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COFO Insurance Group Local Medicare guidance with personal, year-round support. Proud member of the Sarasota Chamber of Commerce & Sarasota Sunrise Rotary.

Serving the Suncoast and beyond.

Good morning—Medicare Open Enrollment is officially here. ☕Here’s the easy version:You bring:Your doctors, prescriptions...
10/15/2026

Good morning—Medicare Open Enrollment is officially here. ☕

Here’s the easy version:

You bring:
Your doctors, prescriptions, preferred pharmacy and what matters most to you.

Cory handles:
The detailed comparison of available coverage, estimated costs, networks, drug coverage and plan rules—and helps with enrollment if you decide a change makes sense.

You may be happy right where you are. The goal isn’t to switch everyone; it’s to understand the options and make an informed decision.

Open Enrollment runs October 15–December 7. Changes made during this period generally take effect January 1, as long as the plan receives the enrollment request by December 7.

Not affiliated with or endorsed by Medicare or any government agency.

📣 Tomorrow’s the day!Medicare Open Enrollment begins October 15. Between October 15 and December 7, eligible beneficiari...
10/14/2026

📣 Tomorrow’s the day!

Medicare Open Enrollment begins October 15. Between October 15 and December 7, eligible beneficiaries can make changes such as:

- Switching Medicare Advantage plans
- Joining, changing or dropping Medicare drug coverage
- Moving between Original Medicare and Medicare Advantage

Any coverage changes selected during this period generally begin January 1, provided the plan receives the enrollment request by December 7.

That doesn’t mean everyone needs a new plan. It simply means it’s time to see whether your current coverage still matches your doctors, prescriptions, preferred pharmacy, expected costs and priorities.

Have that information handy. Starting tomorrow, Cory can handle the detailed comparisons and enrollment assistance—so you don’t have to spend your fall arguing with a pile of plan documents. 🍂☕

Not affiliated with or endorsed by Medicare or any government agency.

One thing to know today: “My doctor takes Medicare” doesn’t necessarily mean “my doctor is in every Medicare Advantage p...
10/13/2026

One thing to know today: “My doctor takes Medicare” doesn’t necessarily mean “my doctor is in every Medicare Advantage plan’s network.”

Depending on the plan, using an out-of-network provider may cost more—or routine out-of-network care may not be covered. Medicare recommends checking the plan’s network before enrolling.

Before Open Enrollment begins, jot down your doctors, specialists and preferred hospitals. Starting October 15, Cory can use that list when comparing your available coverage options. Your provider or the plan may also need to confirm current participation.

Medicare Open Enrollment begins in 2 days: October 15–December 7.

Not affiliated with or endorsed by Medicare or any government agency.

Same medication. Same dosage. Different price?Yep—it can happen.Medicare drug plans have their own covered-drug lists an...
10/12/2026

Same medication. Same dosage. Different price?

Yep—it can happen.

Medicare drug plans have their own covered-drug lists and cost-sharing tiers. A medication placed on a higher tier will generally cost more, and some preferred in-network pharmacies may offer lower copays or coinsurance than other pharmacies.

Before Open Enrollment begins, have these three details ready:

💊 Exact medication name
📋 Dosage
📍 Preferred pharmacy

Then, beginning October 15, Cory can compare your medications and pharmacy choices across the available plans. You provide the prescription list—he handles the detective work.

Three days until Medicare Open Enrollment!
October 15–December 7

Not affiliated with or endorsed by Medicare or any government agency.

MYTH: “If I keep the same Medicare plan, nothing changes.”FACT: A plan may continue into 2027 while its costs, coverage ...
10/09/2026

MYTH: “If I keep the same Medicare plan, nothing changes.”

FACT: A plan may continue into 2027 while its costs, coverage or other details change. Your Annual Notice of Change explains what will be different beginning in January.

Keep that notice handy. During Medicare Open Enrollment, Cory can review the updated information, compare your enrollment choices and help you decide whether remaining enrolled or making a change better fits your needs. Staying put may be appropriate—but it should be an informed decision.

Open Enrollment: October 15–December 7
Changes selected during this period generally take effect January 1

Not affiliated with or endorsed by Medicare or any government agency.

Question: What can I actually change during Medicare Open Enrollment?Answer: Depending on the coverage you have now, you...
10/08/2026

Question: What can I actually change during Medicare Open Enrollment?

