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Tye Fowler Insurance Broker, Towanda, PA (2026)

10/08/2025

📣 Medicare’s Annual Enrollment Period (AEP) starts October 15th!

If you or someone you know is on Medicare, this is the time to review your current plan and make sure it still fits your needs for 2026.

✅ Compare 2025–2026 Medicare Advantage & Prescription Drug Plans
✅ Check your doctors and prescriptions for next year
✅ Explore new benefits — some plans offer extra help like dental, vision, OTC, transportation, and more

I’m here to help make the process easy, clear, and stress-free.

As a licensed independent Medicare broker, I work with multiple carriers to help you find the plan that best fits your needs and budget — at no cost to you.

📅 Message me to schedule your free Medicare review before December 7th!

⸻

Disclaimer: I do not offer every plan available in your area. Any information I provide is limited to those plans I do offer in your area. Please contact Medicare.gov, 1-800-MEDICARE, or your local State Health Insurance Program (SHIP) to get information on all your options.

07/22/2025

10. “If You’re on Medicaid, Medicare, or Marketplace…This Affects You”
🟡 A catch-all post that reminds people this isn’t just a Medicaid thing—it has ripple effects across multiple coverage types.

You may have seen talk about the Big Beautiful Bill online—but brushed it off because, hey, “I already have coverage.”

But here’s the thing:

This new legislation isn’t just about budgets or headlines.

It directly impacts how health coverage is approved, maintained, and paid for—especially if you're on Medicaid, Medicare + Medicaid, or Marketplace plans.

Let’s break it down:

If you’re on Medicaid:

👉The BBB gives states the green light to tighten eligibility rules.
That means more paperwork. More frequent income checks. And yes—new work requirements in some cases.

👉Some states may now charge up to $35 per visit for Medicaid-covered services.
If you qualify based on income alone, don’t be surprised if doctor visits or other services start coming with a bill.

👉Retroactive coverage is now limited to just 1 month.
If you lose coverage—even by accident—you could be stuck without help until you requalify.

If you’re on both Medicare and Medicaid (dual-eligible):

Changes to your Medicaid status could impact your:
• Monthly premiums
• Drug cost assistance (LIS/Extra Help)
• Eligibility for certain plans

If your Medicaid ends due to new rules, your Medicare plan may no longer work the same way.

If you’re on a Marketplace (ACA) plan:

More people will be entering the Marketplace after losing Medicaid. That could affect plan availability, call center wait times, and how quickly you need to act if your situation changes.

The good news?
You may qualify for a Special Enrollment Period if you lose Medicaid—but the clock starts the day your coverage ends.

Bottom line:
This bill affects more than just government programs.
It affects you. Your parents. Your neighbors. Your clients.
The best thing you can do?

Stay informed. Stay organized. And ask for help before things fall through the cracks.
If you’re unsure how this applies to your coverage—or you’ve gotten a notice you don’t understand—reach out.

I’ll help you walk through what’s changing and what your options are.
Always call your agent first!
If you don’t work with an agent, find an agent you trust.

DISCLAIMER: We do not offer every plan available in your area. Please contact Medicare.gov, 1-800-MEDICARE , or your local State Health Insurance Assistance Program (SHIP) to get information on all your options.

07/17/2025

9. “Don’t Assume You’re Safe—Recheck Your Eligibility Every 6 Months”

There’s a lot of noise online about the Big Beautiful Bill.
But here’s what matters for you:

This new legislation is reinforcing stricter Medicaid rules—making it easier for states to check eligibility more often, reduce coverage periods, and even charge you more to see a doctor.

Translation? If you’re on Medicaid, you need to stay alert.

Here’s what’s happening:

👉The Big Beautiful Bill encourages states to reverify Medicaid eligibility more frequently.

In some states, that means checks every 6 months—not just once a year.

👉It also cuts retroactive Medicaid coverage down to 1 month.
So if you lose benefits because of a missed form or deadline, it’s much harder to get coverage reinstated without gaps.

👉And it opens the door for new out-of-pocket costs—up to $35 per doctor visit—for some adults who qualify based on income.

Bottom line: You can’t afford to assume your coverage is still active just because it was last time you checked.

Even if nothing in your life has changed, Medicaid rules are changing—and you need to stay ahead of them.

Here’s how to protect your coverage:

• Open every piece of mail from your state or Medicaid office
• Respond to forms immediately—even if they seem routine
• Keep income or job documentation organized
• Reach out if you’re confused or think your benefits have changed

These changes aren’t meant to scare you.
They’re a chance to get proactive, stay informed, and avoid coverage gaps that can be stressful and expensive.

