Benefit Advisors Group, LLC

10/16/2026

Medicare Planning Is About More Than Premiums. It's About Managing Financial Risk.

When choosing between a Medicare Supplement (Medigap) plan and a Medicare Advantage plan, one important question to ask yourself is:

How much financial risk am I comfortable taking on if a major health event strikes?

A lower monthly premium may be appealing, but what happens if you're diagnosed with cancer, suffer a heart attack, or require an extended hospital stay?

Understanding the difference between paying more upfront for predictable costs versus potentially paying more when you need care is an important part of Medicare planning.

🎥 In this video, I discuss why managing financial risk should be part of your Medicare decision. After all, Medicare is the interesection of your health coveage and financial wellness!

It's your health. It's your wealth.

10/15/2026

Medicare Annual Enrollment starts today. Review before you renew.

The headlines may say the Medicare market is “stable” for 2027, but here in Massachusetts the picture is more complicated.

There are 10 stand-alone Part D plans available statewide for 2027. Of the 8 continuing plans we compared year over year, 6 increased their monthly premium, and some individual increases were more than $80 per month.

On the Medicare Advantage side, many $0-premium plans are still available, but some have higher drug deductibles, specialist copays, or maximum out-of-pocket limits.

The takeaway is simple: don’t judge your 2027 coverage by premium alone.

Look at your doctors, prescriptions, pharmacy, deductibles, copays, maximum out-of-pocket exposure, and the benefits you actually use.

Medicare Annual Enrollment runs October 15 through December 7.

Review before you renew.

10/14/2026

At Benefit Advisors Group, we're proud to be a community-first agency. We believe Medicare guidance should be personal, accessible, and available right here in the communities we serve.

We're happy to partner with Andover Elder Services and The Robb Center, offering free, one-on-one Medicare consultations on Tuesdays and Fridays during Medicare's Annual Enrollment Period.

Whether you have questions about your current coverage, changes for 2027, or simply want a second opinion, we're here to help!

📅 Appointments are limited. Call The Robb Center at 978-623-8320 to reserve your spot.

📣 It's that time again...Medicare Open Enrollment! We know navigating Medicare options can feel confusing, so we've arranged for our friends from Benefit Advisors Group, LLC to be here to help!

📆 30-minute appointments are available every Tuesday from October 20 - December 01.

Appointments are limited, so call the Front Desk to reserve your spot. (978) 623-8320

10/13/2026

On Medicare? Review before you Renew!

10/03/2026

Yesterday, the Trump administration announced a one time payment to Medicare beneficiaries to help pay their part B premiums.

Most beneficiaries will receive the one time payment of $90 in October.

Stay tuned for a video discussing this once I’ve had a chance to dig into it.

https://www.whitehouse.gov/fact-sheets/2026/10/fact-sheet-president-donald-j-trump-announces-medicare-improvement-fund-payments-for-seniors/?fbclid=IwZnRzaAUuXYxleHRuA2FlbQIxMQBwZG9mAWZkaWQWUPnqkyzpg_TNq4xRzT549s3hpsKw03NydGMGYXBwX2lkCjY2Mjg1NjgzNzkAAR4SY926FSGePe-Ud5KD5zAht7MpW1D7bF4ztvjc5Lj95FMK1kXNrbtyJcxDOQ_aem_kiXR1gSAHgXlGrEgWhSQrg

IMPROVING MEDICARE FOR SENIORS: Today, President Donald J. Trump announced that the federal government will be making one-time payments of $90 per

10/02/2026

Excited to be at the Saugus Senior Center Health & Wellness fair!

We are here sharing the important topics coming up for this years Medicare Annual Enrollment Season, which runs from Oct 15th - Dec 7th.

A link to our online workshop is in the comments.

Medicare is the intersection of your health coverage and financial wellness!

10/01/2026

An estimated 3.1 million Medicare Advantage members nationwide are facing a plan termination for 2027.

Today, we sent this message to our affected Massachusetts and New Hampshire clients.

If your Medicare Advantage or prescription drug plan is terminating, this is not a routine benefit change. Your current plan is ending, and you need to select new coverage for 2027.

In the video, I explain what happens if you do nothing, the enrollment periods available to you, and why it is important to address this during Annual Enrollment, October 15 through December 7.

For our clients with terminating plans, we are prioritizing these reviews early so there is enough time to evaluate doctors, prescriptions, costs, and replacement options.

Bottom line: A terminating plan requires action.

09/30/2026

Your healthcare needs can change year to year — shouldn't your Medicare coverage change with them?

✅ Review your current plan and coverage
✅ Compare your options for better value
✅ Choose with confidence during Open Enrollment

Don't let this window pass you by. Once it closes, you're often locked into your plan for another year.

Let's make sure you're getting the coverage you deserve — reach out today!

09/29/2026

Every year, thousands of people unknowingly make costly mistakes during Medicare's Annual Enrollment Period. Don't let one of these be you:

❌ Auto-renewing without reviewing
❌ Ignoring your Annual Notice of Change
❌ Choosing based only on premium
❌ Not checking your prescriptions
❌ Forgetting provider networks

A little time now can prevent big surprises later.
Review. Compare. Choose wisely.

09/29/2026

If someone at your senior center SHINEs a light and tells you to enroll with the big colorful carrier, I have two questions.

First, why are you making a Medicare decision based on a casual recommendation from a volunteer instead of an actual comparison of your options?

And second...

Have you asked whether the colorful carrier even wants all that new Medicare Advantage business?

Here is what caught my attention for 2027:

According to the CMS enrollment data I reviewed, only one Medicare Advantage carrier in Massachusetts is putting a cap on enrollment for 2027.

It also happens to be the carrier associated with a certain very familiar color.

And it is the only Medicare Advantage carrier in Massachusetts doing it.

That deserves some questions.

Especially when you look at what has happened over the last couple of years.

This colorful Massachusetts insurer reported:

$223.6 million in net losses in 2024.

$222.8 million in net losses in 2025.

That is nearly $446 million in net losses over two years.

Its operating losses totaled approximately $781 million over those same two years. The company itself described facing “significant financial challenges” and said it was aggressively managing administrative spending.

Then came the cost cutting.

Nearly 800 employees were offered voluntary separation packages, and approximately 270 employees ultimately left through the program. The company has also eliminated an undisclosed number of additional positions.

Now think about this as a Medicare consumer.

Hundreds of millions of dollars in losses.

Hundreds of employees leaving.

Additional positions eliminated.

Administrative expenses being cut.

And now the company is the only Medicare Advantage carrier in Massachusetts limiting how much new enrollment it will accept for 2027.

Would that automatically stop me from recommending one of its plans?

No.

But would I blindly choose that company because I've carried the same color insurance card for 20 or 30 years?

Absolutely not.

I would be asking some questions.

When administrative expenses and staffing are being reduced, what could that ultimately mean for member support?

Will there be enough people available when you have an enrollment problem?

A billing issue?

A claim that needs to be fixed?

A provider problem?

Those things matter too.

This is exactly why “I've always had them” is not a Medicare strategy.

Your doctors matter.

Your prescriptions matter.

Your network matters.

Your premium and copays matter.

Your maximum out-of-pocket matters.

And yes, the company standing behind the plan matters.

So if someone tells you:

“Just go with the colorful one.”

My advice is simple:

Ask a few more questions first.

That familiar color may have tremendous brand recognition in Massachusetts.

But brand recognition isn't a Medicare benefit.