Sam Olson Insurance Services

Directions Website

Sam Olson Insurance Services Sam Olson Insurance Services provides education and planning for Medicare beneficiaries and Life Insurance for all ages.

10/13/2026

Is switching to Innovative G worth it? It depends on your situation.

I walk through two cases: one where switching made sense and one where it didn’t.

The same plan can be a good fit for one person and a poor fit for another. Look beyond the monthly premium before making a change.

10/11/2026

JUST YOU WAIT

10/11/2026

🚨 UnitedHealthcare and Lee Health are parting ways. What does this mean for Medicare beneficiaries in Southwest Florida?

If you have a UnitedHealthcare Medicare Advantage plan and receive care through Lee Health, you need to understand how this could affect your access to doctors, hospitals, and other healthcare services.

This is one of the biggest concerns with Medicare Advantage plans. Provider networks can change, and the doctors and hospitals you have access to today may not be available tomorrow.

⚠️ And here’s something many people don’t realize: Switching from Medicare Advantage to Original Medicare with a Medicare Supplement isn’t always guaranteed. Depending on your circumstances, you may have to medically qualify.

Before making any decisions, understand your options and the potential consequences.

10/08/2026

Can you leave Medicare Advantage and switch to a Medicare Supplement whenever you want? 🤔

This is one of the biggest misconceptions I encounter when helping people with Medicare.

While you may have opportunities to leave Medicare Advantage and return to Original Medicare, that doesn’t necessarily mean an insurance company has to accept you for a Medicare Supplement.

Depending on your circumstances, you could be subject to medical underwriting and potentially denied coverage.

There are important exceptions, including guaranteed issue rights and certain state protections.

That’s why I encourage people to think beyond what their Medicare coverage looks like TODAY.

A decision you make at 65 could impact the options available to you at 75 or 85.

Understanding the long-term implications is just as important as understanding the benefits.

10/08/2026

Turning 65 and planning to delay Medicare? Here’s a question you might not have considered. 🤔

You’ve confirmed that your employer coverage allows you to safely delay Medicare without penalties.

But how do you actually delay it?

Do you need to contact Social Security? Complete an application? Formally request a delay?

You might be surprised by just how simple the process can be!

In this video, I explain what you need to know about delaying Medicare when you’re eligible.

Sometimes the simplest questions have the most surprising answers!

10/08/2026

Innovative Plan G vs. High-Deductible Plan G. Let’s clear up the confusion!

Both can be great alternatives to traditional Plan G, but they aren’t designed to accomplish the same thing.

High-Deductible G is about keeping your monthly premiums low while accepting more out-of-pocket responsibility.

Innovative G offers a different balance between premiums and out-of-pocket costs, with the potential to transition to more comprehensive coverage over time.

But here’s what matters most: How long are you willing to take on additional financial risk to save on premiums?

There’s a big difference between making that decision at 65 and living with it at 85.

Neither plan is automatically the better choice. It comes down to your finances, risk tolerance, and long-term Medicare strategy.

10/07/2026

How important is an insurance company’s financial rating when choosing a Medicare Supplement? 🤔

It matters, but it’s not necessarily my biggest concern.

Why? Because federal law provides guaranteed-issue protections if your Medicare Supplement company becomes insolvent and you lose your coverage.

That’s why I tend to put more emphasis on customer service.

How does the company handle billing issues? Are they responsive when problems arise? How easy are they to work with?

Financial stability is important, but a great financial rating doesn’t automatically mean a great customer experience.

When helping clients choose a Medicare Supplement, I look at the bigger picture.

10/04/2026

You may have heard that the government is sending $90 to help Medicare beneficiaries offset the cost of their Part B premium.

But not everyone is getting it.

The payment is going to roughly 20 million qualifying beneficiaries on Original Medicare. If you’re enrolled in Medicare Advantage, you’re excluded — even though you still pay the Medicare Part B premium.

Why? The money is coming from the Medicare Improvement Fund, which is specifically tied to the Original Medicare fee-for-service program.

So while the intent is to help with the cost of Part B, the source of the funding determines who actually gets the $90.

I break down what’s happening and why in this video.

MedicareNews

10/03/2026

“I don’t take any medications. Why do I need a Part D drug plan?”

Because Part D isn’t only about what you take today. It’s also about protecting yourself if your health or prescriptions change unexpectedly.

Going without creditable drug coverage can also lead to a late enrollment penalty, and you generally can’t just sign up for Part D whenever you want.

You may not need prescriptions today. That doesn’t mean you won’t need them tomorrow.

MedicarePlanning

10/03/2026

Do you have to go through underwriting for Innovative Plan G?

In most cases, yes, unless you’re in your Medigap Open Enrollment Period or have a Guaranteed Issue right.

But I think there’s a bigger question to consider.

If you’re concerned that your health could prevent you from passing underwriting, Innovative G may not be the right fit in the first place.

It’s not just about getting into the plan. It’s about whether the additional risk you’re taking on makes sense for your situation.

Medicare decisions should be personal.

Turning65

Address

433 Soscol Avenue Suite A-122
Napa, CA
94559

Opening Hours

Monday 8am - 5pm
Tuesday 8am - 5pm
Wednesday 8am - 5pm
Thursday 8am - 5pm
Friday 8am - 5pm
Saturday 8am - 12pm

Website

Alerts

Be the first to know and let us send you an email when Sam Olson Insurance Services posts news and promotions. Your email address will not be used for any other purpose, and you can unsubscribe at any time.

Shortcuts

Share

Category