Jeff Wildey - Independent Licensed Agent

09/03/2026

Here’s a Medicare enrollment period that often gets confused with Annual Enrollment.

Your federal Medigap Open Enrollment Period lasts six months. It begins the first month you’re both:

🔹 Age 65 or older
🔹 Enrolled in Medicare Part B

During this one-time window, you can generally purchase any Medigap/Supplement policy sold in your state without being denied because of your health history.

This is different from Medicare’s Annual Enrollment Period—and it doesn’t repeat every fall.

Timing matters, so it’s worth understanding your options before your six-month window begins.

Send a message to learn more

09/02/2026

Medicare’s yearly Wellness visit is not the same thing as a traditional annual physical.

The Wellness visit focuses on prevention and planning. It may include:

✅ Reviewing your health history
✅ Checking medications and providers
✅ Identifying health risks
✅ Reviewing recommended screenings
✅ Developing a personalized prevention plan

If you ask your provider to address a new health concern or perform services outside the preventive visit, additional costs may apply.

Before your appointment, ask the office what type of visit is being scheduled and what it includes.

Send a message to learn more

09/01/2026

Still working when you turn 65? Don’t assume that automatically means you should delay Medicare.
One of the first questions to ask is:

“How many employees does my employer have?”

If you’re covered through your or your spouse’s current employment, the size of the employer can help determine whether the employer plan or Medicare pays first.

Other things matter too—including whether the coverage is based on current employment and whether your prescription coverage is considered creditable.

Before making a decision, speak with your employer’s benefits department and review your Medicare options.

We’re happy to help you ask the right questions.

Send a message to learn more

08/31/2026

Turning 65 doesn’t give you just one month to enroll in Medicare.

For most people, the Initial Enrollment Period lasts seven months:

🔹 The three months before your 65th birthday month
🔹 Your birthday month
🔹 The three months after it

But when you enroll can affect when your coverage begins—and the rules may be different if you’re still working and have qualifying employer coverage.

Planning ahead can help prevent an unexpected gap in coverage.

Turning 65 soon? Send us a message and we’ll help you understand your timeline.

📞 239-431-0999

Legacy Benefits LLC
Never Navigate Retirement Alone

08/30/2026

**Our business runs on referrals. ❤️**

You may not need Medicare help today.

But chances are you know someone who does.

Maybe it's a friend who's turning 65.

A neighbor who's retiring.

A family member who's overwhelmed by all the Medicare mail showing up in their mailbox.

Or someone who simply wants a second set of eyes on their current coverage.

If you hear someone say…

**“I don't understand this Medicare stuff.”**

We'd be grateful if you'd think of Legacy Benefits.

A referral is one of the greatest compliments you can give a small local business. 🤝

Send a message to learn more

08/29/2026

**Turning 65 soon? Don't wait until your birthday to start thinking about Medicare. 🎂**

For most people, the Initial Enrollment Period is a **7-month window**:

➡️ 3 months before your 65th birthday month
➡️ Your birthday month
➡️ 3 months afterward

But when you should enroll can depend on your situation — especially if you or your spouse are still working and you have employer coverage.

If 65 is approaching, getting your questions answered early can make the transition much easier.

No pressure. No obligation. Just information so you know what your options are.

Send a message to learn more

08/28/2026

**Why Legacy Benefits?**

Because we believe Medicare should feel personal.

You shouldn't have to call an 800 number and speak with someone different every time you have a question.

You should have someone you know.

Someone you can call.

Someone who will explain your options in plain English and still be there after you've enrolled.

That's the kind of Medicare agency we're building with Legacy Benefits.

**Independent guidance. Personal service. Long-term relationships.**

Because choosing your coverage is important — but having someone you can turn to afterward matters too.

Send a message to learn more

08/27/2026

**Does a $0-premium Medicare Advantage plan mean your healthcare is free?**

No — and this is an important distinction.

Some Medicare Advantage plans may have a $0 monthly plan premium, but you can still have costs such as:

• Copays
• Coinsurance
• Deductibles
• Prescription costs
• Your Medicare Part B premium

That's why we don't believe you should choose a Medicare plan based on one number.

You need to look at the **whole picture** — doctors, prescriptions, benefits and potential out-of-pocket costs.

The lowest premium isn't automatically the best value.

08/26/2026

**Quick Medicare question…**

What part of Medicare do you find the MOST confusing?

A) Part A vs. Part B
B) Medicare Advantage vs. Medicare Supplement
C) Prescription drug coverage
D) Enrollment periods
E) What Medicare actually costs
F) All of the above 😳

Drop your letter below.

We'll use the answers to decide what Medicare topics we cover here over the next few weeks.

Send a message to learn more

08/25/2026

**One of the biggest Medicare mistakes?**

Assuming the plan you have today will always be the best fit.

Your health can change.
Your prescriptions can change.
Your doctors can change.
And Medicare plans can change from year to year, too.

That's why reviewing your coverage isn't necessarily about **changing** plans.

Sometimes the best outcome of a review is discovering that you're already exactly where you should be.

And that's perfectly okay.

Our goal is to help you understand what you have and make an informed decision — even when that decision is to stay right where you are.

Send a message to learn more