Mary Manos-Mitchem, Senior Health Specialist

09/22/2026

09/22/2026

I like my current Medicare plan—do I actually have to do anything this fall?

Great news: In most cases, you don’t have to re-enroll! 🎉 Your coverage will typically continue automatically into the new year.

But here’s the part many people miss:

Even if your plan’s name stays the same, what’s inside it can change every year:

💊 Prescription drug coverage and formularies
💰 Premiums, deductibles, and copays
🏥 Doctor and hospital networks

Your plan will mail you an Annual Notice of Change (ANOC) in September. This notice explains what will change for the coming year—and it’s worth reviewing before you decide to stay with your current plan.

“Automatic” doesn’t always mean “still the right fit for you.” A quick review now could save you from an unwelcome surprise in January.

At Manos Insurance, Mary Manos-Mitchem and Alexis Mitchem can review your notice with you, explain the changes in plain language, and confirm that your plan still fits your doctors, medications, and budget—all at no additional cost to you.

Have questions? Reach out:
https://www.manos-insurance.com/

Mary Manos-Mitchem & Alexis Mitchem | Manos Insurance

09/15/2026

Schedule your no cost review today!

09/14/2026

Don’t navigate the Medicare Annual Election Period alone. With many plan changes this year, it’s important to review your coverage and make sure it continues to meet your needs.

Give us a call to schedule a personalized review with local, independent agents who genuinely care—and are available to support you all year long.

09/01/2026

Did you receive a letter about your plan is ending? No one from the government will call you to enroll. So please read this article and set up an appointment with Manos Insurance or your broker!

Opened a letter saying your Medicare Advantage plan won't be offered next year? Don't panic — and don't ignore it. That letter comes with real rights and deadlines. 📬



Every year, some Advantage plans leave certain areas or shut down. If yours is one of them, here's what to know:



🔹 It's not the same as your Annual Notice of Change. A non-renewal letter means the plan is ending — and it unlocks special enrollment rights. Save it; it's your proof.



🔹 You get extra time to choose. Beyond the fall window (Oct 15–Dec 7), you have a Special Enrollment Period running Dec 8 through the end of February to pick a new plan or return to Original Medicare.



🔹 A rare Medigap door opens. Because your plan is ending through no fault of yours, you may be able to buy certain Medicare Supplement (Medigap) plans with NO health questions — a right that's usually closed after your first year. It runs about 63 days from when your coverage ends, so don't wait.



⚠️ The one wrong move: doing nothing. Ignore the letter and you could land back in Original Medicare on Jan 1 with no drug coverage and no supplement — and miss that guaranteed Medigap window for good.



You don't have to figure this out alone. If your plan is going away — or you just want to know your options — reach out to Mary or Alexis at Manos Insurance. We'll compare what's available, check your doctors and prescriptions, and help you land somewhere that fits.



📞 440.567.8016 · ✉️ [email protected]

09/01/2026

It almost Medicare Annual Enrollment Period starts soon! Call Manos Insurance today and set your appointment!

08/20/2026

The average person on Medicare may have dozens of Medicare Advantage plan options available — and in some areas, there can be 50 or more. 😳

No wonder choosing a plan can feel overwhelming.

The good news? You don’t have to sort through all those options alone.

There are some great resources available to help:

✅ **Medicare.gov Plan Finder** — compare plans, prescriptions and pharmacies
✅ **1-800-MEDICARE** — available 24/7
✅ **Your local SHIP program** — free, unbiased Medicare counseling
✅ **Medicare Star Ratings** — a helpful snapshot of a plan’s quality and performance
✅ **Your Annual Notice of Change** — shows what is changing with your current plan for the upcoming year

But choosing a Medicare plan isn’t just about finding the one with the most stars or the longest list of extra benefits.

**Is your doctor in the network?
**Are your prescriptions covered — and what will they cost?
**Is your preferred pharmacy still preferred?
**Have your copays or benefits changed?
**And does the plan actually fit YOUR needs?

That’s where having a trusted Medicare advisor can make a difference.

At Manos Insurance, we don’t want to help you choose a plan once and disappear. We’re here throughout the year — and we review your coverage with you each year because plans change, and so can your needs.

Have questions about your Medicare options this year? Mary & Alexis are here to help.

📞 440-567-8016
🌐 [www.manos-insurance.com](http://www.manos-insurance.com)
✉️ [[email protected]](mailto:[email protected])

There is no additional cost to you for working with us.

08/20/2026

A 5-star Medicare plan sounds like the obvious winner. But the star rating doesn't tell you the one thing that matters most: whether it's right for YOU. ⭐

Medicare rates every Advantage and drug plan from 1 to 5 stars. It's useful — but here's what that number leaves out:

⭐ It's a look backward. Ratings are based on past performance. Plans change every year — networks, drug coverage, and costs can all shift.

⭐ It's an average of thousands of members. It says nothing about whether YOUR doctors are in-network or YOUR prescriptions are covered.

⭐ More stars ≠ lower cost. A high rating doesn't mean the plan is cheaper for your situation.

The truth? A 3.5-star plan that covers your doctors and your medications can be a far better fit than a 5-star plan that doesn't.

What actually matters:
🔹 Are your doctors and hospitals in the network?
🔹 Are your prescriptions covered — and at what cost?
🔹 What will YOU pay out of pocket, in a good year and a bad one?

That's where I come in. Let me help you look past the star rating to the plan that actually fits your life. No pressure — just honest, one-on-one guidance.

📞 440.567.8016 · 💻 https://www.manos-insurance.com/

08/06/2026

Friendly reminder. Don't give your information over the phone to someone you do not know. Trust a local agent. Give us a call for a free healthcare plan checkup!

10/27/2025

https://www.m3-insurance.org/post/why-are-my-medicare-costs-going-up-again

What to Know About 2026 Premium Increases — and What You Can Do About ItIf you’re on Medicare, you’ve probably heard the news: premiums are expected to jump again in 2026.The standard Part B premium is projected to rise from $185 in 2025 to about $206 in 2026 — roughly a 12% increase, one of...