Kameo - Licensed Insurance Agent

08/15/2026

💰 What is IRMAA — and could it affect what you pay for Medicare?

IRMAA stands for Income-Related Monthly Adjustment Amount.

Simply put, IRMAA is an additional amount you may have to pay for Medicare Part B and Part D if your income is above certain limits.

For 2026, Social Security generally determines whether you owe IRMAA using the income reported on your 2024 federal tax return — so Medicare is essentially looking back two years.

Your income for IRMAA purposes is based on your Modified Adjusted Gross Income (MAGI). As your income crosses certain thresholds, your Medicare Part B premium and Part D IRMAA surcharge can increase.

⚠️ Here’s something many people don’t realize:

Your income two years ago may not reflect your income today.

If your income has decreased because of certain qualifying life-changing events, such as retirement, loss of work, marriage, divorce, death of a spouse, or loss of certain income-producing property, you may be able to ask Social Security to reconsider your IRMAA determination.

That can make a BIG difference in what you pay for Medicare.

If you received an IRMAA notice, are planning for retirement, or simply want to understand how your income could affect your Medicare costs, I’m happy to help you understand the Medicare side of the equation.

📩 Send me a private message with your questions.

Kameo Bonner
Licensed Insurance Agent
📞 (210) 646-1349
📧 [email protected]

We do not offer every plan available in your area. Currently we represent 11 organizations which offer 86 products. Please contact Medicare.gov, 1-800-MEDICARE, or your local State Health Insurance Program to get information on all of your options.

08/07/2026

Message me for a copy of my Signature Understanding Medicare Guide that I created to make the basics of Medicare easier to understand.

Inside, I explain:

* What Medicare is
* Parts A, B, C, and D
* Medicare Supplement coverage
* Original Medicare vs. Medicare Advantage
* Common Medicare misconceptions
* Important things to consider before choosing coverage

My goal is to help people understand their options before they make a decision.

Kameo Bonner
Licensed Insurance Agent
(210) 646-1349 — Call/Text
[email protected]

There is no obligation to enroll. This guide is for educational purposes and is designed to help you better understand Medicare and the coverage options that may be available to you.

07/23/2026

A Personalized Medicare Experience ❤️

Anyone can help enroll you in a Medicare plan.

The real difference comes after enrollment—when you have questions, your medications change, you need a new doctor, or you’re unsure what your coverage includes.

Too often, people are left calling an 800 number, speaking with someone different each time, and trying to navigate Medicare on their own.

I believe there is a better way.

As a local, independent licensed insurance agent serving Texas, I work one-on-one with each client to explain Medicare in plain language, compare available options, and help you understand how your coverage works—both before and after you enroll.

When you work with me, you aren’t just choosing a Medicare plan. You’re building a relationship with someone who knows your situation and is here when you need guidance.

Whether you’re:
✔️ Turning 65
✔️ Retiring from work
✔️ New to Medicare
✔️ Reviewing your current coverage

I’m here to help you make an informed decision with confidence.

📞 Call or Text: (210) 646-1349

Local Guidance. Personal Support. Better Decisions.

We do not offer every plan available in your area. Any information we provide is limited to the plans we do offer in your area. Currently, we represent 11 organizations which offer 63 products across our service areas. Please contact Medicare.gov, 1-800-MEDICARE, or your local State Health Insurance Program (SHIP) to get information on all of your options.

07/23/2026

Medicare is personal. Your coverage should be too. ❤️

One of the biggest advantages of working with an independent licensed insurance agent is having access to multiple Medicare plan options—not just one company’s plans.

When I help someone navigate Medicare, I’m not trying to fit everyone into the same plan. I compare available options to find the one that fits your doctors, your prescriptions, your preferred hospitals, your budget, and your priorities.

I like to think of it as putting together a puzzle.

When you have the right tools and access to a broad range of plans, it’s much easier to find the pieces that fit together. Trying to force a square peg into a round hole simply doesn’t work—especially when your healthcare is involved.

I believe everyone deserves to understand:
✔️ The advantages and limitations of each option
✔️ Expected costs and potential out-of-pocket expenses
✔️ Provider networks and prescription drug coverage
✔️ The trade-offs before making a decision

My goal isn’t to sell you a plan—it’s to help you understand your choices so you can make an informed decision with confidence.

If you’re turning 65, retiring, or simply have questions about your current Medicare coverage, I’d be happy to help.

📞 Call or Text: (210) 646-1349

Local Guidance. Personal Support. Better Decisions.

We do not offer every plan available in your area. Any information we provide is limited to the plans we do offer in your area. Currently, we represent 11 organizations which offer 63 products across our service areas. Please contact Medicare.gov, 1-800-MEDICARE, or your local State Health Insurance Program (SHIP) to get information on all of your options.

07/20/2026

07/11/2026

💼Still working past 65? You may not need Medicare Part B just yet.

One of the biggest misconceptions I hear is that everyone has to enroll in Medicare as soon as they turn 65.

The truth is—it depends.

If you’re still working and have health insurance through your employer, you may be able to delay Medicare Part B without paying a late enrollment penalty. But every situation is different, and making the wrong decision could lead to costly penalties or gaps in coverage.

