Legacy Benefits LLC - Independent Licensed Agency

10/18/2026

“Can’t I just keep the Medicare plan I already have?”

Often, yes—if it’s still offered and continues to meet your needs.

But keeping the same plan name doesn’t necessarily mean keeping the same costs, benefits, provider network, or prescription coverage.

Take a few minutes to review your Annual Notice of Change, then ask:

• Are my doctors still in-network?
• Are my medications still covered, and at what cost?
• Have my copays or other costs changed?
• Does this coverage still fit my needs for 2027?

If your plan is ending, contact us promptly so we can review your notice and next steps.

A review gives you information to make a confident decision—even if you decide to stay where you are.

📞 Legacy Benefits LLC: 239-431-0999

10/17/2026

A little preparation can make your Medicare review much easier. 📝

Before your appointment, gather:

✅ Your Medicare card and current plan information
✅ Your medications, including dosage and how often you take them
✅ Your preferred pharmacy
✅ Your doctors, specialists, and hospitals
✅ Any letters about changes to—or termination of—your current plan
✅ Your questions and concerns

Also tell us about travel plans or changes in your health needs.

We’ll use that information to compare coverage around what matters to you.

Ready to schedule?
📞 239-431-0999

Please keep Medicare numbers and personal medical information out of public comments.

10/16/2026

HMO or PPO? Those three letters don’t tell the whole story.

With a Medicare Advantage HMO, you generally use the plan’s network for routine care. Exceptions include emergency care and out-of-area urgent care. Some plans offer additional out-of-network options.

With a Medicare Advantage PPO, you can generally receive covered care outside the network, but you’ll usually pay more.

Some HMO plans also have broader network or travel arrangements. Those benefits depend on the specific plan.

Before choosing, ask:
• Are my doctors and hospitals in this exact plan’s network?
• What happens when I travel?
• Do I need specialist referrals?
• What would out-of-network care cost?

Let’s look at how the plan works for YOUR needs.

📞 Legacy Benefits LLC: 239-431-0999

10/15/2026

Medicare Annual Enrollment begins TODAY! 📅

From October 15 through December 7, you can review and make changes to your Medicare Advantage or Part D prescription drug coverage for 2027. Changes made during this period generally begin January 1.

Before deciding, let’s review:

✅ Your doctors and hospitals
✅ Your prescriptions and preferred pharmacy
✅ Premiums, copays, and out-of-pocket costs
✅ Changes to your current plan for 2027

You don’t have to change plans simply because it’s enrollment season. The goal is to make sure your coverage still fits your needs.

I’m looking forward to helping our clients navigate the weeks ahead with personal guidance and clear answers.

📞 Call 239-431-0999 to schedule your review.

Legacy Benefits LLC
Personal Guidance. Clear Answers. A Brighter Tomorrow.

10/14/2026

Not 65 yet? You can still reach out to Legacy Benefits. 👋

We now help people explore healthcare options for those under age 65, too.

Maybe you’re:
• Self-employed
• Retiring before Medicare eligibility
• Losing coverage through work
• Looking for coverage between jobs

Depending on your circumstances, options may include short-term medical insurance and other healthcare arrangements, along with dental and vision coverage.

The details matter: eligibility, pre-existing condition limitations, deductibles, and what is actually covered. Health-sharing arrangements are not insurance.

Let’s talk about your situation and help you understand the available options.

📞 239-431-0999
Legacy Benefits LLC

Send a message to learn more

10/13/2026

Yesterday we talked about earning income after full retirement age. Today, let’s talk about taxes.

Reaching full retirement age does not automatically make your earnings—or your Social Security benefits—tax-free.

Depending on your income and filing status, up to 85% of your Social Security benefits may be included in your taxable income.

That does NOT mean you pay an 85% tax rate.

Here are three separate things to remember:

✅ The Social Security earnings limit ends at full retirement age.
✅ Federal income taxes can still apply.
✅ Higher income can still increase Medicare premiums through IRMAA.

Understanding the difference can help you plan ahead. Talk with your tax professional about your tax situation, and reach out to Legacy Benefits with your Medicare questions.

10/12/2026

“I’ve reached full retirement age, so I can earn as much as I want…right?”

Yes—when it comes to the Social Security earnings limit. Once you reach full retirement age, your earnings no longer reduce your Social Security retirement benefits.

But higher income can still affect your Medicare premiums.

IRMAA is an income-related surcharge on Medicare Part B and Part D. It does not automatically disappear when you reach full retirement age, and it generally uses income from your tax return two years earlier.

Retired recently and your income dropped? Certain life changes may allow you to request a new determination from Social Security.

📌 Stay tuned tomorrow: Does reaching full retirement age change how your income and Social Security benefits are taxed?

Legacy Benefits LLC
Personal Guidance. Clear Answers. A Brighter Tomorrow.

10/11/2026

⏰ **Medicare Annual Enrollment begins this week.**

October 15 through December 7 is your opportunity to review your Medicare health and drug coverage and, if appropriate, make changes for 2027. Changes made during this period generally take effect January 1.

But here's something important:

**You don't have to change your plan just because Annual Enrollment arrives.**

The goal isn't to change.

The goal is to **review**.

What changed with your current coverage?

What changed with your doctors?

What changed with your prescriptions?

And what options are available for 2027?

If everything still fits, great.

If it doesn't, that's when we start looking at alternatives.

Over the next seven weeks, we're looking forward to helping our members — and those who need a second set of eyes — make sense of their options.

**October 15 – December 7**

Let's make an informed decision about 2027.

**Legacy Benefits LLC**
*Personal Guidance. Clear Answers. A Brighter Tomorrow.*

10/10/2026

💰 **$0 premium doesn't mean $0 healthcare costs.**

And the plan with the lowest monthly premium isn't automatically the plan that will cost you the least during the year.

When comparing Medicare coverage, look beyond the number in the advertisement.

Consider the whole picture:

• Doctor and specialist copays
• Hospital costs
• Prescription costs
• Deductibles
• Maximum out-of-pocket exposure
• Provider networks
• Benefits you'll actually use

A plan can look inexpensive on January 1 and feel very different after several doctor visits, prescriptions or a hospital stay.

That's why we don't believe Medicare decisions should be made by looking at **one number**.

Look at the entire picture.

**Legacy Benefits LLC**
*Personal Guidance. Clear Answers. A Brighter Tomorrow.*

Send a message to learn more