Gagan Insurance

10/11/2026

𝗧𝗵𝗲 𝗔𝗻𝗻𝘂𝗮𝗹 𝗘𝗻𝗿𝗼𝗹𝗹𝗺𝗲𝗻𝘁 𝗣𝗲𝗿𝗶𝗼𝗱 (𝗔𝗘𝗣) 𝟮𝟬𝟮𝟳 𝗶𝘀 𝗵𝗲𝗿𝗲!

That crazy time of year when everyone on Medicare has the opportunity to make changes to their Medicare Advantage plans or Prescription Drug Plans (PDP), is upon us. The Annual Enrollment Period (AEP) begins on October 15th and runs through December 7th every year. This is the time of year when Medicare lets us know the increases to the Part B premiums and IRMAA charges, the Part B deductible, the PDP plan deductible and the maximum out of pocket for the drug plans. It is also when all the Advantage plans and Prescription Drug Plans (PDP's) send out their Annual Notice of Change (ANOC) - showing the changes to plan copays, deductibles and premiums, formularies and benefits offered.

Let's do a quick refresher on the difference between a Medicare Supplement plan + Prescription Drug Plan versus a Medicare Advantage plan:

Medicare Supplement Plan + PDP

- You can go to ANY doctor, ANY hospital, ANYWHERE in the United States, as long as that doctor or hospital accepts Medicare (which 98% of doctors do).
- Supplement plans have a monthly premium based on your age (in many states), and the premium may increase each year with inflation and your age.
- You will also have to have a separate, stand-alone Prescription Drug Plan, which will also have a premium and a deductible.
- May require underwriting to enroll in Supplement plan

Medicare Advantage Plan

- Usually has a $0 or small monthly premium
- Small copays for every service you receive
- A Maximum Out of Pocket for your copays/year
- The drug plan is often built-in (so no premium)
- They tend to have some additional benefits such as vision, hearing, gym membership, etc.
- Advantage plans are primarily HMO, but there are still a few PPO plans available

There are some major changes this year, including that many existing Advantage PPO plans are terminating, and you will be receiving a plan termination letter or SARS (Service Area Reduction). This creates a terrific opportunity for those people who would like to switch from an Advantage plan to a Supplement plan, and not have to go through underwriting.

If this is something you would like to explore, PLEASE BE SURE TO KEEP YOUR PPO PLAN TERMINATION LETTER!

09/05/2026

Medicare Part D is changing again in 2027, and understanding those changes now can help beneficiaries avoid surprises later.

Read more at: https://www.gaganinsurance.com/blog/part-d-drug-plans-in-2027

08/09/2026

Learn the five most common financial scams targeting older adults, how fraudsters operate, and what you can do to protect yourself and your money.

Learn more at: https://www.gaganinsurance.com/blog/five-scams-to-be-aware-of

07/08/2026

We may not be around to see it opened, but what a gift to leave behind. A time capsule sealed this week in Philadelphia won't be dug up until 2276 — a little piece of us, waiting 250 years into the future. Here's what's inside:

https://www.gaganinsurance.com/blog/whats-inside-the-america-250-time-capsule

07/04/2026

05/03/2026

GLP-1 drugs like Ozempic, Wegovy, Mounjaro, and Zepbound are reshaping treatment for obesity, diabetes, and cardiovascular disease, but high costs, Medicare limits, and strict prior authorization rules are complicating access. Learn how pricing caps, insurance policies, and federal programs may impact availability and affordability.

Read more at: https://www.gaganinsurance.com/blog/patients-face-new-barriers-for-glp-1-drugs-like-wegovy-mounjaro-and-ozempic

04/04/2026

Premiums change, but your peace of mind shouldn’t. Let’s review your Medicare Supplement options together.

Learn more: https://www.gaganinsurance.com/blog/medicare-supplement-premium-increase-reasons

03/16/2026

GLP-1 medications like Ozempic, Wegovy, Mounjaro, and Zepbound are widely discussed for diabetes and weight management. But many Medicare beneficiaries wonder whether these medications are covered. The answer largely depends on why the medication is prescribed and on the details of your Medicare Part D plan.

Learn more: https://www.gaganinsurance.com/blog/medicare-glp-1-medications-what-you-should-know

02/15/2026

𝗛𝗲𝗮𝗹𝘁𝗵𝘆 𝗘𝗮𝘁𝗶𝗻𝗴 𝗔𝘀 𝗪𝗲 𝗔𝗴𝗲

Making smart food choices is an important part of healthy aging. Understanding the different food groups and how much of each should make up your diet can help you form a healthy eating pattern over time. We look at the main food groups and other important nutrients recommended for older adults. It is important to get the recommended amount of each food group without exceeding your daily calorie limit. Keep in mind that the amount you should eat to maintain your weight depends on your age, s*x, and level of physical activity.

MAIN FOOD GROUPS

Vegetables: Vegetables come in a wide variety of colors, flavors, and textures. They contain vitamins and minerals, carbohydrates, and are an important source of fiber.

Fruits: Fruits bring color, flavor, and important nutrients to your diet. There are so many choices: citrus fruits like oranges and grapefruits; different kinds of berries; fruits that grow on trees, such as apricots, cherries, peaches, and mangoes; and others like figs, grapes, and pineapples.

Grains: Any food made from wheat, rye, rice, oats, cornmeal, barley, or other cereal grain is a grain product. This includes bread and pasta, breakfast cereal, grits, tortillas, and even popcorn. Grains — along with fruits, vegetables, and dairy — contain carbohydrates, the body’s main source of energy.

Protein foods: Proteins are often called the body’s building blocks. They are used to build and repair tissues and help your body fight infection. Your body uses extra protein for energy. Older adults should try to eat a variety of nutrient-dense proteins. Choose lean (low-fat) meats and poultry. Keep in mind that you can also get protein from seafood, eggs, beans, nuts, seeds, and soy products.

Dairy: Consuming dairy helps older adults maintain strong bones and provides several vital nutrients, including calcium, potassium, and vitamin D.