As a local, independent Medicare agent, I’m here to help you:

✔ Review your current employer coverage
✔ Determine if it qualifies to delay Part B
✔ Explain the ABCs of Medicare in simple terms
✔ Understand your enrollment timeline
✔ Avoid unnecessary penalties
✔ Enroll when the time is right

My guidance is always personalized, educational, and at no cost to you.

📩 Send me a message if you’re working past 65—or if you have a spouse, parent, friend, or coworker who is. I’m happy to answer questions and help you understand your options before you make a decision.

📱 Call or Text: (210) 646-1349
📧 [email protected]

Local guidance. Personal support. Better decisions. 💙💛

We do not offer every plan available in your area. Currently we represent 9 organizations which offer 87 products in your area. Please contact Medicare.gov, 1-800-MEDICARE, or your local State Health Insurance Program (SHIP) to get information on all of your options.

07/09/2026

📋 Get Personalized Medicare Plan Recommendations—Made Just for You

Choosing the right Medicare plan doesn’t have to be overwhelming.

Simply message me and I’ll send you my secure Medicare Recommendation Form to complete at your convenience.

Once you fill it out, I’ll personally review your information, including:
✅ Your doctors and specialists
✅ Your prescription medications
✅ Your preferred pharmacies
✅ Your healthcare priorities
✅ Your ZIP code and available plans

I’ll then send you a personalized recommendation sheet that includes:
✔️ Plans that best fit your healthcare needs
✔️ A detailed explanation of why each plan was recommended
✔️ Information about provider networks, prescription coverage, and benefits
✔️ Cost comparisons, including premiums, deductibles, copays, and maximum out-of-pocket costs
✔️ Important benefits such as dental, vision, hearing, fitness, transportation, over-the-counter allowances, and more (when available)

My goal is to help you understand not just which plans are available—but why they may fit your unique situation.

There is no cost and no obligation. I simply want to help you make an informed Medicare decision with confidence.

📩 Message me today to receive your personalized recommendation form!

📞 (210) 646-1349
📧 [email protected]

We do not offer every plan available in your area. Currently we represent multiple Medicare Advantage organizations and plans. Please contact Medicare.gov, 1-800-MEDICARE, or your State Health Insurance Program (SHIP) for information on all of your options.

07/06/2026

𝐃𝐨 𝐲𝐨𝐮 𝐡𝐚𝐯𝐞 𝐚 𝐩𝐚𝐫𝐞𝐧𝐭, 𝐬𝐩𝐨𝐮𝐬𝐞, 𝐟𝐫𝐢𝐞𝐧𝐝, 𝐨𝐫 𝐧𝐞𝐢𝐠𝐡𝐛𝐨𝐫 𝐰𝐡𝐨’𝐬 𝐜𝐨𝐧𝐟𝐮𝐬𝐞𝐝 𝐚𝐛𝐨𝐮𝐭 𝐌𝐞𝐝𝐢𝐜𝐚𝐫𝐞?

You don’t have to figure it out alone—and neither do they.

Medicare can be overwhelming. Between enrollment deadlines, plan options, prescription coverage, provider networks, and unexpected costs, it’s easy to feel unsure about which choice is the right one.

As a local, independent Medicare broker, I help people understand their options in a way that’s simple, pressure-free, and personalized.

I can help with:
✅ Turning 65 and enrolling in Medicare
✅ Comparing Medicare Advantage and Supplement plans
✅ Reviewing current coverage to make sure it still fits your needs
✅ Understanding prescription drug coverage
✅ Explaining Medicare in plain English—without the confusing jargon

If you know someone who could use a little guidance, I’d be honored if you shared this post or tagged them below. A simple conversation today could save them time, money, and frustration tomorrow.

📞 Call or Text: (210) 646-1349
📧 [email protected]

Local guidance. Personal support. Better decisions.

There is never a fee for my Medicare guidance or plan reviews.



We do not offer every plan available in your area. Currently we represent 9 which offer 87 in your area. Please contact Medicare.gov, 1-800-MEDICARE, or your State Health Insurance Program for information on all of your options

06/30/2026

Do You Know These Important Medicare Rules?

Understanding Medicare can help you avoid costly surprises and make more confident decisions about your healthcare.

Here are a few important topics every Medicare beneficiary should know:

💲 IRMAA (Income-Related Monthly Adjustment Amount) – Higher-income individuals may pay an additional premium for Medicare Part B and Part D.

📅 Late Enrollment Penalties – Delaying enrollment in Part B or Part D could result in lifetime penalties.

❤️ Public Assistance Programs – You may qualify for state or federal programs that help lower Medicare costs, including premiums, copays, and prescription drug expenses.

🏥 Private Fee-for-Service (PFFS) Plans – Be sure your provider agrees to the plan’s payment terms before receiving non-emergency care.

📋 Special Needs Plans (SNPs) – These plans are designed for individuals with certain chronic conditions or specific circumstances. It’s important to understand the eligibility requirements and what happens if you no longer qualify.

Medicare doesn’t have to be confusing. I’m here to help you understand your options and find the coverage that fits your needs.

📞 Call or Text: (210) 646-1349
📧 Email: [email protected]

There is never a fee for my Medicare guidance and plan reviews.