Falcon Life and Health Insurance Agency

Directions Website Contact the business

Falcon Life and Health Insurance Agency Independent Medicare and Social Security help. Licensed in FL, AL, AZ, CA, CO, CT, DE, IL, IN, IA, KS, KY, LA, MD, MA, MI, NM, NC, OH, SC, TN, TX, VA, WV.

Free guides: https://falconlifehealth.com/retirement-bundle/
Call or text 941-412-2362

10/16/2026

If I had to go on Medicare in 2027, this is the setup I'd choose for the most comprehensive coverage and predictable cost, and here's what it adds up to.

1. Original Medicare. Part A (hospital) has no monthly premium for most people who worked at least 10 years. Part B (doctors) is $202.90 a month in 2026 and projected at about $209.50 in 2027. That's an estimate until Medicare makes it official.

2. Plan G. Original Medicare pays about 80% and there's no cap on your 20%. A Medicare Supplement is a private policy that helps pay what's left. Plan G doesn't pay the Part B deductible (projected at about $292 in 2027); after that it covers the rest of your Medicare-approved costs, and you can see any doctor in the country who takes Medicare. Plan G at 65 runs from about $170 to over $400 a month depending on where you live. Most states fall between $170 and $260.

3. A drug plan. The average stand-alone plan is projected at about $36 a month for 2027, and the most you'd pay for covered drugs in 2027 is $2,400. That's a ceiling, not a bill.

Dental, vision and hearing aren't in this setup. They'd be a separate policy.

Using $200 a month for Plan G, that's about $209.50 + $200 + $36 = about $445 a month. Your Plan G price depends on where you live, so it can be very different from $200.

If that's more than you can afford on your Social Security check, a Medicare Advantage plan is another option. It's a private plan instead of a Supplement, the premium is usually lower, but you use a network and pay copays.

Want to see what this costs with your own numbers? Call or text me. Free Medicare planning guide with a checklist: https://falconlifehealth.com/retirement-bundle/

I'm Rick Caso, an independent Medicare advisor in Southwest Florida. Licensed in FL, AL, AZ, CA, CO, CT, DE, IL, IN, IA, KS, KY, LA, MD, MA, MI, NM, NC, OH, SC, TN, TX, VA, WV.
Questions about your own coverage? Call or text 941-412-2362.

Educational only. Not connected with or endorsed by the U.S. government or the federal Medicare program.

10/16/2026

Social Security just announced the 2027 raise: a 3.6% COLA, starting with your January payment. Here's what's left after Medicare.

For the average retired worker, that's about $75 more a month, taking the national average check from $2,095 to $2,170.

If your Part B premium comes out of your Social Security check, it comes out before the money reaches your bank. Part B is $202.90 a month in 2026. The Medicare trustees project about $209.50 in 2027, about $6.60 more, so the average check sees closer to $68 more. That's a projection. Last year the official amount came out in November.

Also projected (not final): the Part B deductible goes from $283 to about $292, and the Part A deductible from $1,736 to about $1,788.

The drug numbers are already set for 2027: the most you pay for covered drugs in a year goes from $2,100 to $2,400 (your plan premium is on top of that), and the highest deductible a drug plan can charge goes from $615 to $700.

Your COLA notice will show your exact numbers: online late November, or by mail in December. Medicare open enrollment runs Oct 15 to Dec 7, when you can change your Advantage or drug plan for 2027.

Want me to check your plan against the 2027 numbers? Call or text me.
Free Medicare guide with a checklist: https://falconlifehealth.com/retirement-bundle/

I'm Rick Caso, an independent Medicare advisor in Southwest Florida. Licensed in FL, AL, AZ, CA, CO, CT, DE, IL, IN, IA, KS, KY, LA, MD, MA, MI, NM, NC, OH, SC, TN, TX, VA, WV.
Questions about your own coverage? Call or text 941-412-2362.

Educational only. Not connected with or endorsed by the U.S. government or the federal Medicare program.

10/09/2026

Here's how Medicare works in 2027, and what each piece costs.

Part A is your hospital coverage. It's premium-free for most people who worked about 10 years.
Part B is your doctor coverage. It's $202.90 a month in 2026 and projected at about $209.50 in 2027. That's a projection; the official amount comes out this fall.