If you have questions—I’ve got you.

Always call your agent first!
If you don’t work with an agent, find an agent you trust.

DISCLAIMER: We do not offer every plan available in your area. Please contact Medicare.gov, 1-800-MEDICARE , or your local State Health Insurance Assistance Program (SHIP) to get information on all your options.

07/16/2025

8. “Big Changes to Medicaid = Big Risk for Missed Benefits”

Here’s something no one really tells you:

Most people don’t lose their benefits because they don’t qualify anymore.

They lose them because they missed a deadline… didn’t understand a letter… or assumed someone would tell them what to do.

And right now, with all the new Medicaid changes, that risk is even higher.

What’s changing?
• Medicaid eligibility is now being re-checked every 6 months (not just once a year)
• Many people are required to prove income, work, or training hours regularly
• Some states are introducing new out-of-pocket costs for doctor visits
• If Medicaid ends, other programs like Extra Help (LIS) may end too

What happens if you miss a form or deadline?

You might not find out until you’re at the pharmacy counter.
Or until your doctor won’t schedule your appointment.
Or until a bill shows up in the mail and you have no idea why.
That’s the risk. But the solution?
It’s not panic. It’s planning.

Here’s what you can do:
• Open every letter from Medicaid or your state
• Keep track of any new income, job changes, or living situations
• Respond to verification requests immediately—even if you think nothing’s changed
• Ask questions if you’re confused

If you’re not sure what’s expected of you…
If you’ve already lost benefits and don’t know what to do next…
Or if you’re helping someone else try to figure this out—

Let’s talk through it together.
Always call your agent first!
If you don’t work with an agent, find an agent you trust.

DISCLAIMER: We do not offer every plan available in your area. Please contact Medicare.gov, 1-800-MEDICARE , or your local State Health Insurance Assistance Program (SHIP) to get information on all your options.

07/15/2025

7. “This Bill Isn’t About Politics. It’s About Your Plan.”

You’ve probably seen headlines, heard soundbites, or scrolled past someone ranting about the Big Beautiful Bill.

And maybe you’re thinking:

“I don’t want to get into politics.”

Fair. But here’s the thing—
This isn’t about politics.

It’s about making sure your health plan still fits your needs.

Here’s what’s actually happening:

• States are changing how often they check Medicaid eligibility
• Some people will be required to meet work or job training rules
• Others may see new copays for doctor visits—up to $35 in some states
• Dual-eligible individuals (those with both Medicare and Medicaid) could lose key benefits if eligibility changes

So, no—it’s not just political noise.

It’s your prescription costs.
It’s your doctor access.
It’s whether or not your plan still works for your real life.

If your income has changed...
If you’re not sure whether you’re still eligible...
If you’ve gotten a letter you don’t understand...
Let’s talk it through before you lose something you didn’t even know was at risk.

Always call your agent first!
If you don’t work with an agent, find an agent you trust.

DISCLAIMER: We do not offer every plan available in your area. Please contact Medicare.gov, 1-800-MEDICARE , or your local State Health Insurance Assistance Program (SHIP) to get information on all your options.

07/13/2025

6. “If You’re Helping a Parent, Grandparent, or Friend with Medicaid… Read This”

If you're the one helping a loved one keep track of their health coverage—you’re not alone.

Whether it’s a parent, grandparent, neighbor, or friend, more people than ever are acting as unofficial “care coordinators.” (And honestly, it’s a full-time job.)

Here’s why this matters now more than ever:

• Medicaid rules have changed.
• Paperwork is going out more often.
• And if something slips through the cracks, your loved one could lose their coverage—without even realizing it.

Here’s what to look out for:

• Reverification is now happening every 6 months (not just once a year)
• Missed letters = missed deadlines = lost benefits
• Some adults must now meet monthly work or training requirements
• A sudden loss of Medicaid could affect doctor access, prescriptions, and cost help (especially for those with both Medicare and Medicaid)

If you’re helping someone with limited income, health challenges, or language barriers, these changes can feel impossible to keep up with.
You don’t have to figure it out alone—and neither do they.

If you’re supporting someone through this and want a second set of eyes (or ears) to help guide you through next steps, send me a message. I’m happy to help review what’s changed and what you need to watch for.

Always call your agent first!
If you don’t work with an agent, find an agent you trust.

DISCLAIMER: We do not offer every plan available in your area. Please contact Medicare.gov, 1-800-MEDICARE , or your local State Health Insurance Assistance Program (SHIP) to get information on all your options.

