Insurance Navigators

09/03/2026

A dementia diagnosis can leave an entire family wondering what they are supposed to do next.

How do you communicate differently?
What changes should you expect?
How do caregivers get help?
And how do you know where to turn?

For this INA Partner Spotlight, we talked with Melissa Chambers of Melissa Chambers Consulting about dementia education, caregiver support, and helping families navigate a situation that can feel overwhelming very quickly.

Melissa has spent years working with seniors, families and caregivers, and this is a conversation worth saving even if you do not need the information today.

Watch here:
https://youtu.be/ALwcHQlQWA4?si=nKrWi5pWTIjT8NLx

Insurance Navigators
330-394-7400
insnav.com

How can families better understand dementia, support a loved one, a...

09/01/2026

Dental coverage isn’t always included in a standard health insurance plan—and that can catch a lot of people off guard.

At Insurance Navigators, we help individuals and families across Warren, Ohio understand how dental insurance fits into their overall health coverage and whether it makes sense to add.

In our latest post, we’re breaking down a few common dental insurance FAQs to make things easier to navigate.

If you’ve been wondering:
• What dental plans actually cover
• Whether it’s worth adding to your current plan
• How to choose the right option

We’re here to help you sort through it all with personalized insurance guidance.

Have questions or thinking about updating your coverage? Reach out to our team anytime at (330) 394-7400—we’re always happy to help you understand your options.

08/26/2026

Understanding Medicare Savings Programs can make a real difference in how much you pay for health care.

These programs may help cover things like premiums, deductibles, and other out-of-pocket costs—making your Medicare coverage more affordable.

At Insurance Navigators, we help individuals and families in Warren, OH figure out what they may qualify for and how to enroll with confidence.

Not sure if you’re eligible? Let’s talk. Our team is here to provide personalized guidance every step of the way.

Call us at (330) 394-7400 or reach out to get started.

08/25/2026

Small, daily habits can add up to big wins for your overall health—and even your long-term healthcare needs.

We’re sharing a few simple changes that are easy to stick with and can make a real difference over time.

Taking care of your health is important, and so is having the right health insurance coverage to support it. Our team at Insurance Navigators is here to help individuals, families, and Medicare clients in Warren, OH find plans that truly fit their needs.

Have questions about your current coverage or Medicare options? Give us a call at (330) 394-7400—we’re happy to walk you through it.

What’s one small habit you’ve started that’s made a difference for you?

08/22/2026

Do you understand your Medicare coverage?

Most people think they do.

A new survey found that 89% of Medicare beneficiaries said they were confident they understood their Medicare coverage options.

But when they were actually asked questions about Medicare, only 13% could correctly identify the four major coverage options: Original Medicare, Medicare Advantage, Medicare Supplement and Part D.

There were some other surprising results:

• 88% didn't know Original Medicare has no annual limit on out-of-pocket medical expenses.

• 42% didn't know or underestimated the 20% coinsurance that generally applies to medical services under Original Medicare.

And among people approaching Medicare age, the knowledge gaps were even larger.

We don't share this to make Medicare sound scary. We share it because Medicare is complicated, and there is no reason you should have to figure it out by yourself.

The decisions you make can affect your doctors, prescriptions, out-of-pocket costs and even what options may be available to you later.

That is exactly why you should talk to us.

At Insurance Navigators, we help people understand Medicare before asking them to make a decision. We'll explain the differences, answer your questions and help you determine which option makes the most sense for you.

You don't have to figure Medicare out on your own. That's what we're here for.

Call Insurance Navigators at 330-394-7400 and let's talk.

08/21/2026

You may have heard that Medicare is now negotiating prices on some of the most expensive prescription drugs.

So that means everyone taking those drugs is paying less, right?

Not necessarily.

A new survey found that 46% of Medicare beneficiaries surveyed said they were actually paying MORE for at least one of the first 10 drugs with negotiated prices.

Why?

Because the price of the drug is only one piece of the puzzle.

Your Medicare plan still determines things like:

• Your deductible
• Your copay or coinsurance
• Which tier the drug is on
• Prior authorization requirements
• Which pharmacies give you the best price

There is also a new $2,100 annual limit on out-of-pocket Part D drug costs in 2026, yet about 40% of the people surveyed didn't know about it.

This is another reason we tell our Medicare clients not to look at premium alone when comparing plans.

The right Medicare plan isn't necessarily the one with the lowest monthly premium. It's the one that works best with your doctors, your prescriptions and your needs.

That's what an annual Medicare review is supposed to figure out.

08/20/2026

There are some questions that come up with our clients that have nothing to do with choosing an insurance plan.

One of the biggest is: When is it time to consider some help at home?

For the first installment of our INA Partner Spotlight series, we sat down with Viki Stoops of Home Instead to talk about in-home senior care, what families should be watching for, and the kinds of help that may be available when an older adult wants to remain at home.

Our goal with this series is simple: introduce you to good local resources before you find yourself scrambling to find one.

Watch the conversation here:
https://youtu.be/qACMXGM8P-I?si=7XZy41lfCepfDGA2

Insurance Navigators
330-394-7400
insnav.com

When does an older adult need additional help at home, and what kin...

08/18/2026

Medicare’s Annual Enrollment Period (AEP) will be here before we know it—running October 15 through December 7. Now is a great time to start thinking ahead so you’re not rushed when it’s time to make decisions.

Taking a few minutes to review your current Medicare plan can help you spot changes, compare options, and make sure your coverage still fits your needs for the year ahead.

Our team at Insurance Navigators is here to provide personalized insurance guidance every step of the way. Whether you’re reviewing Medicare plans for the first time or just want a second opinion, we’re happy to help.

Have you started thinking about your coverage for next year yet? Let us know or reach out—we’re here when you’re ready.

08/13/2026

Health coverage shouldn’t feel like a guessing game. It should fit your life, your needs, and your future.

At Insurance Navigators, we provide personalized insurance guidance for individuals, families, and businesses across Ohio. Whether you’re exploring health insurance, comparing Medicare plans, or reviewing employee benefits, our team is here to help you make confident, informed decisions.

Already have coverage? We’re happy to review it with you to make sure it still works for where you are today.

Have questions or going through a change? Let’s talk—give us a call at (330) 394-7400.

What’s been the most confusing part of your coverage lately?

08/12/2026

Medicare drug plans can change every year—and that can impact what your prescriptions cost and how they’re covered.

That’s why we always recommend a quick annual prescription review. It can help you:

• Make sure your medications are still covered
• Catch any new restrictions like prior authorization or step therapy
• Find lower-cost or generic options
• Avoid surprise out-of-pocket expenses

At Insurance Navigators, we help Medicare clients here in Warren and across Ohio stay ahead of these changes with personalized guidance and annual coverage reviews.

Have questions about your current Medicare plan or prescription coverage? Give us a call at (330) 394-7400—we’re here to help you make confident, informed decisions.