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Brad & Mike - Powered By SBEA Medicare, Health & Life Insurance Experts. We've got you covered. Shop & enroll on your own or get expert advice from Brad & Mike.

No spam, no chasing, just real answers. We have been helping individuals and companies for 15+ years. Supplemental Benefits Exchange Agency (SBEA) has been insuring businesses & individuals for over 20 years. Brad and Mike are dedicated to their families, clients, and the local business community. Trust Brad and Mike to understand your insurance needs with a personalized approach tailored just for you. With an independent agency at your side focused on customer service, our team of experts will work tirelessly to provide the right coverage to meet your needs.

11/03/2026

💊 What happens if your prescription moves from Tier 2 to Tier 3? You could end up paying more for the exact same medication! For example, a $15 copay could change to a percentage of the drug's cost, depending on your plan.

That's why it's important to review your medications each year, even if nothing has changed with your health.

📬 Check your Annual Notice of Change (ANOC) letter and review your plan's drug list to see if your prescriptions or costs are changing for 2027.

🎙️ In EP 25 of The Brad & Mike Show, “Medicare Part D Changes You Can’t Ignore: Check Your Meds First”, before choosing a Medicare plan.

▶️ Watch the full episode 25: https://youtu.be/KgjIKZf1I_Q
🎙️Listen on Spotify: https://open.spotify.com/episode/2psyeAt8MMvpN83elYxitD?si=i8GKqaEuTMykQlA5cHVpjA
🎙️Listen on Apple: https://podcasts.apple.com/us/podcast/the-brad-and-mike-show/id1858356616

Want more Medicare information explained in an easy-to-understand way? Watch all our episodes: https://bradandmike.com/podcast

📞 Questions? Call Brad & Mike at 734-259-6750 or find more information on our website: www.bradandmike.com

11/03/2026

💰 Medicare Part D's out-of-pocket cap is increasing in 2027!
The annual limit is changing from $2,100 to $2,400 for covered Part D prescription drugs.

That's a $300 increase, and it's something worth planning for! The good news? Knowing the annual spending limit can help you better understand your potential prescription costs.

✏️ Sit down, review your medications, and make sure you know what to expect for 2027.

🎙️ In EP 25 of The Brad & Mike Show, “Medicare Part D Changes You Can’t Ignore: Check Your Meds First”, we explain what these changes mean and why reviewing your coverage matters before choosing a Medicare plan.

▶️ Watch the full episode 25: https://youtu.be/KgjIKZf1I_Q
🎙️Listen on Spotify: https://open.spotify.com/episode/2psyeAt8MMvpN83elYxitD?si=i8GKqaEuTMykQlA5cHVpjA
🎙️Listen on Apple: https://podcasts.apple.com/us/podcast/the-brad-and-mike-show/id1858356616

Want more Medicare information explained in an easy-to-understand way? Watch all our episodes: https://bradandmike.com/podcast

📞 Questions? Call Brad & Mike at 734-259-6750 or find more information on our website: www.bradandmike.com

Thank you to our wonderful clients for taking the time to share their experiences with us! Your trust and feedback mean ...
11/02/2026

Thank you to our wonderful clients for taking the time to share their experiences with us! Your trust and feedback mean so much to us.

10/31/2026

💊 Medicare Part D deductibles are changing for 2027! The maximum annual deductible is increasing from $615 to $700.

But here's what you need to know: Not every plan has the same deductible, and which medications it applies to can vary.

Some plans may also apply the deductible to lower-tier medications that previously had different cost-sharing rules.

📬 Check your Annual Notice of Change (ANOC) letter! It's important to understand what's changing before choosing your coverage for 2027.

🎙️ In EP 25 of The Brad & Mike Show, “Medicare Part D Changes You Can’t Ignore: Check Your Meds First” before choosing a Medicare plan.
▶️ Watch the full episode 25: https://youtu.be/KgjIKZf1I_Q
🎙️Listen on Spotify: https://open.spotify.com/episode/2psyeAt8MMvpN83elYxitD?si=i8GKqaEuTMykQlA5cHVpjA
🎙️Listen on Apple: https://podcasts.apple.com/us/podcast/the-brad-and-mike-show/id1858356616

Want more Medicare information explained in an easy-to-understand way? Watch all our episodes: https://bradandmike.com/podcast

📞 Questions? Call Brad & Mike at 734-259-6750 or find more information on our website: www.bradandmike.com

10/29/2026

One of the biggest concerns we hear is, "Will my prescriptions be covered?" 💊
Knowing which medications you take is an important first step in finding Medicare coverage that fits your needs and budget. Not sure where to start with Medicare? That's okay! 💬

🎙️ In EP 25 of The Brad & Mike Show, “Medicare Part D Changes You Can’t Ignore: Check Your Meds First,” we explain why checking your medications should come before choosing a Medicare plan.

