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InsuranceSmart Helping seniors understand, enroll in, & get most of Medicare since 2005.

Each year, Medicare drug plans can change what they cover, how much you pay, and the rules around your prescriptions. Th...
10/14/2026

Each year, Medicare drug plans can change what they cover, how much you pay, and the rules around your prescriptions. That means a medication that worked for you this year may cost more, or may not be covered at all, next year.

A simple prescription coverage review can help you:

✅Confirm your prescriptions are still covered under your plan.
✅Identify potential restrictions like prior authorization or step therapy.
✅Explore lower-cost or generic alternatives.
✅Avoid unexpected out-of-pocket expenses.

You can acutally do this on your own on the Medicare.gov website if you have a Medicare.Gov account. If you don't yet have one we can show you how to make one. It is very important to put all your medications in the system, pick at least 4 pharmacies in your area, then let the system shop to find you the very best Part D drug plan.

We are just now entering the Annual Enrollment Period when you can shop your Part D drug plan to make sure all your medications are covered on your plan for next year. It is very important that you do this now or you may have an unwelcome surprise come January and you will not be able to change at that time.

With rising prescription costs and ongoing changes to Medicare drug coverage, reviewing your medications annually is one of the best ways to protect both your health and your budget.

If you have questions about your coverage or want help reviewing your current plan, we are here to help. Give us a call today, and we can get started.
To contact us:
1. Call: (210)972-9035
2. Email: [email protected]
3. Book call with licensed agent: https://calendly.com/insurancesmart/15-minute-phone-call
4. Visit website: www.GetInsuranceSmart.com
5. Find us on Google: https://maps.app.goo.gl/CMowfY8eCRRSZsEn7

Medicare plan changes are not available at any time during the year, which is why it is important to understand when you...
10/10/2026

Medicare plan changes are not available at any time during the year, which is why it is important to understand when you can switch or adjust your coverage and when you may need to wait for the next enrollment window. Swipe for more information.

We hope you find this information helpful. As always, if you have any questions about your coverage, don’t hesitate to reach out to us. We are here to help you make the most of your coverage.
To contact us:
1. Call: (210)972-9035
2. Email: [email protected]
3. Book call with licensed agent: https://calendly.com/insurancesmart/15-minute-phone-call
4. Visit website: www.GetInsuranceSmart.com
5. Find us on Google: https://maps.app.goo.gl/CMowfY8eCRRSZsEn7

If you’re turning 65 soon and are unsure about what it means to enroll in Medicare, you are not alone. One of the most c...
10/07/2026

If you’re turning 65 soon and are unsure about what it means to enroll in Medicare, you are not alone. One of the most common questions we hear from those nearing retirement is around the timeline for signing up for Medicare.

So, we wanted to share a few important reminders to help you stay on track:

✅Know your enrollment window. Your initial enrollment window lasts for seven months — three months before your 65th birthday, your birthday month, and three months after your birthday. Enrolling early in this timeframe can help ensure your coverage begins right when you need it.

✅Understand how to sign up. Some individuals are automatically enrolled in Original Medicare, while others need to take action themselves to enroll in Original Medicare. This often depends on whether you are already receiving Social Security benefits.

✅Do not delay without a plan. Waiting too long to enroll without qualifying coverage can result in delayed coverage start dates and ongoing late-enrollment penalties.

✅Be aware of other options. If you are still working and covered under an employer plan, you may qualify for a Special Enrollment Period that can allow you to defer your enrollment. However, missing all enrollment windows can limit your options and increase costs, so it's best to clarify this early.

Medicare decisions can feel overwhelming, but you do not have to navigate them alone. Whether you are approaching 65 or are simply evaluating your options, contact us for guidance tailored to your situation.

To contact us:
1. Call: (210)972-9035
2. Email: [email protected]
3. Book call with licensed agent: https://calendly.com/insurancesmart/15-minute-phone-call
4. Visit website: www.GetInsuranceSmart.com
5. Find us on Google: https://maps.app.goo.gl/CMowfY8eCRRSZsEn7

As you may know, it’s time for Medicare’s annual enrollment period (AEP), a key opportunity to alter your Medicare healt...
10/07/2026

As you may know, it’s time for Medicare’s annual enrollment period (AEP), a key opportunity to alter your Medicare health and prescription drug plans for the upcoming year. The Medicare AEP runs from October 15th to December 7th every year, making now a potentially advantageous time to review your current coverage and plan ahead for any changes next year.

Now is the time to make changes and compare options to make sure you have the best coverage for 2027. We've been helping folks since 2005 and have a 5 star rating on Google and are here to help you navagate your Medicare options during this years AEP.

We are here to help make the process simpler and help you choose coverage that fits your needs. That said, if you’d like to go over your current plan, feel free to reach out. We are always here to help you carefully assess your needs so you can make an informed decision.
To contact us:
1. Call: (210)972-9035
2. Email: [email protected]
3. Book call with licensed agent: https://calendly.com/insurancesmart/15-minute-phone-call
4. Visit website: www.GetInsuranceSmart.com
5. Find us on Google: https://maps.app.goo.gl/CMowfY8eCRRSZsEn7

Life insurance beneficiary designations play an important role in making sure assets are passed along according to your ...
10/05/2026

Life insurance beneficiary designations play an important role in making sure assets are passed along according to your wishes. While many people set these up once, it’s worth revisiting them from time to time. Swipe through to learn more.

