Michael McGarrigle Inc.

06/08/2026

Life is better when you're covered. Protect what matters most, so you can live life to the fullest.. Reach out for your personalized plan! (321) 757-9770 https://www.t65u.com

06/08/2026

How Medicare Advantage Plans Make Money (and What that Means for You)

Medicare Advantage, also known as Part C, has grown in popularity as a way for Americans to receive their Medicare benefits.

06/05/2026

Is it legal for call centers and insurance agents to call Medicare beneficiaries without permission.

In most cases, no. Medicare marketing rules are quite strict.
For Medicare Advantage and Part D plans, agents, brokers, and call centers generally cannot make unsolicited marketing calls to Medicare beneficiaries unless they have permission or an existing business relationship that allows a follow-up under the rules.
Examples of calls that are generally not permitted:
Cold-calling Medicare beneficiaries to market plans.
Calling someone who filled out no permission form and did not request contact.
Calling leads purchased from third parties when the beneficiary did not clearly agree to be contacted about Medicare plans.
Robocalls or automated marketing calls without proper consent.
Calling people on the National Do Not Call Registry without a valid exemption.
Examples that are generally allowed:
Returning a call or inquiry initiated by the beneficiary.
Following up after a beneficiary completed a business reply card, online form, seminar sign-in sheet, or other permission-to-contact form.
Calls to existing clients regarding current coverage and service issues (but not necessarily to market unrelated products).
The problem is that many overseas or loosely regulated call centers ignore the rules. Beneficiaries often receive calls claiming:
"You qualify for extra Medicare benefits."
"We're calling about your Medicare card."
"You may be missing benefits."
"You can get money back on your Part B premium."
Many of these calls are generated by lead vendors and call centers operating in a gray area or outright violating federal telemarketing rules.
For your clients, I would recommend:
Never give their Medicare number over the phone to an unsolicited caller.
Hang up on unexpected Medicare sales calls.
Register at the National Do Not Call Registry.
Report suspicious calls to:
�
donotcall.gov
�
reportfraud.ftc.gov
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medicare.gov

As a Medicare agent, I know the frustrating part: legitimate agents follow the rules while many lead-generation companies simply keep dialing. Enforcement has improved in recent years, but abusive Medicare telemarketing remains a major complaint among seniors.

Register your phone number to report stop or block unwanted, annoying,telemarketing, spam calls, robocalls to the FTC

06/02/2026

🚨 Medicare Beneficiaries: Are You Getting Bombarded With Sales Calls? 🚨
Many seniors tell me they're receiving 10, 20, even 30 calls a day from people trying to sell Medicare plans. These calls can be frustrating, confusing, and sometimes misleading.
A few important reminders:
✅ Medicare does NOT call you to sell plans.
✅ Never give your Medicare number, Social Security number, or banking information to an unsolicited caller.
✅ If you already have a trusted Medicare advisor, hang up and call them directly if you have questions.
✅ Register your number on the National Do Not Call Registry at www.donotcall.gov.
As an independent Medicare advisor, I'm committed to helping my clients understand their options without pressure or high-pressure sales tactics. If you receive a call about Medicare and aren't sure whether it's legitimate, feel free to contact me before making any changes to your coverage.
Education first. Service always.
— Mike McGarrigle "Medicare Mike" Turning 65 University Serving Medicare beneficiaries throughout Florida and beyond.
T65u.com
"How many Medicare sales calls do you receive each week? Let us know in the comments."

Register your phone number to report stop or block unwanted, annoying,telemarketing, spam calls, robocalls to the FTC

06/01/2026

Healthy living is just the beginning—our insurance plans keep it secure! Protect your well-being while you thrive. Contact us to find out more! (321) 757-9770 https://www.t65u.com

06/01/2026

Your Health Insurance Claim Got Denied. Now What?

It’s like a punch in the gut. You visit a specialist or have a medical procedure done only to find your health insurer has denied your claim in a nondescript letter received in the mail. You went to the doctor, did everything you were supposed to do, and now, they say they are not going to pay.

05/27/2026

Wishing you and your loved ones a joyful and peaceful Eid al-Adha.

May this special time be filled with reflection, gratitude, and meaningful moments with family and friends.

Eid Mubarak!

(321) 757-9770 https://www.t65u.com

05/25/2026

Let us pause to honor the heroes who gave everything for our freedom. Their sacrifice will never be forgotten.

05/25/2026

A healthy lifestyle deserves more than just applause—it deserves robust coverage! Let’s protect your wellness journey together.. Find the best plans for you! Call now for a free quote! (321) 757-9770

05/25/2026

What Happens to Your Life Insurance Policy During a Divorce?

Divorce is one of the most stressful life events a person can go through, and between splitting assets, updating accounts, and navigating legal paperwork, life insurance is easy to overlook. But overlooking it can lead to serious, lasting consequences.