Burgau Insurance Agency

08/03/2026

Have you heard that Medicare Part D costs are expected to increase?

We've broken down what it could mean for you over on the Arachas Group, LLC page! Be sure to follow Arachas Group, LLC on Facebook and LinkedIn to stay informed with the latest insurance updates, Medicare news, and helpful tips.

You may have seen headlines claiming that Medicare Part D costs will increase because federal subsidies are ending.

Here's what you need to know:
✔️ The subsidies ending after 2026 were temporary payments to insurance companies, not direct payments to Medicare beneficiaries.
✔️ These payments were created to help insurance carriers adjust after the Inflation Reduction Act eliminated the Medicare Part D "donut hole" and introduced an annual cap on out-of-pocket prescription drug costs beginning in 2025.
✔️ As the temporary program ends, some Part D premiums may increase in 2027. However, this does not automatically mean your prescription drug costs will increase.
✔️ The end of these subsidies does not affect Medicare's Extra Help program or the annual out-of-pocket prescription drug spending cap.

The important thing to remember is that 2027 Medicare Part D plans have not been finalized yet. Insurance companies are still submitting their plans, and Medicare is reviewing them. We'll have a much clearer picture once plan details are released this fall.

Don't let alarming headlines cause unnecessary worry. Every year brings changes to Medicare, which is why reviewing your coverage during the Annual Enrollment Period is so important.

At Árachas Group Senior Solutions, we're here to help you understand your options and make informed decisions with confidence.

07/30/2026

We're excited to share this upcoming Coffee Talk with Elevate!

Join LeAnn Burgau and Summer Johannsen from Árachas Group Senior Solutions on Wednesday, August 5, from 10:00–11:00 AM at the Perham Area Community Center for an informative discussion on GLP-1 Insurance Coverage.

We also encourage you to follow the Arachas Group, LLC page to stay up to date on the latest company news, community events, and insurance insights.

We hope to see you there!

06/02/2026

If you’re turning 65 soon, retiring, or simply trying to better understand your options, join Burgau Insurance for Mastering Medicare: What You Need to Know on Monday, June 8 from 4–5:30pm at Elevate.

This helpful session will break down:
• Medicare Parts A, B, C, D and E
• Enrollment periods and timelines
• Coverage options and costs
• Common questions and confusing Medicare language

Get the information you need to make confident healthcare decisions and feel more prepared for this important transition.

RSVP appreciated: https://elevateotc.events/medicare

06/02/2026

A New Look for a Trusted Name!

We're excited to share that Burgau Insurance Agency is Árachas Group Senior Solutions — with the same dedicated team you've come to know and trust.

Our mission remains unchanged: to make Medicare simple, supportive, and personalized for everyone we serve.

As part of this transition, we will no longer be posting updates on this page. To stay connected and continue receiving our latest news, resources, and event information, please follow us on the Arachas Group, LLC Facebook and LinkedIn pages.

Here's to a new chapter with the same trusted service you've always relied on.

05/21/2026

Are you turning 65 soon? Leaving Employer coverage? Join us on June 8 at 4:00 pm to learn the basics of Medicare. Get the clarity you need to navigate Medicare with ease and ensure you're prepared for this important transition.

Turning 65 soon or retiring? Join Burgau Insurance at this Mastering Medicare session to learn the basics! They’ll simplify Medicare Parts A, B, C, D and E, guide you through enrollment periods and explain coverage and costs - helping you make informed healthcare decisions. Get the clarity you ne....

03/26/2026

🚨 Heads Up, Medicare Beneficiaries!
YES — Medicare is issuing new Medicare cards with updated numbers to about 103,000 people. If you’re one of them, you’ll first receive an official letter letting you know a new card is on the way.
And whenever something like this happens… the scammers come out.
Here’s what you need to know:
🔹 Medicare will NOT call you.
🔹 There is NO fee for the new card.
🔹 Any legitimate mail will come directly from the Department of Health & Human Services.
🔹 Never give out your Medicare number, Social Security number, or personal information to anyone who calls you unexpectedly.
🔹 If you get mail telling you to “call this number to verify your info,” toss it — it’s a scam.
Stay alert, stay informed, and protect your identity.

12/23/2025

Happy Holidays from all of us at Burgau Insurance Agency!
Our offices will be closed On Wednesday, December 24th and Thursday, December 25th, to allow our team well-deserved time with their families.

12/19/2025

Do you have a UCare Medigap Plan? You will need new insurance for January 1!

Insurance agents say seniors can hurry to find replacement Medigap policies, but call the short notice “shocking.”

11/04/2025

Medicare Isn’t Broken Because of Agents, It’s Surviving Because of Them
Every day, Licensed Medicare Agents sit across kitchen tables, take late-night calls, and walk seniors through impossible choices, not because it pays well, but because we care.
The average agent writes about 40 Medicare Advantage plans a year and earns around $28.92 per member per month. Prescription Drug Plans? Zero compensation. Yet we keep doing it because that’s someone’s Gramma, and she deserves to be cared for!
New rules are written every year with the goal of protecting seniors, but enforcement remains inconsistent. The truly bad actors, offshore call centers and deceptive lead vendors, adapt easily, while the ethical, community-based agents doing the real work carry the compliance load.
The system itself is split in two:
🔹Medicare Advantage is federally regulated.
🔹Medicare Supplements are state regulated.
That gap creates confusion, inconsistency, and opportunities for abuse. And it’s seniors who pay the price.
Hospital systems are leveraging the media for contract negotiations, carriers are cutting plans midyear, and Star Ratings are declining, all of which leaves seniors scared and searching for answers.
It’s time to shift the narrative. Agents aren’t the problem, we ARE the backbone.
💬 If you’re an agent: Share your story.
📣 If you’re a policymaker: Reach out. Let’s create smarter enforcement and collaboration.
🤝 If you’re in healthcare leadership: Let's chat and figure out how to protect our seniors.
Because the Medicare system isn’t broken because of agents. It’s surviving because of them.

10/23/2025

As the Annual Enrollment Period (AEP) for 2026 begins, thousands of Minnesota seniors are turning to 1-800-Medicare and MN Aging Pathways for help navigating their Medicare plan options. What’s missing from recent coverage, however, is the critical reason behind this surge: many insurance carriers have chosen to eliminate the role of local brokers by withholding compensation.
This decision has left dedicated, licensed agents—many of whom have served their communities for decades—working without pay. Despite the lack of financial support, brokers continue to provide personalized guidance, education, and advocacy to seniors across the state.
This isn’t just a business issue—it’s a public service crisis, when carriers remove the incentive to serve, they undermine access to trusted, local support—especially in rural areas where seniors rely on brokers to help them understand complex plan changes.
The impact is especially felt in underserved regions, where brokers often serve as the only accessible resource for Medicare education and enrollment assistance. Without them, many beneficiaries are left navigating a confusing system alone.
Industry leaders and advocacy groups are calling for transparency, fair compensation, and a renewed commitment to beneficiary access. As the AEP continues, the message is clear: seniors deserve informed choices—and the professionals who help them make those choices deserve respect and support.