Sherri Stewart - American Central Insurance Services

10/19/2026

You may have heard about Medicare negotiating prices for certain prescription drugs.

Well...there's another round coming for 2027. 💊

The first 10 negotiated drug prices went into effect in 2026.

Starting January 1, 15 additional Part D drugs will have negotiated prices.

So naturally, the question is:
“Is one of MY prescriptions on that list?”

And that's exactly the question I want you asking.

Because Medicare drug changes are interesting, but what actually matters is whether any of them affect the medications YOU take and what you'll pay for them next year.

This is also why I keep asking you for an updated prescription list during AEP. 😂

Your medications are one of the biggest pieces of the puzzle when we're comparing your 2027 coverage.

If you're wondering whether one of your prescriptions is affected by the changes coming in 2027, call our office with the name of the medication and let's take a look.

10/19/2026

Your wellness journey deserves the best protection. Call us now for a free consultation (217) 599-1202

10/19/2026

Playing the Odds on Your Paycheck: Why disability is a far safer bet than most people think

Walk into any Las Vegas sportsbook and you will not find the bookmaker guessing. He studies the numbers, sets the line, and then hedges his bets so that no single outcome can sink the house.

10/18/2026

Did you know Medicare plans can change every year?

Premiums, copays, provider networks, and prescription coverage may all be different next year. A quick review during Annual Enrollment can help you avoid surprises.

(217) 599-1202 https://www.insurewithacis.com

10/17/2026

“My doctor accepts Medicare, so I'm good.”

Maybe. But I need you to ask one more question. 👀

If you're considering a Medicare Advantage plan, knowing that your doctor “accepts Medicare” doesn't necessarily tell you whether they're in-network with the specific plan you're considering.

And THAT'S the question we actually need answered.

Because your doctor could see Medicare patients but not participate in every Medicare Advantage plan available in your area.

Why does that matter?

Depending on the type of plan, seeing an out-of-network doctor could mean paying more or not having coverage for that care at all, except in certain situations.

So if keeping your doctor is important to you, don't stop at:
“Do you accept Medicare?”

Ask:
“Are you in-network with this specific Medicare Advantage plan?”

Even better, let's verify it while we're reviewing your options.

Because finding a plan you like and THEN realizing your favorite doctor isn't in-network?

I'd rather skip that particular January surprise. 😂

Have a doctor you absolutely want to keep?

Provide us their name and let's make sure they're part of the conversation when we look at your 2027 options.

10/17/2026

Stretch your fingers, crack your neck,
Double-check your plan-compare spec.
Hydrate now (you won’t have time),
Bathroom breaks become a crime.

Tell your family, “See you in December,”
Hug your dog so he’ll remember.
Set out snacks within arm’s reach,
Rehearse your “Part A vs B” speech.

Then sit back down, take one deep breath,
Prepare for questions to the death.
It’s AEP, the agent’s Super Bowl,
And helping folks? That’s the goal. 🏈

10/17/2026

Here's something you might not expect to hear from me during AEP:
I might tell you to keep the Medicare plan you already have. 🙌

Because the goal of an annual review isn't to find a reason to change your coverage.

It's to make sure the coverage you have still makes sense for you.

We'll look at what's changing for 2027.
We'll check your doctors and prescriptions.
We'll look at your costs and the benefits you actually use.
And we'll talk about whether anything in your life or healthcare needs has changed.

Then we compare.

Sometimes, we'll find another option that makes more sense.

And sometimes?

We'll look at everything and realize your current coverage is still doing exactly what you need it to do.
That's a successful review too.

You don't get bonus points for changing Medicare plans every year. 😂

You just want to know that you're making an informed decision instead of keeping something simply because you've always had it.

If you're wondering whether your current coverage still makes sense for 2027, call our office.

Let's actually look before we decide.

10/15/2026

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10/15/2026

AEP is officially OPEN! 🎉

And before we spend the next several weeks talking about plans, prescriptions, doctors, benefits, and all the other Medicare things, here's what I want my clients to know first:

You don't have to figure this out by yourself.

You're going to see commercials.
You're going to get mail.
Your neighbor is probably going to tell you how much they LOVE their plan.

And someone on Facebook will inevitably announce that they've found the “best” Medicare plan. 😂

But none of those people know your doctors.
They don't know which prescriptions you take.
They don't know what you can comfortably afford if you need a lot of healthcare next year.
And they don't know which benefits actually matter to you.

That's why we're going to look at your situation before deciding whether anything needs to change for 2027.

Maybe we find an option that works better for you.
Maybe we look at everything and decide your current coverage still makes sense.

Either way, the goal isn't to change your plan just because it's AEP.

It's to make sure you understand what you have and feel good about your decision for next year.

So if Medicare starts feeling especially LOUD over the next few weeks, remember:

You don't have to sort through all of it alone.

Send me a message if you're ready to start your 2027 review.