If you’d like to review your current policies or talk through your beneficiary designations, feel free to reach out anytime. We are always happy to help.

To contact us:
1. Call: (210)972-9035
2. Email: [email protected]
3. Book call with licensed agent: https://calendly.com/insurancesmart/15-minute-phone-call
4. Visit website: www.GetInsuranceSmart.com
5. Find us on Google: https://maps.app.goo.gl/CMowfY8eCRRSZsEn7

Medicare Annual Enrollment begins October 15th, which means now is the time to watch for an important document from your...
09/15/2026

Medicare Annual Enrollment begins October 15th, which means now is the time to watch for an important document from your current Medicare Advantage or Part D plan: your Annual Notice of Change (ANOC)

Typically mailed in September, and no later than September 30th, your ANOC outlines any updates that may take effect on January 1st. Even if you’ve been happy with your current coverage, reviewing these changes carefully can help you avoid unexpected costs or coverage gaps in the year ahead.

Your ANOC may include updates to:

✅ Monthly premiums and other out-of-pocket expenses.
✅ Prescription drug coverage and formularies.
✅ Doctor, hospital, and pharmacy networks.
✅ Copays, deductibles, and additional plan benefits.

Small plan changes can make a significant difference in your health care costs and provider access. Taking time to review your ANOC now can help you make more informed decisions during Medicare Annual Enrollment.

If you would like help understanding your plan changes or comparing your Medicare options before enrollment begins, contact us anytime. We are here to help you review your coverage and find a plan that fits your needs for 2027.

To contact us:
1. Call: (210)972-9035
2. Email: [email protected]
3. Book call with licensed agent: https://calendly.com/insurancesmart/15-minute-phone-call
4. Visit website: www.GetInsuranceSmart.com
5. Find us on Google: https://maps.app.goo.gl/CMowfY8eCRRSZsEn7

We wish each of you a wonderful Labor Day! During this annual celebration of hard work, may you enjoy a well-deserved, r...
09/04/2026

We wish each of you a wonderful Labor Day! During this annual celebration of hard work, may you enjoy a well-deserved, restful break.

Please note that our office will be closed on Monday, September 7th, in observance of the holiday, and will reopen on Tuesday, September 8th.

To contact us:
1. Call: (210)972-9035
2. Email: [email protected]
3. Book call with licensed agent: https://calendly.com/insurancesmart/15-minute-phone-call
4. Visit website: www.GetInsuranceSmart.com
5. Find us on Google: https://maps.app.goo.gl/CMowfY8eCRRSZsEn7

Do you know the difference between term life and whole life insurance? If not, you are not alone — it is one of the most...
08/27/2026

Do you know the difference between term life and whole life insurance? If not, you are not alone — it is one of the most common questions people have when exploring life insurance for the first time. Swipe for a quick breakdown to help you understand how the two compare.

The right choice depends on your budget, your goals, and what you need your life insurance to do for your family. Have questions? Give us a call, and we are happy to help you find the right fit.

To contact us:
1. Call: (210)972-9035
2. Email: [email protected]
3. Book call with licensed agent: https://calendly.com/insurancesmart/15-minute-phone-call
4. Visit website: www.GetInsuranceSmart.com
5. Find us on Google: https://maps.app.goo.gl/CMowfY8eCRRSZsEn7

Getting married means building a life together, and protecting it should be part of the plan. Life insurance is one of t...
08/26/2026

Getting married means building a life together, and protecting it should be part of the plan. Life insurance is one of the most important ways to help safeguard your shared financial future and provide stability no matter what comes next. Swipe for some key life insurance considerations for newlyweds.

Starting your journey together with the right protection in place can make all the difference. Contact us today to learn more about your life insurance options and find coverage that fits your goals.

To contact us:
1. Call: (210)972-9035
2. Email: [email protected]
3. Book call with licensed agent: https://calendly.com/insurancesmart/15-minute-phone-call
4. Visit website: www.GetInsuranceSmart.com
5. Find us on Google: https://maps.app.goo.gl/CMowfY8eCRRSZsEn7

Physical therapy and occupational therapy can play an important role in injury recovery, mobility, pain management, and ...
07/28/2026

Physical therapy and occupational therapy can play an important role in injury recovery, mobility, pain management, and day-to-day function, but whether or not they are covered under Original Medicare or Medicare Advantage can vary. Swipe for more information.

If you are looking to start physical or occupational therapy and have questions about how your coverage works or want help reviewing your options, contact our office. We are here to help you make the most of your benefits.

To contact us:
1. Call: (210)972-9035
2. Email: [email protected]
3. Book call with licensed agent: https://calendly.com/insurancesmart/15-minute-phone-call
4. Visit website: www.GetInsuranceSmart.com
5. Find us on Google: https://maps.app.goo.gl/CMowfY8eCRRSZsEn7

Address

Forum Office Building 8000 IH 10 West, Suite 600 (6th Floor)
San Antonio, TX
78230

Opening Hours

Monday 9am - 5pm
Tuesday 9am - 5pm
Wednesday 9am - 5pm
Thursday 9am - 5pm
Friday 9am - 5pm

Telephone

+12109729035

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