Horsey Insurance

07/29/2026

Clarification on the Trump Administration action on supposedly "eliminating the Medicare subsidy program":

In 2025, the Centers for Medicare and Medicaid Services (CMS) created a program called "The Part D Premium Stabilization Demonstration" that was set to expire at the end of 2026. This program was established to limit monthly premium spikes in Medicare Part D Rx plans. This program is a failure as we have seen dramatic spikes in Medicare Part D premiums due to the new "Cap System" that was implemented under the Biden Administration.

In no way is the Trump Administration eliminating anything, this is a program that was set to expire at the end of 2026 by CMS.

This is being presented by the media in a way that can create fear in the senior community making it sound as if there is going to be some big effect by this.

Please contact us if you have any questions about this.

David 417-766-5090
Susan 417-766-3203

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01/27/2026

We have a new office address, and are excited to announce that we will be officing with Fortified Elder Law. This was a strategic move to work with people that can further assist our senior clients with their estate planning needs.

The new office is located at 2711 S. Meadowbrook Ave, Springfield, MO.

12/04/2024

https://www.mercy.net/newsroom/2024-12-03/anthem-blue-cross-and-blue-shield-and-mercy-announce-new-contrac/

Mercy and Anthem Blue Cross and Blue Shield in Missouri (Anthem) have reached a new multi-year agreement providing Anthem members with continued access to affordable, high-quality care at all Mercy hospitals, outpatient care centers and physician offices across Missouri.

10/02/2024

The Medicare Annual Enrollment season is upon us!! If you, any family or friends need help navigating the upcoming changes in Medicare, we are here to help. You can call David (417-766-5090) or Susan (417-766-3203) any time, even if you just have a question.

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09/24/2024

Inflation Reduction Act has implemented a $2,000 drug cap to Medicare enrollees. This is at a cost of 65% to insurance companies once cap is hit, compared to 25% before cap. In 2024, if a person is taking a name brand drug that retails for $800, they would be paying an average of a $45 copay, resulting in a cost of just under $1,000 on the year. With the increase cost to insurance companies, they all have been forced to go to coinsurance for name brand Rx, rather than fixed copays. So, in 2025, will pay approximately $160-$180 per month for the same Rx, and will hit the $2k cap.

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09/11/2024

PLEASE READ:

Clarification on the Inflation Reduction Act in regards to Medicare Rx plans. There was a $2000 cap put on Rx for seniors. As a part of this program, insurance companies will be required to cover 65% of medication costs above the $2000 threshold. This increased cost to insurance companies has caused a reduction of benefits to all Medicare recipients. Plus, insurance companies providing stand alone drug plans have announced that most plans will not be paying insurance agents for new plans, with one company (Wellcare) also saying they won’t be paying renewals on existing business. A small percentage of seniors go over $2000 of Rx expense on the existing plan. Reality is that the cap will only slightly help a small percentage of Medicare recipients, but literally every Medicare recipient will be taking reduction of benefits in 2025 and insurance agents will be losing a lot of money in renewal commissions (while still servicing those policies). Politicians brag about creating the cap, but reality is the plan has literally hurt everyone associated with Medicare Plans.

09/10/2024

To all the people that have heard the news that Mercy put out a statement saying they will not have any Anthem plans in network next year. This is not a done deal and the contract is still in negotiation. According to our reps, they feel this is just a negotiating, move by Mercy to put pressure on Anthem and their contract negotiations. Also, according to our reps, they are very confident that Mercy will be in network with Anthem next year. Stay tuned. 

01/26/2024

We have a new website!!! Check it out.

Thanks to Josh Hill at Slingshot Creative for creating our new site.

Dave and Susan have been our insurance agents for many years. They always give us the best deal possible on insurance every year. They are easy to work with and I would recommend them to anyone.

03/31/2023

Medicaid redetermination is upon us. Millions of Americans will be losing Medicaid coverage. For those on Medicare and Medicaid, they will have to change their plan. For those on Medicaid only, they will need to obtain their own coverage. We are here to help with both scenarios. Contact us either via message or send us a note through our website www.horseyinsurance.com

01/18/2023

Received notification that the current state run Medicaid expansion will be ending on April 1, 2023. This means a lot of people will be losing Medicaid coverage and will need to get their own individual or employer insurance.

We can help with this process. If you are losing coverage and/or know somone who is, please let us know and we can help set you up.