Answer: Depending on the coverage you have now, you may be able to change Medicare Advantage plans, change Medicare drug plans, or switch between Original Medicare and Medicare Advantage.

That doesn’t mean everyone should change. It means October 15–December 7 is your opportunity to see whether next year’s coverage still works for your doctors, prescriptions, expected costs and priorities.

One important caution: returning to Original Medicare may involve choosing separate drug coverage, and purchasing a Medigap policy isn’t guaranteed in every situation. That decision deserves a careful review—not a snap enrollment.

Contact Cory to arrange your review during Open Enrollment. He’ll handle the detailed plan comparisons and explain the available enrollment choices.

Changes selected during Open Enrollment generally begin January 1.

Not affiliated with or endorsed by Medicare or any government agency.

You don’t need a crystal ball to prepare for Medicare Open Enrollment—just your calendar. 🔮🍂Think about healthcare you a...
10/07/2026

You don’t need a crystal ball to prepare for Medicare Open Enrollment—just your calendar. 🔮🍂

Think about healthcare you already expect to need next year, such as:

✓ Specialist appointments
✓ Planned procedures or outpatient surgery
✓ Physical, occupational or speech therapy
✓ Ongoing treatments
✓ Medical equipment or supplies

Write down the providers and facilities involved, too. Medicare Advantage networks, referral requirements, prior authorization rules and costs can differ by plan.

Organize this information now. During October 15–December 7, Cory will handle the detailed comparisons using your expected care, doctors, prescriptions, pharmacy preferences, costs and priorities.

Your current coverage may still be the right fit. The purpose is to make an informed decision—not assume a change is necessary.

Not affiliated with or endorsed by Medicare or any government agency.

A hospital stay may come with more than one kind of bill. Hospital indemnity insurance can provide an additional cash be...
10/06/2026

A hospital stay may come with more than one kind of bill. Hospital indemnity insurance can provide an additional cash benefit—but it isn’t a replacement for Medicare or comprehensive health coverage. 🏥🍂

Depending on the policy, benefits may be paid for qualifying hospital admissions, overnight stays or other covered events. Before deciding whether this supplemental coverage fits your needs, review:

✓ The fixed benefit amounts
✓ Covered events and eligibility rules
✓ Waiting periods and exclusions
✓ Benefit limits and claim requirements
✓ Premiums and overall budget
✓ Your existing Medicare and supplemental coverage

Organize your information now and contact Cory to schedule your coverage review during Medicare Open Enrollment, October 15–December 7. Cory will examine your Medicare coverage, potential hospital cost-sharing and the specific indemnity policy terms before you decide.

Not everyone needs hospital indemnity coverage—and no policy should be assumed to cover every hospital expense.

Not affiliated with or endorsed by Medicare or any government agency.

Retiree coverage isn’t paperwork you want to accidentally retire. 📁😄If you have coverage from a former employer or union...
10/05/2026

Retiree coverage isn’t paperwork you want to accidentally retire. 📁😄
If you have coverage from a former employer or union, organize these items before Medicare Open Enrollment:

✓ Your benefit booklet
✓ Creditable drug-coverage notice
✓ Benefits administrator’s contact information
✓ Coverage details for your spouse or dependents

In some situations, joining a Medicare Advantage or drug plan could affect employer, union or retiree coverage—and lost coverage may not be available again. Contact the benefits administrator before making any enrollment decision.

During October 15–December 7, Cory will incorporate those rules when handling the detailed plan comparisons for you. Your current arrangement may still be appropriate; the goal is to understand how all your coverage works together.

Not affiliated with or endorsed by Medicare or any government agency.

“The blue one” may work at the kitchen table—but it isn’t enough information for a Medicare comparison. ☕😄As you prepare...
10/02/2026

“The blue one” may work at the kitchen table—but it isn’t enough information for a Medicare comparison. ☕😄

As you prepare for Open Enrollment, keep these items together:

✓ Your current health or drug-plan card
✓ The plan’s exact name
✓ Your Annual Notice of Change
✓ Your medication, doctor and pharmacy lists

Your ANOC explains changes to your plan’s coverage and costs for the coming year. Having the correct plan information helps Cory compare the right coverage during October 15–December 7.

Organize now and contact Cory to arrange your Open Enrollment review. Cory handles the detailed comparisons for you—and your current coverage may still meet your needs.

Not affiliated with or endorsed by Medicare or any government agency.

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