Personalized Senior Solutions, LLC

10/12/2026

An Underwriter Explains: Why Your Life Insurance Premium Is What It Is

Picture two 40-year-olds buying an identical policy: $500,000 of 20-year term life insurance. One pays about $30 a month. The other pays $300.

10/05/2026

When In-Network Becomes Out-of-Network

You did your homework. You chose a hospital and surgeon who both accept your insurance, so the final bill should be predictable.

09/30/2026

09/28/2026

Medicare Advantage Star Ratings Explained: What those Stars Really Mean for Your Care

Every year, the Centers for Medicare and Medicaid Services (CMS) reviews Medicare Advantage plans and assigns each one a rating between one and five stars, with half-star increments like 3.5 or 4.5 also possible. While we are used to star ratings on everything from the latest gadget on Amazon to our...

09/28/2026

The World's Costliest Cruise: When Medical Care at Sea Sends the Bill Sky High

Diane had been looking forward to her seven-day Caribbean cruise for months. On the third night, she woke with sharp abdominal pain that would not go away.

09/26/2026

🚨 IMPORTANT 2027 PART D CHANGES

Medicare Annual Enrollment runs October 15–December 7.

You can review your options after October 1st through:

✅ Medicare.gov — FREE
✅ 1-800-MEDICARE — FREE
✅ HeyMOE — Assisted Review
$30/year or $25 first year through my link:
https://app.heymoe.com/agent/AGT4U3GD

💊 2027 Part D:
• Standard deductible: $700
• Maximum out-of-pocket: $2,400

Even if your current plan continues, costs and drug coverage can change, so I recommend reviewing your plan each year.

Sign up for HeyMOE through your insurance agent and get help with Medicare Open Enrollment.

09/21/2026

Medicare GLP-1 Bridge: Certain Weight-Loss Medications for $50 a Month

If you have Medicare and have been considering a GLP-1 medication for weight management, a new Medicare program may help make these medications more affordable.

09/14/2026

How to Read Your Medicare Summary Notice — Teach enrollees how to spot billing errors and understand their EOB documents

The envelope from Medicare that shows up every few months might look like a bill, but it isn't. It's called a Medicare Summary Notice, and treating it like junk mail is one of the easiest ways to miss a costly error.

09/07/2026

What is Infinite Banking, Really?

You've probably seen the commercials. A confident spokesperson explains how the wealthy use a little known strategy called infinite banking to grow money tax free, borrow from themselves, and never pay bank interest again.