Robert & Lynn Campbell and Lea Holt, Life/Health/Medicare

29/10/2026

10/10/2026

Miss your Medicare window by 3 years and your Part B premium goes up 30%, for the rest of your life.

At today's $202.90 standard premium, that's an extra $730 a year you never get back.

The penalty is 10% for every full 12 months you could have had Part B and didn't.

It's tied to the standard premium, so as Medicare costs rise, your penalty rises with it.

Over a 20-year retirement, that 3-year mistake can easily cost you more than $15,000.

The good news is you only pay it if you delay without the right coverage.

If you or your spouse are still working and covered by a group health plan through that current job, you can generally hold off on Part B with no penalty.

Once the job or the coverage ends, you get an 8-month Special Enrollment Period to sign up.

Here's where people get burned.

COBRA doesn't count, and neither does retiree coverage.

Plenty of people retire at 65, keep COBRA for 18 months, and assume they're fine, and the penalty clock started the day they stopped working.

Part D has its own penalty too.

Go without creditable drug coverage for too long and you pay an extra 1% of the national base premium for every month you went without, also for life.

Then there's Medigap.

You get one 6-month window after you're 65 and enrolled in Part B to buy a supplement with no health questions.

Miss it, and in most states an insurer can deny you or charge more based on your health history.

If you're contributing to an HSA, plan your exit carefully.

Part A can backdate up to 6 months when you enroll after 65, and any HSA contributions during those months become excess contributions you'll have to fix.

Start this checklist a full year before your 65th birthday, because the most expensive Medicare mistakes all come from waiting too long.

04/10/2026

Suzie Orman nails it...
A $0 premium does not mean $0 health care.

I do not want you choosing health insurance simply because somebody tells you it's a $0 premium. You can save a few dollars on a premium, but you can also spend thousands more when you actually need Medicare.

So don't just ask: What is the premium?

Ask: What could this cost me if I get sick?

Look at your deductible, your copays, your coinsurance, your prescription costs and the maximum amount you could potentially have to pay out of pocket.

When you're comparing coverage, look beyond the premium and understand what your health care could actually cost you.

01/10/2026

When you're comparing Medicare coverage, do not make your decision solely on the monthly premium.

A plan with a lower premium is not necessarily a less expensive plan for you.

Look at the medications you're actually taking. Look at how the plan covers those drugs and whether your preferred pharmacy has changed. If you have Medicare Advantage, check your doctors, specialists, hospitals and pharmacies. Look at the copayments, coinsurance and maximum out-of-pocket limit.

Then ask: What will my total expected cost be?

When it comes to health insurance, cheap and inexpensive are not necessarily the same thing. Something can have a very attractive premium and become very expensive when you actually need medical care.

20/09/2026

Medicare covers a lot of your medical expenses in retirement, but I don't want you to make the mistake of thinking that means your healthcare will be free.

You will likely need to use some of your retirement income to cover healthcare expenses Medicare doesn't pay for. And Medicare doesn't cover the cost of ongoing long-term care assistance, whether that's at home or in a nursing home.

That's why planning for healthcare isn't something to put off until you're ready to retire. The more you can save today, the easier it will be to cover those later-life medical costs.

05/09/2026

Friends, as the date slowly approaches for the Medicare Open Enrollment for 2027 (October 15th for 2027 coverage) and the Affordable Care Act, aka, Obamacare, (November 1st for 2027 coverage), keep in mind that Rob, Lea and I are here to guide you. We are certified and licensed to advise on all aspects of these enrollments and are happy to answer any questions or concerns you may have; as well as guide you through your enrollment.
THERE IS NO CHARGE FOR OUR ASSISTANCE. It cost you NOTHING (your premium is the same, regardless) to have us AS your AOR. In the event you have any billing/claim/customer service issue, we cannot step in UNLESS we ARE your agent. Those wanting/needing our expertise, please free to call and we can begin signing you up once the enrollment period(s) officially BEGIN.
Contact us at: 3368802193 or [email protected].

Happy to help in this or ANY area of major medical, Medicare, LTC, ACA, life, etc.!

05/09/2026

This is exactly what Rob does each year during Open Enrollment. It's so important to do this yearly because things change annually. Please feel free to reach out to him...3368802193.

Medicare just cut the subsidy that's been keeping your Part D premi...

31/08/2026

People with questions about which way to go on Medicare...

Please feel free to call my husband, Robert. He's a licensed Medicare broker (meaning he carries all the plans) and Certified Senior Advisor. He represents all the top companies in the state. No fee. Over 25 years of experience. 3368802193. He's the guru. Please feel free to call...you will probably get the voicemail but he WILL call you back!!

10/06/2026

Friends it seems there's confusion on what Rob and I do for a living. We accept ALL/ANY referrals. Have a need, just let us know. We are brokers, meaning we shop for the best plan for YOUR NEEDS!!! Everyone has different needs, therefore we have all the plans in NC to choose from. Our services are zero cost, also. It costs ZERO to have us as your broker/agent so please don't hesitate to contact us!! 3368802193 or [email protected].