LeShawn Fernandez Agent Here Is The Insurance Lady

LeShawn Fernandez Agent Here Is The Insurance Lady My name is LeShawn Fernandez and I am the mother of 3 beautiful daughters. I own the agency Here Is

Could waiting to enroll in Medicare cost you more later? Medicare’s Annual Election Period (AEP) is coming October 15–De...
09/08/2026

Could waiting to enroll in Medicare cost you more later? Medicare’s Annual Election Period (AEP) is coming October 15–December 7, so now is a good time to review your coverage and enrollment timing.

Here’s the plain-language version:

Part B: If you were eligible but did not enroll, the late enrollment penalty may add 10% to your premium for each full 12-month period you went without Part B. This penalty generally stays with you as long as you have Part B.

Part D: If you go without creditable prescription drug coverage for 63 days or more, the late enrollment penalty may add about 1% for each month you were without coverage. This penalty generally continues as long as you have Part D.

The Medicare Trustees project the 2027 Part B premium at $209.50 per month. Please remember: this is a projection from the Trustees, not the official CMS figure.

Have questions? Schedule a free 30-minute consultation with no obligation. Call 404-437-2323 or visit hereistheinsurancelady.com.

We do not offer every plan in your area or in every state. Currently we represent 19 organizations which offer 124 products in your area. Please contact Medicare.gov or 1-800-MEDICARE to get information on all of your options… or call your local State Health Insurance Program (SHIP) to get information on all of your plan options.

A lower monthly premium can feel like a smart family choice: but always check the deductible before enrolling. 👀Some ACA...
09/04/2026

A lower monthly premium can feel like a smart family choice: but always check the deductible before enrolling. 👀

Some ACA Bronze plans may have deductibles around $7,000 or more, depending on the plan and location. That means you could pay thousands out of pocket before the plan starts sharing many healthcare costs.

Before choosing a plan, look beyond the premium and compare:
✅ Deductible
✅ Copays and coinsurance
✅ Out-of-pocket maximum
✅ Doctor and hospital network
✅ Prescription coverage

The cheapest plan each month may not be the most affordable plan when your family needs care. Let’s review your options in plain language so you can make a confident decision: without pressure.

Book your free 30-minute consultation today. No obligation.
📞 404-437-2323
🌐 hereistheinsurancelady.com

Medicare AEP is coming up, and a few changes could affect your coverage and costs. Here are 3 things to know:1️⃣ Part B ...
09/04/2026

Medicare AEP is coming up, and a few changes could affect your coverage and costs. Here are 3 things to know:

1️⃣ Part B premiums are projected to go up. The Medicare Trustees project a 2027 Part B premium of $209.50 per month. This is a Trustees projection: not the official CMS figure.

2️⃣ Part D prescription drug costs are going up. The annual out-of-pocket cap is $2,400 for 2027, compared with $2,100 in 2026.

3️⃣ Your Medicare plan may change. Some plans may be discontinued, and plan benefits, premiums, provider networks, or drug coverage can change. Review your Annual Notice of Change so you know what to expect.

The Annual Election Period runs October 15–December 7. You don't have to figure it out alone. I provide personalized, plain-language guidance to help you understand your options.

Happy Friday Beautiful People❤️
I hope you're making it a great day, love your favorite girl!!

We do not offer every plan in your area. Currently we represent [19] organizations which offer [124] products in your area. Please contact Medicare.gov or 1-800-MEDICARE to get information on all of your options.
…or call your local State Health Insurance Program (SHIP) to get information on all of your plan options.
Book your free 30-minute consultation today: no obligation. Call 404-437-2323 or visit hereistheinsurancelady.com. ❤️

“Is there anything better out there?” It’s one of the biggest questions I hear during Medicare AEP.The good news: compar...
09/03/2026

“Is there anything better out there?” It’s one of the biggest questions I hear during Medicare AEP.

The good news: comparing plans doesn’t have to feel overwhelming. Start with four basics:

• Part B: Know the projected 2027 premium: $209.50 per month according to the Trustees’ projection. This is not the official CMS figure.
• Medicare Advantage: Review networks, costs, benefits, and plan rules.
• Medigap: Compare premiums and how the plan helps with Medicare-approved costs.
• Part D: Check whether your prescriptions are covered and what you may pay.

Then compare the details that matter most to you: your doctors, prescriptions, costs, and coverage.

Medicare AEP is October 15–December 7. You don’t have to sort through the options alone. I provide plain-language, one-on-one guidance with no pressure.

Book your free 30-minute consultation today: there’s no obligation. Call 404-437-2323 or visit hereistheinsurancelady.com.

Happy Thursday Beautiful People❤️
I hope you're making it a great day, love your favorite girl!!

We do not offer every plan in your area. Currently we represent [19] organizations which offer [124] products in your area. Please contact Medicare.gov or 1-800-MEDICARE to get information on all of your options.
…or call your local State Health Insurance Program (SHIP) to get information on all of your plan options.

Medicare AEP is coming up, and a few changes could affect your coverage and costs. Here are 3 things to know:1️⃣ Part B ...
09/02/2026

Medicare AEP is coming up, and a few changes could affect your coverage and costs. Here are 3 things to know:

1️⃣ Part B premiums are projected to go up. The Medicare Trustees project a 2027 Part B premium of $209.50 per month. This is a Trustees projection: not the official CMS figure.

2️⃣ Part D prescription drug costs are going up. The annual out-of-pocket cap is $2,400 for 2027, compared with $2,100 in 2026.

3️⃣ Your Medicare plan may change. Some plans may be discontinued, and plan benefits, premiums, provider networks, or drug coverage can change. Review your Annual Notice of Change so you know what to expect.

The Annual Election Period runs October 15–December 7. You don't have to figure it out alone. I provide personalized, plain-language guidance to help you understand your options.

Book your free 30-minute consultation today: no obligation. Call 404-437-2323 or visit hereistheinsurancelady.com. ❤️

Happy Wednesday Beautiful People❤️
I hope you're making it a great day, love your favorite girl!!

We do not offer every plan available in your area. Currently we represent [19] organizations which offer [124] products in your area. Please contact Medicare.gov or 1-800-MEDICARE to get information on all of your options.
…or call your local State Health Insurance Program (SHIP) to get information on all of your plan options.

Address

P. O. Box 523
Tyrone, GA

Opening Hours

Monday 10am - 7pm
Tuesday 10am - 6pm
Wednesday 10am - 6pm
Thursday 10am - 6pm
Friday 10am - 6pm
Saturday 10am - 3pm

Website

Alerts

Be the first to know and let us send you an email when LeShawn Fernandez Agent Here Is The Insurance Lady posts news and promotions. Your email address will not be used for any other purpose, and you can unsubscribe at any time.

Contact The Business

Send a message to LeShawn Fernandez Agent Here Is The Insurance Lady:

Shortcuts

Share

Category