The Carter Group

03/11/2026

07/10/2026

For some Medicare Advantage Plans, An HMO-POS is basically an HMO with a little more flexibility. You’ll generally want to use the plan’s network of doctors and hospitals to get the best coverage and lowest costs. But the POS—Point of Service—feature allows you to go outside the network for certain covered services. When you do, you may pay more, and not every service is covered out of network.” Got Medicare questions? Call/text me at 817/966-0980.

29/08/2026

Medicare PSA:
Red Flags and What to Do Scam Warning: An unexpected call about a "free plan review," a new Medicare card, free groceries or medical equipment is almost always either an illegal telemarketer or a direct scammer trying to steal your identity or bill Medicare fraudulently. Action: Hang up immediately. Do not press any numbers, do not confirm your personal information, and do not engage with the caller. Reporting: If you receive one of these illegal calls, you can report it to the Official Medicare Reporting Tool or call 1-800-MEDICARE.

28/08/2026

Medicare PSA!
The Medicare GLP-1 Bridge Program is a temporary federal initiative running from July 1, 2026, through December 31, 2027, that allows eligible Medicare beneficiaries to receive specific weight-loss medications for a flat copay of $50 per month Program Costs Flat Fee: You pay $50 for a one-month supply of a covered medication Separate from Part D: This program operates outside regular Medicare Part D rules. No Deductible Credit: Your $50 payment does not count toward your yearly out-of-pocket maximum or Part D deductible. Questions? Text/call me at 817/966-0980. I am always happy to help.

26/08/2026

Medicare PSA:
65 Days. You have 65 days to contact your Plan to file an appeal. You are protected by law to appeal!
Got Medicare questions? Call or text me 817/966-0980.
Thanks,
Larry

23/08/2026

Key reasons consumers choose Medicare Advantage plans.

For predictability of copays and coinsurance

Out-of-pocket maximums limit the amount members pay for Medicare-covered services each year

Members enjoy additional benefits not covered by Original Medicare such as dental, vision, hearing coverage and gym memberships (benefits vary by plan)

Affordable monthly premiums as low as $0

Got questions? I am always happy to help. Text/call me at 817/966-0980.

20/08/2026

PSA: Your prescription COPAY can cost more than the drug’s cash price. It happens on ~1 in 4 prescriptions (USC study), and the middleman keeps the difference. Pharmacists aren’t required to volunteer that info. Ask “What’s the cash price on this?” every time, and check GoodRx or Cost Plus Drugs first
Got Medicare questions? Call or text me 817/966-0980

24/07/2026

Got Medicare questions? Call/text 817/966-0980. We are always happy to help!

03/07/2026

⚠️ Medicare is making another change in 2027 that could affect what you pay for your prescriptions. Here's what you need to know in 30 seconds.

From Medicare:
"The Medicare Part D redesign includes an annual out-of-pocket cap that began at $2,000 in 2025 and has increased to $2,400 for 2027."
What does that mean?

If your prescription drug copays total $500 per month, you would normally spend $6,000 over the course of a year. However, because of the Medicare Part D out-of-pocket cap, once you've paid $2,400 in covered prescription drug costs during 2027, you won't pay any more out of pocket for your covered Part D medications for the rest of the calendar year.

Compared with 2026, when the cap is $2,100, someone who reaches the cap will pay up to $300 more in 2027 before their covered Part D drugs are fully covered for the remainder of the year.

The good news? Your prescription costs still have a ceiling. The bad news? Everything else at the grocery store seems to have forgotten what a ceiling is.

12/06/2026

Medicare Healthcare costs are expected to rise by 9% in 2027, the biggest increase in almost 20 years.

Experts say several things are causing costs to go up, including higher prescription drug prices, more people seeking mental health care, and new computer tools that help doctors and hospitals bill insurance companies more completely.

No matter the reason, rising Medicare healthcare costs usually lead to higher insurance premiums and more out-of-pocket expenses for consumers.

This is one more reason to review your coverage each year and make sure you have a plan that fits your needs and budget.

As a licensed insurance agent, I can help you compare your options to make sure you're paying as little as possible for doctor visits and prescriptions while getting the most from the benefits available to you.

Call or text me anytime at 817-966-0980..