Seniors Solutions Group

08/31/2026

📄 𝗗𝗶𝗱 𝘆𝗼𝘂 𝗴𝗲𝘁 𝗮 𝗹𝗲𝘁𝘁𝗲𝗿 𝗮𝗯𝗼𝘂𝘁 𝗟𝗲𝗲 𝗛𝗲𝗮𝗹𝘁𝗵 in 𝗮𝗻𝗱 𝗨𝗻𝗶𝘁𝗲𝗱𝗛𝗲𝗮𝗹𝘁𝗵𝗰𝗮𝗿𝗲?

If so, you're probably wondering what it means for you. Here's the short version:

✅ Lee Health is ending its hospital/physician contracts with UnitedHealthcare, effective 12/31/26
✅ This ONLY affects network-based plans — Medicare Advantage, ACA/Marketplace, and employer coverage
✅ If you have a Medicare Supplement (Medigap) plan, this does NOT affect you at all ✅ Nothing changes today — this doesn't take effect until January 1, 2027
✅ Both sides have time to negotiate a new agreement before then, so it's possible this gets resolved

If you're on a Medicare Advantage or ACA plan and this has you thinking about your options, that's exactly what Open Enrollment is for.

Medicare Open Enrollment = Oct 15 - Dec7
ACA Open Enrollment = Nov 1 - Jan 15.

Let's review your specific plan together and make sure you're covered no matter how it plays out.

📞 Call or text me: 419-451-4099
📅 Book a free review: ssginsurance.info

I'm Cheryl Scarlato with Seniors Solutions Group — here to help you make sense of it. 💙

08/30/2026

📄 𝗗𝗶𝗱 𝘆𝗼𝘂 𝗴𝗲𝘁 𝗮 𝗹𝗲𝘁𝘁𝗲𝗿 𝗮𝗯𝗼𝘂𝘁 𝗟𝗲𝗲 𝗛𝗲𝗮𝗹𝘁𝗵 𝗮𝗻𝗱 𝗨𝗻𝗶𝘁𝗲𝗱𝗛𝗲𝗮𝗹𝘁𝗵𝗰𝗮𝗿𝗲?

If so, you're probably wondering what it means for you. Here's the short version:

✅ Lee Health is ending its hospital/physician contracts with UnitedHealthcare, effective 12/31/26
✅ This ONLY affects network-based plans — Medicare Advantage, ACA/Marketplace, and employer coverage
✅ If you have a Medicare Supplement (Medigap) plan, this does NOT affect you at all ✅ Nothing changes today — this doesn't take effect until January 1, 2027
✅ Both sides have time to negotiate a new agreement before then, so it's possible this gets resolved

If you're on a Medicare Advantage or ACA plan and this has you thinking about your options, that's exactly what Open Enrollment is for.

Medicare Open Enrollment = Oct 15 - Dec7
ACA Open Enrollment = Nov 1 - Jan 15.

Let's review your specific plan together and make sure you're covered no matter how it plays out.

📞 Call or text me: 419-451-4099
📅 Book a free review: ssginsurance.info

I'm Cheryl Scarlato with Seniors Solutions Group — here to help you make sense of it. 💙

08/28/2026

Medicare Supplement plan?

Here's what most people get wrong.

If you've already met your deductible this year, you might think switching to another company means starting all over.

That's a myth!

Your Supplement deductible is a calendar year deductible — not tied to your insurance company.

That money goes to Medicare, not the carrier. So if you switch, you don't lose credit for what you've already paid in.

And here's the part that surprises people most: switching does NOT require a physical exam. You'll just answer some health questions and get approved.

If you're not approved? No harm done — you simply stay on your current plan. 🙌

Watch the video for the full breakdown 👇

📞 Questions? Call or text: 419-451-4099

📧 Email: [email protected]

📅 Book a free consultation:
www.ssginsurance.info

08/27/2026

🚦 Medicare is adding a "stop sign" in 2026 — do you know if it affects you?

There's a new program called the WISeR Model rolling out in 2026, and if you're on Original Medicare with a Supplement plan in certain states, it could change how some services get approved.

In this video I break down: ✅ What the WISeR model actually is ✅ Whether it affects Medicare Advantage OR Original Medicare (not both!) ✅ The 6 states being tested — including Ohio ✅ What services are impacted (and what's NOT affected — emergencies are safe)

If you've ever waited on a prior authorization and wondered what was taking so long, this one's for you. 👇

📞 Questions about your own plan? Call or text me: 419-451-4099 📅 Book a free call: ssginsurance.info

08/26/2026

😮 Seeing scary headlines about Medicare Part D premiums going up? Let's slow down and look at what's actually happening.

The federal government recently announced it's ending a temporary subsidy program that had been paying insurance companies directly — it was never money that went to you or reduced your out-of-pocket costs. It was there to help stabilize the market while insurers adjusted to new prescription drug rules.