07/11/2025

5. “Lost Medicaid? You May Qualify for Marketplace Coverage—But Don’t Wait”

Losing Medicaid can feel overwhelming—but it doesn’t mean you have to go without coverage.

In many cases, you may qualify for a health plan through the Marketplace (also called ACA coverage).

But here’s the part most people miss: you only have a limited time to act.

If your Medicaid ends, you usually get a 60-day Special Enrollment Period to find a new plan.

After that, you could be locked out until the next Open Enrollment period.

And when you’re in the middle of doctor appointments, prescriptions, or just trying to stay afloat financially, the last thing you want is a gap in coverage.

Here’s what to know:

• You might qualify for a subsidized plan with low premiums or cost-sharing

• You’ll need to provide income documentation (even if you just submitted it for Medicaid)

• The plan you pick may start the 1st of the following month—so don’t wait until the last minute

• If you’re helping a parent, grandparent, or friend with this, start the conversation now

This is a frustrating time for a lot of people. But it doesn’t have to be confusing.

If your coverage has ended—or you think it might soon—reach out. I’ll help you walk through your options, step by step.

Always call your agent first!
If you don’t work with an agent, find an agent you trust.

DISCLAIMER: We do not offer every plan available in your area. Please contact Medicare.gov, 1-800-MEDICARE , or your local State Health Insurance Assistance Program (SHIP) to get information on all your options.

07/09/2025

4. “You Might Get a Letter From the State. Don’t Ignore It.”

⚠️THIS IS SO IMPORTANT⚠️ (IT’S ALL IMPORTANT REALLY)

If you’re on Medicaid—or helping a loved one who is—you need to be checking your mail.

Here’s why:

👉 States are now required to verify Medicaid eligibility every 6 months.
That means more letters. More paperwork. And unfortunately, more people losing coverage simply because they missed a deadline or didn’t return a form.

👉 Even if nothing has changed with your income or health, you still have to respond.

Failing to reply—even by accident—can result in your Medicaid benefits being cut off.

👉 In many cases, coverage ends first—and you find out later.
That can mean surprise bills, delays in prescriptions, or missed doctor appointments.

Here’s what to do right now:

• Open every letter from your state Medicaid office or health department
• Don’t assume it’s junk mail—read it carefully and respond quickly
• Make copies of anything you send in, and track when it was submitted
• Reach out if you’re confused—I can help walk you through it

If your Medicaid coverage ends, you may qualify for other options—but the sooner you act, the better.

Always call your agent first!
If you don’t work with an agent, find an agent you trust.

DISCLAIMER: We do not offer every plan available in your area. Please contact Medicare.gov, 1-800-MEDICARE , or your local State Health Insurance Assistance Program (SHIP) to get information on all your options.

07/09/2025

3. “Medicaid May Start Charging You for Doctor Visits—Here’s the Deal”

If you or someone you love has Medicaid, there’s a new rule you need to know about:

Some states may now start charging up to $35 per visit to see a doctor, specialist, or receive other care—even if your income hasn’t changed.

Here’s what that means:

👉 This rule applies to adults who qualify for Medicaid based on income alone.
If you’re not pregnant, not receiving disability benefits, and between ages 19–64, you could see new out-of-pocket costs for services that were previously free or low-cost.

👉 Each state will decide whether to charge these fees—and how much.
Some may charge the full amount. Others may keep things the same for now. But it’s important to pay attention to state notices, mailed letters, or plan updates.

👉 You won’t be denied care because you can’t pay—but the bill may still come.
Even if you’re seen at no cost upfront, your provider may send a bill later if your state has adopted the new cost-sharing option.

Here’s what you can do right now:
• Check your state’s Medicaid website or call your state’s customer service line
• Look for updates in the mail from your local Medicaid agency
• Ask your provider or agent if you’re unsure what rules apply to you
• Review your coverage if your financial situation or benefits have changed

If you’re not sure what this means for you, or you’ve already noticed a change in costs, I’m here to help walk you through it.
Always call your agent first!

If you don’t work with an agent, find an agent you trust.

DISCLAIMER: We do not offer every plan available in your area. Please contact Medicare.gov, 1-800-MEDICARE , or your local State Health Insurance Assistance Program (SHIP) to get information on all your options.

07/07/2025

2. “What If You Have Medicare and Medicaid? Here’s What’s Changing”

If you have both Medicare and Medicaid, you're considered "dual-eligible"—and your Medicaid benefits may help lower your out-of-pocket costs or give you access to additional support.

But with new Medicaid rules now in effect, it's more important than ever to stay on top of your eligibility and paperwork.

