Wilfinger Health & Life

09/25/2025

MEDICARE 2026 is COMING:

There are many significant changes this year. Carriers are leaving the state. Others are eliminating plans. Some premiums, copays/coinsurances & benefits are changing. Don’t get caught in January with only Original Medicare, paying more for services and/or losing benefits
Where do you start?
1. Read your Annual Notice of Changes document. (You should have it by end of Sep.) NOTE: It does not include prescription formulary or doctor changes
2. You will receive a notice if your plan is being eliminated. You need to pick a new plan, if you do not want only original Medicare
What else can you do? Let me take the aggrevation, stress & confusion away from you! I find the plan that fits you best!
Annual Enrollment Oct 15th- Dec 7th

Call me for a free consultation Tammy 586-604-7632
Please share on your fb page

09/09/2025

It’s that time of year! Medicare Annual Enrollment will be here soon. The changes this year are SIGNIFICANT. Some of the top plans are being eliminated. Several others have changes to premium, deductible, copays, counsurances & some prescriptions removed or higher tier. Please share this with all you know on Medicare. I’ve been an Independent Medicare Advisor for 16yrs. Call or text me 586-604-7632 for a free review
Please share I am trying to get the word out!
DON’T Be SURPRISED IN JAN ‘26

Tammy 586-604-7632

I will have my website, www.whi-mi.com updated Oct 1st with ‘26 info

09/09/2025

It’s that time of year! Medicare Annual Enrollment will be here soon. The changes this year are SIGNIFICANT. Some of the top plans are being eliminated. Several others have changes to premium, deductible, copays, counsurances & some prescriptions removed or higher tier. Please share this with all you know on Medicare. I’ve been an Independent Medicare Advisor for 16yrs. Call or text me 586-604-7632 for a free review
Please share I am trying to get the word out!
DON’T Be SURPRISED IN JAN ‘26

