Wealth Preservation Associates

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Wealth Preservation Associates Wealth Preservation Associates is a concept as much as it is a company.

Our vision is client wealth preservation, perpetuated through the generations by employing the safety and protection of insurance based solutions.

September is a very important time of the year for Medicare beneficiaries. We are just a few weeks from the beginning of...
09/15/2026

September is a very important time of the year for Medicare beneficiaries. We are just a few weeks from the beginning of the Annual Enrollment Period. AEP runs from October 15th - December 7th, 2026. It is the time of year that you can make changes to your Medicare plan coverage. All changes made during this period will be effective January 1, 2027. September is also a very important month for all Medicare beneficiaries on a Medicare Advantage plan or a Part D Prescription Drug plan. You will receive a letter from your Insurance provider. It will contain your Annual Notice of Change (ANOC). This document will highlight any changes for your plan in 2027. These change may be minor or they may be huge including advising you that your plan will not be offered in 2027. This requires you to be proactive and make a new plan selection or you will be returned to Original Medicare. This is the time of year to reach out and set up an appointment with your Agent. If you do not have an Agent and live in Florida, New York, or New Jersey feel free to give us a call and we will help you navigate this critical Annual Enrollment Period. Call us at (407) 593-2243 or email at [email protected]

For all Medicare Beneficiaries this is a very important time of year. It is a time to start thinking about 2027. In just...
09/15/2026

For all Medicare Beneficiaries this is a very important time of year. It is a time to start thinking about 2027. In just a few short weeks the Annual Enrollment Period for Medicare begins. October 15th - December 7th, 2026 is the time when you can make plan changes to your current coverage. It is the time to contact your Agent and make that annual review appointment. It is also an extremely important time for Medicare Advantage and Part D Prescription Drug plan beneficiaries. The month of September is when you receive your Annual Notice Of Change (ANOC) from your Insurance provider. It is critical to review that document as it highlights the changes in your plan for 2027. Those changes can be minor or they can be huge including receiving advice that your plan will not be available in 2027. If a plan is terminating you MUST proactively make a change or you will be returned to Original Medicare. It is time to contact your Agent, or if you do not have an Agent and live in Florida, New York, or New Jersey give us a call (407) 593-2243 or email us at [email protected]

Medicare Part D has seen big improvements over the last two years, and many clients have been asking what’s changed. Her...
08/26/2026

Medicare Part D has seen big improvements over the last two years, and many clients have been asking what’s changed. Here’s a quick breakdown:

• As of 2026, your annual out-of-pocket max for covered prescriptions is now capped at $2,100 (previously $8,000). 2027 may change. Stay informed with us.
• Part D now has three phases instead of four—Deductible, Initial Coverage, and Catastrophic.
• The Prescription Payment Plan (PPP) can spread high medication costs over 12 months at no interest for those who qualify.
• Vaccines are now $0.
• Covered insulins are capped at $35 (some exceptions apply).
• Fewer standalone Part D plans are available, and some premiums/deductibles have increased—review your options each year.

There’s also early news about a government-funded medication purchasing site called TrumpRx.gov. Check it out. In the meantime, discount sites like GoodRx and RxSaver may also help reduce costs (just note: purchases don’t count toward your Part D totals).

Effective July 1, 2026 CMS GLP-1 Bridge Program. The Program is targeted at beneficiaries who require GLP-1 medications for weight loss.

If you have questions about your coverage, I’m always here to help. Call Joe McQuaid 407 593 2243

If you are a Medicare beneficiary and are currently enrolled in a Medicare Advantage or Prescription Drug plan, in just ...
08/24/2026

If you are a Medicare beneficiary and are currently enrolled in a Medicare Advantage or Prescription Drug plan, in just a few short weeks you will be receiving your Annual Notice of Change (ANOC). Most people mistake this for marketing mail or junk mail. It is NOT!! It is an important document that lets you know what your 2027 plan will look like. There may be minimal changes, but there could be significant changes all the way up to and including termination of your plan for 2027. Please retain and review this document. As an Agent one of my most important functions during Annual Enrollment Period (AEP) is to assist folks to understand their ANOC. If you need some assistance please reach out through our social media page or call us at 407 593 2243 or email at [email protected]

Many clients have been asking about the differences between Medicare Advantage and Medicare Supplement plans, so here’s ...
08/19/2026

Many clients have been asking about the differences between Medicare Advantage and Medicare Supplement plans, so here’s a helpful breakdown:

• Medicare Advantage (MA) typically offers low or $0 monthly premiums and is administered by private insurers who deliver all your Medicare-covered services.
• Medicare Supplement (MS) usually costs around $200+ per month and works alongside Medicare A & B to cover gaps like deductibles and copays.
• MA plans use networks—HMOs require in-network care, while PPOs allow out-of-network options at a higher cost.
• Medicare A & B with an MS plan lets you see any doctor who accepts Medicare—no networks.
• MA often includes dental, vision, hearing, and Part D drug coverage. MS plans do not include drug coverage, so a separate Part D plan is needed.

Annual Enrollment runs October 15–December 7, 2026. If you’d like help reviewing your options, I’m always here to support you!

Each year we are finding new and more complex regulatory changes that affect our health coverage. We are also in an age ...
08/12/2026

Each year we are finding new and more complex regulatory changes that affect our health coverage. We are also in an age where every conceivable solution can be reviewed using AI. What does this mean for Affordable Care Act beneficiaries trying to understand their options and preferred solutions? It means hundreds if not thousands of data points that need to be filtered down to the right fit for you. And what happens when it is time for Medicare? Essentially the same process, but at even higher levels of complexity! As your Agent it is my added value to walk you through the complex options and help you break it down to the solution that fits your needs. That is my number one introductory role, HOWEVER I serve a much more important function and that is to remain with you after your initial enrollment to navigate the ongoing complexities of Health Insurance. Call us for a complimentary review of your needs. Joe McQuaid 407 593 2243. Don't forget Medicare Annual Enrollment is 10/15-12/7/26. and ACA Open Enrollment is 11/1-12/15/26

07/06/2026

Hoping all had a wonderful 4th Of July !!!

05/28/2026

Many clients have recently been asking about the differences between Medicare Advantage and Medicare Supplement plans, so here’s a quick overview of what’s happening in the current Medicare landscape:

• Medicare Advantage (MA) remains a strong option for many, especially with low or no monthly premiums.
• Medicare Supplement (MS) plans typically cost around $200+ per month but pair with Medicare A & B to cover many gaps.
• MA plans use provider networks: HMOs require staying in-network, while PPOs allow out-of-network options at higher cost.
• Medicare A & B + MS allow you to see any doctor who accepts Medicare—no networks.
• MA plans often include extras like dental, vision, hearing, and Part D drug coverage.
• Medicare/MS requires a separate Part D plan for prescriptions.

I’ll continue monitoring industry changes and will share updates as they come. Annual Enrollment for 2026 runs from October 15–December 7. If you ever want to review your options, I’m here to help.

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Palm Coast, FL
32137

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Monday 9am - 5pm
Tuesday 9am - 5pm
Wednesday 9am - 5pm
Thursday 9am - 5pm
Friday 9am - 5pm

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