After the Part B deductible, Medicare pays 80% of covered bills and you pay 20%, and there's no cap on your 20%. Most people handle that gap one of two ways.

1. Medicare Advantage: a private plan you choose instead of Original Medicare. Medicare projects the average premium at about $12 a month in 2027, and many plans are $0. Most include drug coverage, you pay copays and use the plan's network, and each plan has a yearly out-of-pocket max.

2. A Medicare Supplement plus a drug plan: Plan G at 65 runs about $180-$220 a month in my area, and it's different in every state. After the Part B deductible it covers the rest of your Medicare-approved costs, and you can see any doctor in the country who takes Medicare. Stand-alone drug plans are projected to average about $36 a month in 2027. A drug plan is your choice, but a late penalty can apply if you go without other drug coverage. Dental, vision and hearing are separate.

Either way, covered drugs are capped at $2,400 for the year in 2027.

Which one fits you depends on your doctors, your prescriptions and your budget. Call or text me and I'll run both for you.
Free Medicare guide with a checklist: https://falconlifehealth.com/retirement-bundle/

I'm Rick Caso, an independent Medicare advisor in Southwest Florida. Licensed in FL, AL, AZ, CA, CO, CT, DE, IL, IN, IA, KS, KY, LA, MD, MA, MI, NM, NC, OH, SC, TN, TX, VA, WV.
Questions about your own coverage? Call or text 941-412-2362.

Educational only. Not connected with or endorsed by the U.S. government or the federal Medicare program.

10/07/2026

On Original Medicare? Check your bank account. Some people are getting $90 from Medicare this month.

On October 3, 2026, Medicare announced a one-time $90 rebate on your Part B premium. Part B is the part of Medicare that covers doctor visits, and most people pay a monthly premium for it.

You qualify if you have Original Medicare Part B and live in the United States.
You don't qualify if:
- you're in a Medicare Advantage plan
- Medicaid helps pay your Part B premium
- you pay IRMAA, the extra Part B charge for people with higher incomes

Most people get it by direct deposit from Social Security on or around October 8. If you don't have direct deposit, a paper check from the Treasury comes in the mail later in October.

You don't have to sign up for this. If someone calls, texts or emails asking for your Medicare number or bank information to "release" your $90, that's a scam. Hang up.

If you think you qualify and nothing shows up, you can call Social Security at 1-800-772-1213 starting October 15 to check on the payment.

Want my free Medicare guide? Get it here: https://falconlifehealth.com/retirement-bundle/

I'm Rick Caso, an independent Medicare advisor in Southwest Florida. Licensed in FL, AL, AZ, CA, CO, CT, DE, IL, IN, IA, KS, KY, LA, MD, MA, MI, NM, NC, OH, SC, TN, TX, VA, WV.
Questions about your own coverage? Call or text 941-412-2362.

Educational only. Not connected with or endorsed by the U.S. government or the federal Medicare program.

10/05/2026

If you take prescriptions, the most you'll pay for covered drugs in 2027 goes up to $2,400. Here's what I'd check first.

Original Medicare doesn't cover most prescriptions. Drug coverage comes from a separate drug plan, or it's built into a Medicare Advantage plan.

The cap is the most you'll pay out of pocket in a year for covered drugs. Once you hit it, you don't pay anything more for covered drugs for the rest of the year. It's $2,100 in 2026 and $2,400 in 2027, so that's $300 more if your drugs cost enough to hit it.

The deductible is changing too. That's what you pay before the plan starts paying its share. The most a drug plan can charge is $615 in 2026 and $700 in 2027, and some plans set it lower. What you pay toward the deductible counts toward the cap.

Only drugs your plan covers count toward the cap. If a prescription isn't on the plan's drug list, you pay for it and it doesn't count.

What I'd do: write down every prescription, check each one against each 2027 plan's drug list, then compare the total cost for the year. The lowest premium isn't always the cheapest plan for you.

I'm Rick Caso, an independent Medicare advisor in Southwest Florida. Licensed in FL, AL, AZ, CA, CO, CT, DE, IL, IN, IA, KS, KY, LA, MD, MA, MI, NM, NC, OH, SC, TN, TX, VA, WV.
Want your list run against the 2027 plans? Call or text 941-412-2362.
Free Medicare guides: https://falconlifehealth.com/medicare-education/

Educational only. Not connected with or endorsed by the U.S. government or the federal Medicare program.

