Patrick Friery - Understanding Medicare

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Patrick Friery - Understanding Medicare Licensed in over 30 states, specializing in Medicare Advantage & Supplements, Hospital Indemnity, Dental/Vision, Final Expense and ACA Health Plans.

Serving Cleveland, OH and beyond. Patrick Friery is an independent agent and has no government affiliation

Today is Day 1 of Medicare Annual Enrollment! (Oct 15 – Dec 7) Starting today, you have the opportunity to make changes ...
10/15/2026

Today is Day 1 of Medicare Annual Enrollment! (Oct 15 – Dec 7)

Starting today, you have the opportunity to make changes to your Medicare Advantage or Prescription Drug coverage for the coming year.

Even if you’re generally satisfied with your current plan, formularies, networks, and out-of-pocket costs change every single year. A quick review ensures you won't encounter any surprises at the pharmacy counter or doctor's office in January.

What we check together:
✅ Your preferred doctors, clinics, and hospitals
✅ Your specific prescription medication list
✅ Extra benefits like dental, vision, hearing, and wellness allowances

My guidance is 100% independent, unbiased, and completely free of charge. Whether you prefer to meet over the phone, virtually, or locally in person, I'm here to help you navigate your options simply.

Drop me a message on Facebook or call/text (216) 400-5529 today to book your annual review!

Disclaimer: Not connected with or endorsed by the U.S. government or the federal Medicare program. We do not offer every plan available in your area. Please contact Medicare.gov or 1-800-MEDICARE for information on all available options.

09/23/2026

New government inflation data points to a higher Social Security cost-of-living adjustment for 2027. Here's what experts estimate the change may be.

09/08/2026

📬 Keep an eye on your mailbox this month!
If you are enrolled in a Medicare Advantage or standalone Prescription Drug Plan (Part D), your plan is required to send your Annual Notice of Change (ANOC) by September 30th.
Don’t toss it aside with the junk mail—this document details every upcoming change to your current coverage starting January 1st, including:
Costs: Changes to your monthly premium, deductibles, copays, or coinsurance.
Drug Formulary: Coverage tiers, dosage limits, or changes to the medications covered.
Provider Networks: Updates to in-network doctors, specialists, hospitals, and pharmacies.
Extra Benefits: Adjustments to dental, vision, hearing, or wellness allowances.
Reviewing your ANOC early gives you time to decide if your plan still fits your healthcare and budget needs before the Annual Enrollment Period (AEP) begins on October 15th.
Have questions about what to look for in your packet? Drop a comment below or send a direct message—let’s make sure you’re ready for 2027!
Disclaimer: Not affiliated with or endorsed by the government or the federal Medicare program. We do not offer every plan available in your area. Currently we represent [insert #] organizations which offer [insert #] 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.

08/13/2026

Answering questions from yesterday’s webinar.
If you know someone that could benefit from having questions like these answered, send me a message and I’ll get you an invite to an upcoming webinar!

08/07/2026

The average traditional funeral in America now costs between $8,000 and $12,000.

Leaving those costs to grieving children is a burden no parent wants to pass on.

Final Expense Whole Life Insurance offers:
✅ Fixed premiums that NEVER increase as you age
✅ Benefits that NEVER decrease
✅ No mandatory medical exams (just simple health questions)
✅ Payouts sent quickly to your beneficiary tax-free

Lock in your rate today so your family is protected tomorrow.

💬 Comment "PEACE" or send a direct message to review rates for ages 50–85.

08/07/2026

Turning 65 is a major milestone, but navigating Medicare can feel overwhelming if you don't know what to expect.

3 Things You Need to Know When You're Turning 65

Medicare enrollment may require action on your part: Unless you are already receiving Social Security or Railroad Retirement Board benefits, you will not be enrolled automatically. You must actively sign up during your 7-month Initial Enrollment Period (which starts 3 months before the month you turn 65).

Medicare is not free, and it doesn't cover everything: Original Medicare comes with premiums, deductibles, copays, and coinsurance. It also excludes several routine health services, which is why many choose to add supplemental coverage or a Medicare Advantage plan.

You may pay lifelong penalties if you enroll late: Missing your Initial Enrollment Period without having other qualifying coverage (like employer insurance) can result in permanent monthly late enrollment penalties for Part B and Part D.

Don't leave your healthcare to chance—getting ahead of your coverage options early saves time, money, and stress!

Have questions about your initial enrollment window? Drop a comment or send a message to get clear, step-by-step guidance!

Turning 65 in November? Your Medicare Initial Enrollment Period (IEP) is officially open!If you’re reaching this milesto...
08/06/2026

Turning 65 in November? Your Medicare Initial Enrollment Period (IEP) is officially open!

If you’re reaching this milestone, you have a 7-month window to sign up for Medicare:
3 months before the month you turn 65
The month you turn 65
3 months after the month you turn 65

While 7 months sounds like plenty of time, enrolling as early as possible during those first 3 months is the best move. Here is why you shouldn't wait:

Seamless Coverage Start: Enrolling before your birth month ensures your Medicare coverage kicks in on the first day of the month you turn 65, eliminating any gap in health insurance.

Avoid Late Enrollment Penalties: Missing your IEP can lead to lifelong financial penalties added to your monthly Part B (and Part D) premiums.

Avoid Delays in Medical Care: Waiting until your birth month or the months after can delay your coverage start date by weeks or months, leaving you vulnerable to unexpected healthcare costs.

Time to Compare Plans: Signing up early gives you extra time to evaluate Supplemental (Medigap), Medicare Advantage, and Prescription Drug plans without feeling rushed.

Take control of your healthcare coverage today so you can enjoy your 65th birthday stress-free!

Need help navigating your options or finding the right plan? Drop a comment below or send me a message to get started!

08/06/2026

Recap of the Q&A from yesterday’s webinar. Send me a message if you’d like to attend next week!

08/05/2026

My weekly Medicare 101 webinar is 90 minutes away! There’s still time to register. Send me a message and I’ll get the link over to you.

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