A&E Insurance Agency

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A&E Insurance Agency We educate, you choose. Medicare, retirement & life insurance. Book: aeinsurancefl.com/book Based in Florida, proudly serving clients nationwide.

We specialize in Medicare and life insurance — guiding individuals turning 65 and families of all ages with trusted, expert advice. Book your free consultation and get clarity today.

08/26/2026

Notice your Social Security check got smaller this year? Medicare is probably why.

The standard Medicare Part B premium jumped from $185.00/month in 2025 to $202.90/month in 2026 — that's $17.90 more coming out of your Social Security check every month.

But some people are paying even more because of something called IRMAA. Here's where it gets confusing: Medicare isn't looking at what you're making right now — it's looking at your 2024 tax return. So if you were working and earning well in 2024 but have since retired, you could be stuck paying a higher premium based on income you're no longer making.

The good news? If you've retired, cut your hours, or had another qualifying life event, you may be able to have Social Security take another look.

Curious what your Medicare premium is likely to be in 2026? Use our free IRMAA calculator: https://www.aeinsurancefl.com/tools/irmaa-calculator

Not affiliated with or endorsed by Medicare or any government agency. Figures shown are for 2026 and subject to change.

08/22/2026

If you're on a Humana Medicare Advantage plan, watch your mailbox this September.

Humana is expected to drop 600,000 members for 2027. That's about 8% of their 7.2 million Medicare Advantage members. You'll be notified by September 30th if your plan is one of them.

Don't panic. But don't ignore it either.

If you've ever opened a Medicare mailer and felt your stomach drop, you're not alone.

Here's what to check before you pick anything new: are your doctors covered, and are your prescriptions covered.

Then check your maximum out-of-pocket. Don't choose based on premium or benefits alone.

There's also a second option most people don't know about — a Medigap guaranteed issue right that lets you go back to Original Medicare with no medical underwriting.

I've helped hundreds of people navigate changes like this over the past 10+ years. The people who get hurt aren't the ones who lose their plan — it's the ones who never open the letter.

Do you know someone on a Humana MA plan? Tag them below.

—
Steve Germain, Licensed Medicare Broker (NPN: 17405138). Not connected with or endorsed by the U.S. government or the federal Medicare program. We do not offer every plan available in your area. Contact Medicare.gov or 1-800-MEDICARE for information on all your options.

06/01/2026

🚨 Turning 65 soon?

One of the biggest Medicare mistakes I see is people waiting until their birthday month to start looking into their options.

The good news is that Medicare gives you a 7-month enrollment period—but understanding your choices early can make the process much less stressful.

If you're approaching age 65, this is information you don't want to miss.

Have questions about Medicare? Feel free to reach out.

05/28/2026

Medicare information overload is real — and it's not your fault.

The reason most Medicare research leaves folks more confused is because generic information can't account for your specific situation. Your doctors, your medications, what coverage you're coming from — those details change everything.

Before anyone recommends a plan to you, these four questions need to be answered first: What coverage do you have right now? Which doctors do you need to keep? What medications are you on? Do you want flexibility or lower premiums?

What's the Medicare question you can't seem to get a straight answer on? Drop it below — I read every comment. 🙏

05/21/2026

Your friend loves their Medicare Advantage plan — but their doctors might not be your doctors.

Before you turn 65 and copy someone else's plan, confirm these 3 things:

✅ Are YOUR doctors in-network?
✅ Are YOUR medications covered at a competitive cost?
✅ Is YOUR preferred hospital in-network?

If all three check out — great. If not, that plan could cost you more than you think.

📅 Free Medicare consultation — link in bio. No pressure, just answers.

05/16/2026

One form helped lower my client’s Medicare costs by $385/month. Most retirees have never heard of it. If you're paying more for Medicare than you expected, this may be why. Watch the full breakdown below.

https://www.youtube.com/watch?v=o1vWuOWl4cE

05/13/2026

Turning 65 this year? Here's what Medicare is actually going to cost you in 2026 — real numbers, no fluff.

Medicare Part B (your medical coverage) is $202.90 per month. If you're already collecting Social Security, it comes straight out of your check before you see it. If not, Medicare bills you quarterly.

On top of that, there's a $283 annual deductible for Part B.

Here's the part most people don't realize: Medicare only pays 80% of your medical bills. You're responsible for the remaining 20% — and there is no cap on that number. No maximum out-of-pocket. Ever.

That's why most people turning 65 add either a Medicare Supplement plan or a Medicare Advantage plan — to protect themselves from open-ended bills.

Which one is right for you depends on your specific situation. Drop a comment or book a free call and we'll walk you through it together.

Not affiliated with or endorsed by Medicare or any government agency. Plan costs vary by location and income. Figures shown are for 2026 and subject to change.

05/12/2026

Your Medicare Part B premium in 2026 is NOT a fixed number — it depends on what you earned in 2024.

The standard premium this year is $202.90 per month. But if you filed individually and earned over $109,000 in 2024 — or over $218,000 filing jointly — Medicare charges you more. It's called IRMAA: the Income Related Monthly Adjustment Amount.

It applies to both Part B and Part D, and it increases in steps based on your income bracket.

A lot of people heading into Medicare this year have no idea this is coming. They budget for $202.90 and then get a very different number in the mail.

If you're not sure where your 2024 income puts you on the IRMAA scale, drop a comment or book a free call — we'll walk you through it in plain language.

12/12/2025

"One of the most challenging parts of my work is meeting people who feel confused because they have spoken with multiple agents and received different information. Medicare is important, and it helps to feel confident in who you choose to guide you. Before working with anyone, take a moment to look them up, check their website or social media, and make sure their approach is focused on education rather than pressure.

My priority is to offer clarity, honesty, and support from the very first conversation.

📞 Call: (954) 281-5622
📧 Email: [email protected]

I am here to help you understand your Medicare options with confidence.

Disclaimer: Not connected with or endorsed by the U.S. Government or the federal Medicare program. Plan availability and eligibility vary by location and insurance carrier.
Agency NPN: 19921707"

Your Kids Want You To Call MeIf you’re turning 65 soon, your family may be asking about Medicare, and it’s normal to fee...
12/10/2025

Your Kids Want You To Call Me
If you’re turning 65 soon, your family may be asking about Medicare, and it’s normal to feel unsure about where to start. Many adult children want to help but don’t fully understand Medicare themselves, which can create stress for everyone.

What most families really want is clear guidance from someone they can trust. That’s what I’m here for — to explain your options, answer your questions, and help you make informed decisions at your own pace.

If you or your loved ones are feeling overwhelmed, I can help bring clarity and peace of mind.

📞 Call: (954) 281-5622
📧 Email: [email protected]

Disclaimer: Not connected with or endorsed by the U.S. Government or the federal Medicare program. Plan availability and eligibility vary by location and insurance carrier.
Agency NPN: 19921707

Address

12855 Southwest 136th Avenue Suite 105
Miami, FL
33186

Opening Hours

Monday 10am - 5pm
Tuesday 10am - 5pm
Wednesday 10am - 5pm
Thursday 10am - 5pm
Friday 10am - 5pm

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+18005057603

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