Falcon Life and Health Insurance Agency

08/28/2026

Waiting to claim Social Security raises what your spouse collects after you're gone. But there's an age on their end that decides how much of it they actually get.

Here's how the survivor benefit works. When one of you dies, the survivor can step up to what the other one was receiving.

If you want to see what those numbers look like in your own situation, call or text me at 941-412-2362.

I'm Rick Caso, an independent Medicare advisor in Southwest Florida, licensed in 24 states.
Questions about your own situation? 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.

08/27/2026

There's a version of Plan G that costs a fraction of the premium. Same plan, same doctors. Almost nobody talks about it, and there is a reason.

High deductible Plan G covers exactly what regular Plan G covers — any doctor in the country who takes Medicare, no network, no prior authorization. The difference is you pay a deductible first. In 2026 that's $2,950.

When people hear $2,950 they picture hitting it in three visits. It doesn't work that way. Medicare has an approved amount for every service, and a doctor who takes assignment accepts it as payment in full — the rest is written off. Your share is 20% of the approved amount, not the billed amount. So a $560 visit might cost you thirty or forty dollars.

But one hospital stay changes that. The Part A deductible in 2026 is $1,736 and it counts toward the $2,950, so a single admission wipes out more than half of it.

Right for: someone with real savings who could cover $2,950 without it hurting, wants the freedom of a Supplement, and is being priced out of regular Plan G.

Stay away if: you don't have that cushion. On a fixed income the predictable monthly premium isn't the cost of the plan — it IS the plan. And if regular Plan G is out of reach too, the answer isn't a $2,950 exposure, it's asking about the programs that help with Medicare costs.

One people find out too late: going back to a regular Plan G usually means answering health questions.

Free Medicare planning guide: https://falconlifehealth.com/retirement-bundle/
Questions about your own situation? Call or text 941-412-2362. I answer these myself.

I'm Rick Caso, an independent Medicare advisor in Southwest Florida, licensed in 24 states.
Educational only. Not connected with or endorsed by the U.S. government or the federal Medicare program.

08/27/2026

Some Medicare Advantage plans are not going to exist in 2027. If yours is one of them, you find out by letter in September, and that letter opens a window most people never hear about.

I'm not going to name the company. But one Advantage carrier told its investors it's dropping plans that cover about 600,000 people next year.

If that letter shows up and you're not sure what it's offering you, call or text me at 941-412-2362 before the clock starts running.

I'm Rick Caso, an independent Medicare advisor in Southwest Florida, licensed in 24 states.
Questions about your own situation? 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.

08/26/2026

If your prescriptions cost more than your budget can handle, there are two programs that may help. One can actually lower what you pay. The other can spread the cost out so it's easier to manage.

The first is called Extra Help. It lowers prescription drug costs for people with limited income and limited resources.

So one of these lowers the bill, and the other just makes it easier to carry. Call or text me at 941-412-2362 and we'll figure out which one fits you.

I'm Rick Caso, an independent Medicare advisor in Southwest Florida, licensed in 24 states.
Questions about your own situation? 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.

08/26/2026

What you pay out of pocket for covered Part D drugs is capped at $2,100 this year. What nobody tells you is what that cap leaves out, and that's the part that catches people.

Here's how it works. Once your out-of-pocket total for covered Part D drugs reaches $2,100 in 2026, you have no new out-of-pocket costs for those covered drugs for the rest of the calendar year.

And if you're sitting there doing the math and it isn't working, don't start skipping doses to make it work. Call or text me at 941-412-2362 and we'll look at what you're actually eligible for.

I'm Rick Caso, an independent Medicare advisor in Southwest Florida, licensed in 24 states.
Questions about your own situation? 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.

08/25/2026

Your drug plan can change on January 1st, even if you keep the same card and the same plan name. And there's one piece of mail that tells you exactly what changed.

So in September, your plan mails you an Annual Notice of Change. It spells out what's changing about your coverage on January 1st.

So watch for that envelope in September. Five minutes with your drug list can tell you whether you're better off staying put or looking at another plan.

I'm Rick Caso, an independent Medicare advisor in Southwest Florida, licensed in 24 states.
Questions about your own situation? 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.

08/25/2026

Nobody makes you start Social Security — not at 65, not at 70, not at any age. You've probably got an age in your head, and there isn't a required one. There's no deadline, and nobody sends you a letter telling you it's time.

And before I go any further, let me be straight with you. I'm not saying waiting is automatically the smart move.

So nobody forces you to draw Social Security. Pick the age that fits your health and your budget, and just know that at 70 the waiting stops paying.

I'm Rick Caso, an independent Medicare advisor in Southwest Florida, licensed in 24 states.
Questions about your own situation? 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.

08/24/2026

08/24/2026

Medicare Part A can still be free even if you never worked outside the home, or only worked part time. It can come off your spouse's work record. Or an ex's.

I'm Rick Caso, an independent Medicare advisor in Southwest Florida, licensed in 24 states.
Questions about your own situation? 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.

08/23/2026

Six days in the hospital. Same stay, same room, but three very different bills. It all depends on how you set up your Medicare.

So there are three ways people do this. One, Original Medicare by itself.

And everybody pays the Part B premium on top of all of it. That's your doctor coverage, $202.90 a month in 2026.

I'm Rick Caso, an independent Medicare advisor in Southwest Florida, licensed in 24 states.
Questions about your own situation? 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.