Tammy 586-604-7632

I will have my website, www.whi-mi.com updated Oct 1st with ‘26 info

06/13/2025

😁😁

09/16/2024

𝙃𝙚𝙖𝙙𝙨 𝙪𝙥, 𝙈𝙚𝙙𝙞𝙘𝙖𝙧𝙚 𝙧𝙚𝙘𝙞𝙥𝙞𝙚𝙣𝙩𝙨! 𝙎𝙤𝙢𝙚 𝙞𝙢𝙥𝙤𝙧𝙩𝙖𝙣𝙩 𝙘𝙝𝙖𝙣𝙜𝙚𝙨 𝙖𝙧𝙚 𝙘𝙤𝙢𝙞𝙣𝙜 𝙞𝙣 2025 𝙩𝙝𝙖𝙩 𝙘𝙤𝙪𝙡𝙙 𝙖𝙛𝙛𝙚𝙘𝙩 𝙮𝙤𝙪𝙧 𝙘𝙤𝙨𝙩𝙨 𝙖𝙣𝙙 𝙘𝙤𝙫𝙚𝙧𝙖𝙜𝙚:
1. 𝘾𝙤𝙫𝙚𝙧𝙖𝙜𝙚 𝙂𝙖𝙥 “𝘿𝙤𝙣𝙪𝙩 𝙝𝙤𝙡𝙚”: Is going away.
2. 𝙋𝙧𝙚𝙨𝙘𝙧𝙞𝙥𝙩𝙞𝙤𝙣 𝘾𝙤𝙨𝙩𝙨: Capped at $2000. You do not pay after $2000 for prescriptions. you take, if they are listed in your plan’s formulary (list).
3.𝙋𝙧𝙚𝙨𝙘𝙧𝙞𝙥𝙩𝙞𝙤𝙣𝙨: Hundreds of prescriptions may be eliminated, from some plans. You will pay retail price if your drug is not on your plan’s formulary.
4. 𝙃𝙞𝙜𝙝𝙚𝙧 𝙋𝙧𝙚𝙢𝙞𝙪𝙢𝙨: Be prepared for increased monthly premiums on some plans.
5. 𝙄𝙣𝙘𝙧𝙚𝙖𝙨𝙚𝙙 𝘾𝙤𝙨𝙩 𝙎𝙝𝙖𝙧𝙞𝙣𝙜: Expect higher copays on some services & deductibles.
6. 𝙍𝙚𝙙𝙪𝙘𝙚𝙙 𝙎𝙚𝙧𝙫𝙞𝙘𝙚 𝘾𝙤𝙫𝙚𝙧𝙖𝙜𝙚: Potential reduced or eliminated coverages, (dental, vision, chiropractic, OTC allowances & more.)
7. 𝙄𝙣𝙘𝙧𝙚𝙖𝙨𝙚𝙙 𝘾𝙤𝙨𝙩 𝙎𝙝𝙖𝙧𝙞𝙣𝙜: You may see higher copays for certain services.
𝙃𝙤𝙬 𝙙𝙤 𝙮𝙤𝙪 𝙨𝙩𝙤𝙥 𝙩𝙝𝙚𝙨𝙚 𝙘𝙝𝙖𝙣𝙜𝙚𝙨 𝙛𝙧𝙤𝙢 𝙖𝙛𝙛𝙚𝙘𝙩𝙞𝙣𝙜 𝙮𝙤𝙪? 𝙎𝙩𝙖𝙮 𝙞𝙣𝙛𝙤𝙧𝙢𝙚𝙙 & 𝙥𝙡𝙖𝙣 𝙖𝙝𝙚𝙖𝙙! 𝙏𝙝𝙚 𝙗𝙚𝙨𝙩 𝙬𝙖𝙮 𝙩𝙤 𝙙𝙤 𝙩𝙝𝙖𝙩, 𝙞𝙨 𝙘𝙤𝙣𝙩𝙖𝙘𝙩 𝙢𝙚 𝙛𝙤𝙧 𝙖 𝙛𝙧𝙚𝙚 𝙧𝙚𝙫𝙞𝙚𝙬 𝙤𝙛 𝙮𝙤𝙪𝙧 𝙘𝙪𝙧𝙧𝙚𝙣𝙩 𝙥𝙡𝙖𝙣 & 𝙞𝙩’𝙨 𝙘𝙝𝙖𝙣𝙜𝙚𝙨. 𝙄 𝙬𝙞𝙡𝙡 𝙛𝙞𝙣𝙙 𝙖 𝙥𝙡𝙖𝙣 𝙬𝙞𝙩𝙝 𝙩𝙝𝙚 𝙗𝙚𝙨𝙩 𝙘𝙤𝙫𝙚𝙧𝙖𝙜𝙚 & 𝙘𝙤𝙨𝙩 𝙛𝙤𝙧 𝙮𝙤𝙪𝙧 𝙣𝙚𝙚𝙙𝙨.
𝗖𝗮𝗹𝗹 𝗺𝗲 𝗻𝗼𝘄, 𝗳𝗼𝗿 𝗮𝗻 𝗮𝗽𝗽𝗼𝗶𝗻𝘁𝗺𝗲𝗻𝘁, 𝗱𝘂𝗿𝗶𝗻𝗴 𝗔𝗻𝗻𝘂𝗮𝗹 𝗘𝗻𝗿𝗼𝗹𝗹𝗺𝗲𝗻𝘁, 𝗢𝗰𝘁 𝟭𝟱𝘁𝗵-𝗗𝗲𝗰 𝟳𝘁𝗵, 𝟱𝟴𝟲-𝟲𝟬𝟰-𝟳𝟲𝟯𝟮. 𝗜 𝗹𝗼𝗼𝗸 𝗳𝗼𝗿𝘄𝗮𝗿𝗱 𝘁𝗼 𝗵𝗲𝗹𝗽𝗶𝗻𝗴 𝘆𝗼𝘂 𝘁𝗵𝗿𝘂 𝘁𝗵𝗶𝘀 𝗰𝗼𝗺𝗽𝗹𝗶𝗰𝗮𝘁𝗲𝗱 & 𝗰𝗼𝗻𝗳𝘂𝘀𝗶𝗻𝗴 𝐞𝐧𝐫𝐨𝐥𝐥𝐦𝐞𝐧𝐭 𝐩𝐞𝐫𝐢𝐨𝐝.
𝗣𝗹𝗲𝗮𝘀𝗲 𝘀𝗵𝗮𝗿𝗲 𝘁𝗵𝗶𝘀 𝗶𝗻𝗳𝗼𝗿𝗺𝗮𝘁𝗶𝗼𝗻 𝘄𝗶𝘁𝗵 𝗲𝘃𝗲𝗿𝘆𝗼𝗻𝗲 𝘆𝗼𝘂 𝗸𝗻𝗼𝘄 𝗼𝗻 𝗠𝗲𝗱𝗶𝗰𝗮𝗿𝗲. 𝗔𝗹𝗺𝗼𝘀𝘁 𝗮𝗹𝗹 𝘄𝗶𝗹𝗹 𝗯𝗲 𝗮𝗳𝗳𝗲𝗰𝘁𝗲𝗱 𝗯𝘆 𝘁𝗵𝗲𝘀𝗲 𝗰𝗵𝗮𝗻𝗴𝗲𝘀! 𝗜’𝘃𝗲 𝗴𝗼𝘁 𝘆𝗼𝘂 𝗰𝗼𝘃𝗲𝗿𝗲𝗱! 𝗧𝗮𝗺𝗺𝘆

