ๐˜๐—ต๐—ฒ ๐—•๐—ฟ๐—ถ๐—ฑ๐—ด๐—ฒ?
No. Part D sponsors do not need to opt in for beneficiaries to access Bridge drugs. You simply work with your doctor to submit the prior authorization to Medicare. Your Part D plan remains unchanged for your other medications.
The Medicare GLP-1 Bridge Program offers a straightforward path to affordable weight loss medication for eligible beneficiaries through December 2027. If you think you may qualify, talk to your doctor about the prior authorization process. For official details, visit CMS.gov or Medicare.gov.

I am here to help you navigate these changes and potential savings! Call today at 304-263-3361.

06/16/2026

โ€ผ๏ธ BUSINESS OWNERS โ€ผ๏ธ

Looking for a way to strengthen your employee benefits package without adding to your companyโ€™s expenses? ๐Ÿ’ผ

What if you could offer your employees access to life insurance coverage at no cost to your business? ๐Ÿ‘€

Our Life & Health Advisor, Katie Gay, recently shared one of the unique life insurance solutions we offer that can help employers enhance their benefits package, attract quality talent, and support employee retentionโ€”all while giving employees the flexibility to keep their coverage even if they change jobs.

Itโ€™s a simple way to add value for your team and show them you care about their future. โค๏ธ

Want to learn if this could be a good fit for your business?

๐Ÿ“ž Contact Katie Gay at 304-263-3361
๐Ÿ“ง [email protected]

She will be happy to answer your questions and help you explore your options!

Breaking GLP-1 News for Medicare Recipients!On May 6th, the Centers for Medicare & Medicaid Services (CMS) announced a n...
05/18/2026

Breaking GLP-1 News for Medicare Recipients!

On May 6th, the Centers for Medicare & Medicaid Services (CMS) announced a new โ€œMedicare GLP-1 Bridgeโ€ program, which could allow eligible Medicare beneficiaries to access certain GLP-1 medications for just $50 per month beginning July 1, 2026.

These medications, commonly used for weight loss and related health conditions, have often been difficult for seniors to afford due to high out of pocket costs.

Here are the key takeaways:

โœ… Eligible Medicare Part D members may qualify
โœ… Monthly costs could be capped at $50
โœ… The program runs from July 2026 through December 2027
โœ… Designed to improve access to innovative weight loss treatments
โœ… Beneficiaries should speak with their doctor to determine if a GLP-1 medication is appropriate

According to the release, additional details about eligibility and participating medications will be released closer to launch.

This could become a major development for Medicare beneficiaries managing obesity and related chronic health conditions.

As always, we are here to keep you informed as Medicare coverage continues to change rapidly!

On July 1st, CMS will be launching the โ€œMedicare GLP-1 Bridge short-term demonstrationโ€ โ€“ a pilot program that will provide eligible Medicare Part D benefici...

03/24/2026

๐Ÿšจ Real Talk โ€” Why Are You So Anti-Life Insurance?

Iโ€™m not asking as an insurance advisor right nowโ€ฆ Iโ€™m asking as a genuinely curious human.

Every day I talk to smart, responsible, hardworking people who have zero interest in even exploring life insurance.

Not even a conversation. Just: โ€œNo thanks.โ€

So I want to understandโ€ฆ

๐Ÿ‘‰ Whatโ€™s the REAL reason?

โ€ข Do you feel like itโ€™s a scam or not worth it?
โ€ข Does it feel like something that only matters when youโ€™re older?
โ€ข Do you think itโ€™s going to be too expensive anyway?
โ€ข Does the topic just make you uncomfortable so you avoid it?
โ€ข Do you assume work coverage is enough?
โ€ข Do you feel like agents are just trying to sell you something?
โ€ข Is it just not a priority compared to everything else in life right now?
โ€ข Or honestlyโ€ฆ do you just not care what happens financially after youโ€™re gone?

No judgment. No pitch in the comments.
I truly want to hear how people actually think about this.

You can comment or message me privately if youโ€™d rather. Your perspective helps me more than you realize. ๐Ÿ‘‡

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