Here's what that means in real terms:

✅ Could some Part D premiums increase in 2027? Yes, it's possible.
✅ Does that mean YOUR specific plan is going up? Not necessarily — it varies plan by plan.
✅ Do we know exact 2027 numbers yet? No — insurance companies won't release specific plan pricing until mid-to-late September.
✅ Is your prescription coverage or your $2,100 out-of-pocket cap going away? No — that stays in place.

The headlines make it sound like a done deal. The reality is a lot more "wait and see" than "panic now."

What you SHOULD do: pay attention when your Annual Notice of Change arrives, and don't assume your current plan is automatically still your best option once 2027 pricing comes out.

📅 Annual Enrollment Period: October 15 – December 7

This is exactly the kind of thing I help my clients sort through every year — comparing plans, checking formularies, and making sure you're not overpaying without realizing it.

📞 Questions? Call or text me: 419-451-4099
📅 Book a free call: ssginsurance.info

I'm Cheryl Scarlato with Seniors Solutions Group — here to cut through the noise and help Medicare make sense. 💙

08/20/2026

Over 100,000 people on Medicare just found out their drug plan was terminated — with zero chance to appeal. In this video, I break down exactly how it happened, why a "$0 premium" plan is never guaranteed to stay that way, and the one simple step you can take today to make sure you never get caught off guard like this.

Whether you're already on Medicare or helping a parent manage theirs, this is one you'll want to watch all the way through — and share.

📋 Grab my FREE 2026 Medicare & Social Security Cheat Sheet: ssginsurance.info 📞 Questions? Call or text me: 419-451-4099 📅 Book a free call: ssginsurance.info

I'm Cheryl Scarlato with Seniors Solutions Group, and I'm here to make Medicare make sense. 💙

08/20/2026

Over 100,000 people on Medicare just found out their drug plan was terminated — with zero chance to appeal. In this video, I break down exactly how it happened, why a "$0 premium" plan is never guaranteed to stay that way, and the one simple step you can take today to make sure you never get caught off guard like this.

Whether you're already on Medicare or helping a parent manage theirs, this is one you'll want to watch all the way through — and share.

📋 Grab my FREE 2026 Medicare & Social Security Cheat Sheet: ssginsurance.info 📞 Questions? Call or text me: 419-451-4099 📅 Book a free call: ssginsurance.info

I'm Cheryl Scarlato with Seniors Solutions Group, and I'm here to make Medicare make sense. 💙

08/11/2026

I want to help you get ready for Medicare’s Annual Enrollment Period.

Very soon, you’ll receive a letter from your insurance company with a booklet called the Annual Notice of Change. Watch for it anytime in Sept. This booklet is extremely important—it explains any changes to your plan for 2027, for Medicare Advantage plans this includes health coverage, drug costs, and even whether your plan will continue or be discontinued.

For Part D drug plans. Your premiums, and or your drug formulary can change.

Please make sure to read it carefully. If your plan is ending, you’ll need to enroll in a new plan, and that can only be done between October 15th and December 7th.

There's a link below this video to book your appointment with me starting October 1st so we can review your plan together. You’ll also see a very important link to a government permission form. Please complete and sign that before our call—this allows me to discuss your Medicare options with you.

I’m here to make this process simple and stress-free. Keep an eye out for that booklet, and I look forward to helping you soon.

👉 Book Here

👉 Permission Slip

08/02/2026

If you’ve seen headlines saying Medicare Part D costs are going up because federal subsidies are ending, here’s what you need to know.

The subsidies that are ending were NOT payments to Medicare beneficiaries. They were TEMPORARY payments to insurance companies designed to help offset the cost of major changes made by the Inflation Reduction Act.

Beginning in 2025, the law eliminated the Part D coverage gap (“donut hole”) and capped annual out-of-pocket prescription drug costs. Those changes shifted more financial responsibility to Part D plans/carriers, so CMS created a temporary demonstration program to help stabilize premiums while the market adjusted.

That demonstration program is ending after 2026.

What does that mean for you?

It means some Part D premiums could increase in 2027. It does NOT automatically mean your prescription drug costs will increase because the subsidies are ending. It also does NOT affect Medicare’s Extra Help program or eliminate the annual out-of-pocket protection that beneficiaries now have.

The reality is we don’t yet know what 2027 Part D premiums will look like. Carriers are still filing plans, and CMS is reviewing them. We’ll have a much clearer picture once 2027 plans are released this fall.

Until then, be cautious of headlines that suggest everyone will see higher drug costs. The situation is more nuanced than that.

As always, review your coverage during Annual Enrollment. Every year is different, and 2027 will be no exception.

We are independent insurance agents that work for Seniors not the Insurance Companies. We do the shopping so you don't have to .