10/05/2026

Before you pick an Innovative Plan G, ask these three questions.

A viewer asked me about the Innovative Plan G, so here's how it works. A Medicare Supplement is a private policy that helps pay what Original Medicare leaves behind. The Innovative Plan G, from Physicians Mutual, works like a high-deductible Plan G for the first three years, then becomes a regular Plan G.

For those first three years, you pay the first $2,950 of your care each year before the plan pays. That's the 2026 amount, and it changes every year. The first year ends on December 31, even if you start in October.

The trade: you carry that deductible for three years, and in return the lower premium stays after it goes away. You end up with a regular Plan G at a lower price than that company's own Plan G. Whether it's lower than other companies' Plan G is a different question.

Only agents appointed with Physicians Mutual can sell it, and it doesn't show up in the quoting tools most agents use to compare Supplement prices. So before you buy, ask the agent:
1. What will I pay when it converts to a regular Plan G?
2. How does that compare to the cheapest Plan G in my area?
3. How much has this plan gone up over the last three years?

Got a Medicare question? Drop it in the comments. That's how this video happened.

I'm Rick Caso, an independent Medicare advisor in Southwest Florida. Licensed in FL, AL, AZ, CA, CO, CT, DE, IL, IN, IA, KS, KY, LA, MD, MA, MI, NM, NC, OH, SC, TN, TX, VA, WV.
Questions about your own coverage? Call or text 941-412-2362.
Free Medicare guides: https://falconlifehealth.com/medicare-education/

Educational only. Not connected with or endorsed by the U.S. government or the federal Medicare program.

10/01/2026

Turning 65 in 2027 with retiree health coverage from a former employer? That plan may expect you to have Part B.

Part A is the hospital side of Medicare. It costs nothing if you or your spouse paid Medicare taxes for at least 10 years. Part B is the doctor side: $202.90 a month in 2026, and the 2027 amount comes out this fall.

Once you're retired and on Medicare, Medicare pays first and your retiree plan pays second. Medicare also says your retiree coverage may not pay for your care if you don't have both Part A and Part B.

It's different when you're still working. You can wait on Part B with no penalty if you or your spouse are still working and covered by that job's plan. Retiree coverage doesn't count, so if you skip Part B and sign up later, it's 10% more for each full year you could have had it, for as long as you have Part B.

Drug coverage has its own rule. Your old employer has to tell you each year whether its drug coverage is creditable, meaning it's expected to pay, on average, at least as much as Medicare drug coverage.

What I'd do: call your old employer's benefits office and ask how the plan works with Medicare and whether the drug coverage is creditable. Then sign up for Part B inside your 7-month window, from 3 months before the month you turn 65 to 3 months after.

I'm Rick Caso, an independent Medicare advisor in Southwest Florida. Licensed in FL, AL, AZ, CA, CO, CT, DE, IL, IN, IA, KS, KY, LA, MD, MA, MI, NM, NC, OH, SC, TN, TX, VA, WV.
Have retiree coverage and want help putting it next to Medicare? Call or text 941-412-2362.
Free 2026 Medicare Enrollment Guide: https://falconlifehealth.com/retirement-bundle/

Educational only. Not connected with or endorsed by the U.S. government or the federal Medicare program.

10/01/2026

Switched Medicare plans for 2027? Here are the 3 things I'd do the first week of January. Your new plan starts January 1, and the first week is when small problems are easiest to fix.

1. Find your new member card. Your new plan mails it to you. Show it at the pharmacy and your doctor's office and tell them you're on a new plan, so they don't bill the old one.

2. Fill one prescription early in the month. That's how you find out if your drugs are covered the way the Plan Finder on medicare.gov said. If a drug you've been taking isn't on your new plan's list, Medicare says you may get a transition fill: a one-time, 30-day supply while you and your doctor sort it out.

3. On a Medicare Advantage plan? Call your doctor's office and ask one question: are you in network with my plan for 2027? Networks can change January 1, and it's better to hear it on the phone than at your appointment.