05/04/2023

I heard them all. Over & over. 😄😄

wow! (via Kitchn Fun with my 3 sons)

04/28/2023

ATTENTION MEDICAID BENEFICIARIES!

It's time for your annual redetermination! This is an important process that ensures you continue to receive the health benefits you need. Please check your mail for a notice from your local Medicaid agency and respond promptly to avoid any interruption in your coverage. If you do not fill out & send in the redetermination forms you could lose your Medicaid Benefits. If you have any questions or need assistance, contact me at 586-604-7632. Don't delay, act now to keep your healthcare coverage active.

Wilfinger Health + Life is in The Business of Reimagining Your Health Insurance Experience

03/22/2023

So true & sad. Contact me. I can make sure this doesn’t happen to you. DM or 586-604-7632 Tammy

03/19/2023

WERE YOU BORN IN 1958?
Me Too!
We're a Little Bit Disco & a Little Bit Rock N Roll!
And Now We are the Medicare Class of '23

Are you aggravated with all the junk mail? Fed up with the constant phone calls? And just want straight up answers to your Medicare questions?
I am here! We do it together in 3 Simple Steps:
1. Discover & Assess: We get to know each other. I learn your needs
2. Evaluate & Select: Who are your doctors? What prescriptions do you take? What's most important to you? I use this info to select the best fit plan for you
3. Enroll & Review: I enroll you, go over next steps, review your benefits and how to use them.
And I do not disappear! I am your person! Message or call me ASAP! 586-604-7632 Tammy
LET'S GO MEDICARE CLASS OF '23!

09/20/2022

Medicare Annual Enrollment is coming Oct 15th-Dec 7th. Let's get together and review your current plan and options! Call me 586-604-7632

A Kaiser Family Foundation analysis of 62 studies found that Medicare Advantage and traditional Medicare beneficiaries report similar levels of satisfaction with their care and care coordination. MA beneficiaries, however, were more likely to receive preventive care services and have lower rates of....

03/24/2022

A new special enrollment period allows applicants with an income that doesn't exceed 150% of the federal poverty level to enroll in ACA-compliant health insurance through the marketplace at any time during the year.

Call me with questions you may have on this new special enrollment period today at 586-604-7632.

03/22/2022

Sometimes Medicare Plans change without you knowing. Has yours?
Now’s the time to review.

Call Wilfinger Health and Life at 586-604-7632 for a FREE Review and Consultation.

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