▶️ Watch the full episode 25: https://youtu.be/KgjIKZf1I_Q
🎙️Listen on Spotify: https://open.spotify.com/episode/2psyeAt8MMvpN83elYxitD?si=i8GKqaEuTMykQlA5cHVpjA
🎙️Listen on Apple: https://podcasts.apple.com/us/podcast/the-brad-and-mike-show/id1858356616

Want more Medicare information explained in an easy-to-understand way? Watch all our episodes: https://bradandmike.com/podcast

📞 Questions? Call Brad & Mike at 734-259-6750 or find more information on our website: www.bradandmike.com

🎙️ COMING TOMORROW: EP 25 💊Are my prescriptions covered? It's the question that matters most before you choose your Med...
10/28/2026

🎙️ COMING TOMORROW: EP 25 💊Are my prescriptions covered? It's the question that matters most before you choose your Medicare plan for 2027.

Medicare Annual Enrollment is happening now, and EP 25 drops tomorrow, 10/29!
We're breaking down the Medicare Part D changes coming in 2027 and why your Rx list should pick your plan:
✅ Part D deductible rising from $615 to $700
✅ Out-of-pocket cap going from $2,100 to $2,400
✅ How tier and formulary changes can raise what you pay
✅ Why you need to read your ANOC letter
✅ Preferred vs. standard pharmacies and mail order
✅ 15 drugs added to Part D with negotiated prices

Not sure what you're doing? That's okay. The first step is starting a conversation. There's no fee for our help, and we're paid by the carriers, not by you.
📞 Call 734-259-6750
🌐 bradandmike.com
🔔 Subscribe on YouTube and follow on Spotify so you don't miss it.

▶Watch on YouTube: https://www.youtube.com/
🎧Listen on Spotify: https://open.spotify.com/show/51BOiNv9SWxvqCNKjaaDrf?si=37e2990ba52d479c
🎙️Listen on Apple: https://podcasts.apple.com/us/podcast/the-brad-and-mike-show/id1858356616

Follow us on social media so you never miss an episode!
Know someone turning 65 or on Medicare? Share this with them!

This episode is for general informational purposes only and isn't personalized insurance advice, so contact Brad & Mike, licensed insurance agents, for guidance specific to your situation.

10/25/2026

Your health can change in a heartbeat. Has your Medicare plan kept up? 💊

Medications are the #1 thing to check every AEP. A new diagnosis or even an accident can mean new prescriptions, and the plan that worked for you last year may not cover them the same way this year.

✅ Make a list of every medication you take now�
✅ Check how each one is covered on your current plan for next year�
✅ Compare other plans if your costs are going up

The plan you’ve had might still work, or it might not. AEP runs October 15 – December 7, so now’s the time to find out.

🎧 Watch the full episode, “Your AEP Checklist: 4 Important Items to Check”
�▶️ YouTube: https://youtu.be/An4X686kZZY�
🎙️ Spotify: https://open.spotify.com/episode/08bi5bHmWj0kGJ7XkTVg02

Questions? Call us at 734-259-6750 or visit bradandmike.com�

Follow us on social media so you never miss an episode!

10/23/2026

You looked it up online and your doctor was listed as in-network. Then you got the bill. 😬

Provider directories don’t always keep up. By the time a plan updates its system, your doctor may have already moved on.

🔄 Your doctor might stop taking the HMO but still take the PPO�
📞 The online listing might say they’re in-network when they’re not�
✅ The safest move: call your doctor’s office and confirm they’ll keep taking your Medicare Advantage plan

Check before AEP ends December 7, so you don’t find out the hard way.

🎧 Watch the full episode, “Your AEP Checklist: 4 Important Items to Check”
�▶️ YouTube: https://youtu.be/An4X686kZZY�
🎙️ Spotify: https://open.spotify.com/episode/08bi5bHmWj0kGJ7XkTVg02

Questions? Call us at 734-259-6750 or visit bradandmike.com�

Follow us on social media so you never miss an episode!

✍️ Got a few minutes? Grab a notebook! ✍️It’s time to review your Medicare plan. Take a look at your:✅ Coverage✅ Costs✅ ...
10/20/2026

✍️ Got a few minutes? Grab a notebook! ✍️

It’s time to review your Medicare plan. Take a look at your:

✅ Coverage
✅ Costs
✅ Benefits
✅ Options

Your needs may have changed since last year, and your plan may have too. A quick check-in now can help you be ready for the year ahead. 💙

Not sure where to start? Give us a call and we’ll help.

📞 Call us at 734-259-6750
🌐 Visit bradandmike.com

10/19/2026

Heading south for the winter? ☀️🌴 Make sure your Medicare plan comes with you.

If you split time between Michigan and Florida (or anywhere else), here’s what to know:�
🚑 Medicare Advantage plans cover emergencies, wherever you are�
🩺 Routine care is different. Your doctors need to be in your plan’s network where you live in the summer AND the winter�
✅ Medicare Supplement? You can see any doctor who accepts Medicare, no network to worry about
Spending three, four or five months away?

Pick a plan that covers you in both places.

🎧 Watch the full episode, “Your AEP Checklist: 4 Important Items to Check”
▶️ YouTube: https://youtu.be/An4X686kZZY�
🎙️ Spotify: https://open.spotify.com/episode/08bi5bHmWj0kGJ7XkTVg02

Questions? Call us at 734-259-6750 or visit bradandmike.com�

Follow us on social media so you never miss an episode!

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