I'm Rick Caso, an independent Medicare advisor in Southwest Florida. Licensed in FL, AL, AZ, CA, CO, CT, DE, IL, IN, IA, KS, KY, LA, MD, MA, MI, NM, NC, OH, SC, TN, TX, VA, WV.
Switched plans and something doesn't look right? Call or text 941-412-2362.
Free Medicare guides: https://falconlifehealth.com/medicare-education/

Educational only. Not connected with or endorsed by the U.S. government or the federal Medicare program.

09/29/2026

If I were turning 65 in 2027, I'd do three things in order. Then there are three deadlines, and missing any one of them costs you.

Step 1: Sign up for Part A and Part B. Part A is the hospital side, premium-free if you or your spouse paid Medicare taxes for 40 quarters. Part B is the doctor side, $202.90 a month in 2026. The 2027 amount comes out this fall. Together they're Original Medicare.

Step 2: Pick your road. A Medicare Advantage plan is a private plan with a network and copays, and most include drug coverage. The other road keeps Original Medicare and adds a Medicare Supplement plus a separate drug plan. A Supplement costs more each month, so make sure it fits your budget.

Step 3: Write down every doctor and prescription, and run that list against the road you picked. With an HMO you use doctors in the network except in an emergency. With a PPO you can go outside the network, but you pay more. With a Supplement, check that your doctors take Medicare. Either way, put your prescriptions into the Plan Finder on medicare.gov.

The deadlines:
1. Your 7-month window for Part A and Part B: three months before the month you turn 65 through three months after. Miss it without coverage from a job you or your spouse is still working at, and Part B costs 10% more for each year you could have had it, for life.
2. The Supplement's own clock: six months starting your first month of Part B at 65 or older. Inside it, no health questions. After it, a company can say no.
3. Drug coverage in place when Medicare starts, or a separate late penalty for drugs.

I'm Rick Caso, an independent Medicare advisor in Southwest Florida. Licensed in FL, AL, AZ, CA, CO, CT, DE, IL, IN, IA, KS, KY, LA, MD, MA, MI, NM, NC, OH, SC, TN, TX, VA, WV.
Want me to run your list against both roads? Call or text 941-412-2362.
Free 2026 Medicare Enrollment Guide: https://falconlifehealth.com/retirement-bundle/

Educational only. Not connected with or endorsed by the U.S. government or the federal Medicare program.

09/29/2026

If you were married 10 years or more, you may be waiting on your ex for nothing.

A lot of divorced people think they can't claim on their ex's Social Security record until the ex files first. That's not how it works for a divorced spouse.

All six of these have to be true:
1. The marriage lasted at least 10 years before the divorce was final.
2. You're not married now.
3. You're 62 or older.
4. Your ex is 62 or older.
5. Your own benefit is smaller than half of what your ex would get at their full retirement age.
6. If your ex hasn't filed yet, you've been divorced at least two years.

It's up to half of your ex's full retirement age benefit. Social Security pays your own benefit first and adds the difference if half of theirs is bigger. Start before your own full retirement age and that half is cut for good.

A current spouse is different: if you're still married, your spouse has to be collecting before you can claim on their record.

Claiming on your ex's record takes nothing from your ex or from the person they married after you.

And if you don't have 10 years of work on your own, you may be able to get premium-free Part A on your ex's record. Buying Part A yourself runs up to $565 a month in 2026.

I'm Rick Caso, an independent Medicare advisor. Licensed in FL, AL, AZ, CA, CO, CT, DE, IL, IN, IA, KS, KY, LA, MD, MA, MI, NM, NC, OH, SC, TN, TX, VA, WV.
Want help sorting out your record and your Medicare? Call or text 941-412-2362.

Educational only. Not connected with or endorsed by the U.S. government, the Social Security Administration, or the federal Medicare program.

Address

4086 Gardner Drive
Port Charlotte, FL
33952

Website

, ,

Alerts

Be the first to know and let us send you an email when Falcon Life and Health Insurance Agency posts news and promotions. Your email address will not be used for any other purpose, and you can unsubscribe at any time.

Contact The Business

Send a message to Falcon Life and Health Insurance Agency:

Shortcuts

Share

Category