Here’s what you need to know:
👉 Medicaid eligibility is now being reviewed every 6 months instead of once a year.
That means you may be asked to verify your income or other qualifying factors more often. If you miss a deadline or paperwork is incomplete, you could lose your Medicaid coverage—even if nothing has changed.

👉 Some adults between 19–64 may be required to meet new work or job training requirements.
If you're not exempt, you’ll need to track and report those hours to keep Medicaid. If Medicaid ends, it may affect how much help you get with your overall healthcare costs.

👉 Losing Medicaid could also impact your prescription drug savings.
Many dual-eligible individuals qualify for Extra Help (LIS), which helps lower the cost of medications. If your Medicaid ends, you may no longer qualify for this program.

👉 If your eligibility changes, your current Medicare plan may no longer be the right fit.
A change in status could affect what plans you're eligible for or what benefits you receive. It's important to review your coverage as soon as possible.

What to do now:
• Watch your mail for notices from the state
• Complete all paperwork on time—even if you think nothing has changed
• Keep income documentation and communication records
• Ask questions if you’re unsure—getting clarity now can prevent bigger issues later
Always call your agent first!
If you don’t work with an agent, find an agent you trust. You don’t have to navigate this alone.

DISCLAIMER: We do not offer every plan available in your area. Please contact Medicare.gov, 1-800-MEDICARE , or your local State Health Insurance Assistance Program (SHIP) to get information on all your options.

07/07/2025

The Big Beautiful Bill. What does this mean for people on Medicaid? In the coming days/weeks I will be posting 10 things to look out for.

1. New Medicaid Rules: What You Need to Know Before You Lose Coverage

There are big changes happening to Medicaid—and if you (or someone you love) depends on it for coverage, this is important to know.

Here’s what’s changing:
🟡 Work Requirements
Most adults ages 19–64 will now need to prove they’re working, job training, or volunteering at least 80 hours per month to keep Medicaid coverage. If you don’t meet those hours—or don’t report them—you could lose coverage.

🟡 Eligibility Checks Every 6 Months
States will now review your eligibility twice a year instead of once. That means you’ll need to submit proof of income, employment, or other qualifications more often—or risk being dropped from your plan.

🟡 Who’s Affected?
These new rules primarily affect low-income adults who qualify based on income alone (not disability, pregnancy, etc.). But even if you’re not sure whether this applies to you—it’s worth checking.

What You Can Do Now:
✔️ Keep an eye on your mail—eligibility letters and verification requests will be coming more often
✔️ Respond quickly and completely to any requests for paperwork
✔️ Make sure your work or training hours are being tracked
✔️ Ask for help if you're unsure what to submit or how to stay covered

You don’t have to figure this out alone.
💬 If you’re not sure whether these rules apply to you—or if you’ve already received a notice—send me a message. I’ll help walk you through what to expect and what to do next.
Don’t wait until your coverage disappears. Take action now to stay protected.

DISCLAIMER: We do not offer every plan available in your area. Please contact Medicare.gov, 1-800-MEDICARE , or your local State Health Insurance Assistance Program (SHIP) to get information on all your options.

02/04/2025

🎉 Thank You for Following My Page! 🎉

I just want to take a moment to thank each and every one of you for following this page! 🙏 I’m excited to be here to help seniors and others navigate their Medicare options and make confident decisions about their healthcare. Your support means the world, and I can’t wait to share helpful tips, resources, and updates with you!

If you have any questions about Medicare, feel free to reach out—I’m here to help!

🌟 Turning 65? Let's Talk About Your Medicare Options! 🌟

As you approach age 65, it’s important to know your Medicare options and make informed decisions about your healthcare coverage. 🏥

I’m here to help guide you through the process and find the right Medicare plan that fits your needs and budget. Whether you’re just starting to learn about Medicare or ready to choose a plan, I can provide expert advice and walk you through your options.

💡 What I Offer:

Personalized Medicare education
Guidance through Medicare Parts A, B, C, and D
Help comparing plans and finding the best coverage for you
Ongoing support and assistance with your plan
The choices can be overwhelming, but you don’t have to navigate it alone! Contact me today to schedule a free, no-obligation consultation. 📞

DISCLAIMER: We do not offer every plan available in your area. Please contact Medicare.gov, 1-800-MEDICARE , or your local State Health Insurance Assistance Program (SHIP) to get information on all your options.

Tye Fowler Insurance Broker

10/08/2025

07/22/2025

07/17/2025

07/16/2025

07/15/2025

07/13/2025

07/11/2025

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