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01/29/2026

Understand the Different Parts of Medicare
Medicare has four main parts:
Part A (Hospital Insurance): Covers hospital stays, skilled nursing facilities, and some home health care.
Part B (Medical Insurance): Covers doctor visits, outpatient care, and preventive services.
Part C (Medicare Advantage): Offers an alternative to Original Medicare and often includes additional benefits like vision, dental, and prescription drugs.
Part D (Prescription Drug Coverage): Helps cover the cost of prescription medications.
Knowing the distinctions between these parts will help you choose the right coverage for your health needs.

01/13/2026

Evaluate your coverage every year
You don’t have to keep the same Medicare plan every year. The Medicare Annual Enrollment Period is October 15 to December 7 every year. During this time, you can join, switch or drop a Medicare Advantage plan or a prescription drug plan. It’s a good idea to review your Medicare coverage every year to make sure it still serves your needs.
You will automatically go back to Original Medicare if you drop a Medicare Advantage plan during open enrollment, and you will lose drug coverage if it was included with your plan. You may replace drug coverage with a stand-alone prescription drug plan at this time without penalty. A penalty may apply if you drop drug coverage and more than 63 days pass before you get it again.

12/30/2025

Enroll on time to avoid late enrollment penalties
Medicare Part B and Part D may add penalties to your premium payments if you enroll after your IEP ends and don’t qualify for a Special Enrollment Period. If you don’t qualify for premium-free Part A, you’ll also face late penalties for Part A if you miss your IEP. Each part has its own rules for timing and for calculating the penalty.
The Part B penalty is an additional 10% of the premium amount for each full 12-month period you could have had Part B and didn’t. The penalty is charged every month for as long as you have Part B.
The Part D penalty is an additional 1% of the average Part D premium for each month you delay enrollment. The penalty amount may change each year along with annual Part D premiums. It’s charged every month for as long as you’re enrolled in Part D.
The Part A penalty is an additional 10% of the premium amount and is charged every month for twice the number of years enrollment was delayed.

12/18/2025

🌿 Your Body Notices the Little Things You Ignore

It’s funny how we push through days feeling “a little off” — a small headache, low energy, tight shoulders, or that tired feeling you can’t explain. We call it “normal,” but your body is quietly trying to talk to you.

Sometimes it’s not a big health problem… it’s just your body asking for something simple: a glass of water, five minutes of fresh air, a real meal instead of snacks, or just a moment to breathe without rushing.

Taking care of yourself doesn’t always mean changing your whole lifestyle. Sometimes it’s just paying attention. Your body whispers before it ever screams — and listening early makes all the difference.

12/03/2025

Choose a Medicare plan with benefits you need
Once you sign up for both Part A and Part B, you have to consider if you need further coverage. Parts A and B only cover hospital and medical coverage, respectively. This means things like drugs and dental are not provided for.
Part D plans can provide prescription drug coverage.
Medicare Advantage plans can provide prescription drug coverage & additional benefits such as dental, vision or hearing coverage.
Identify what you need and want covered before selecting the kind of Medicare coverage you end up with.

11/22/2025

🔥 Movement: The Medicine Your Body Was Built For

Your body is designed to move — not just during workouts, but throughout the day. Even a few minutes of light movement every hour can wake up your muscles, boost your circulation, and clear your mind. Sitting for long stretches slows everything down: your metabolism, your focus, your energy, even your mood.

You don’t need a gym to stay healthy. Stretch while working, take short walks, stand up and breathe deeply, or do a few body-weight moves at home. Consistent daily movement keeps your body young, your joints flexible, and your mind refreshed.

11/04/2025

Consider delaying Medicare Part B
You may be able to postpone Part B and delay paying the premium if you have other creditable coverage. You might be working past 65 and have employer-sponsored health insurance with an employer that has 20 or more employees, for example. Or maybe you have employer-coverage from a spouse’s employer, and that employer has 20 or more employees and allows covered-dependents to delay Medicare enrollment.
Check with the plan benefits administrator before deciding to postpone your Part B enrollment. You need to confirm that you have creditable coverage, ask for written proof (especially for your drug coverage) to ensure you can qualify for a Special Enrollment Period.

10/19/2025

🌬️ Deep Breathing: The Natural Stress Reset

Your breath is the simplest, most powerful tool your body has — and most of us barely use it. When you take slow, deep breaths, your body shifts out of “fight or flight” mode and into calm. Your heart rate slows, your mind clears, and your stress hormones begin to settle.

It’s not magic — it’s biology. A few minutes of mindful breathing each day can improve focus, lower blood pressure, and help you respond to stress instead of reacting to it. Close your eyes, inhale deeply through your nose, hold for a moment, and exhale slowly. You’ll feel the difference.

10/03/2025

☀️ The Healing Power of Morning Sunlight

A few minutes of morning sunlight is one of the simplest yet most powerful health boosters. That warm glow on your skin helps regulate your body’s internal clock, improving your sleep at night and your energy during the day. Sunlight also triggers your body to produce vitamin D — a nutrient essential for strong bones, immunity, and mood regulation.

Instead of immediately reaching for your phone, try stepping outside for 10 minutes after waking. Let your body soak in natural light, breathe deeply, and start your day grounded. Your mind, mood, and health will thank you.

09/18/2025

Find out if you’ll be enrolled in Medicare automatically
If you currently receive Social Security or Railroad Retirement Board benefits, you’ll be automatically enrolled in Original Medicare (Parts A & B). Medicare will mail your Medicare card to you. This applies if you are eligible for Medicare due to age or disability Your coverage will go into effect on the first day of your 65th birthday month or the month of your 25th disability check.
NOTE: You will still have your IEP during which you may make other coverage choices such as getting a Part D prescription drug plan or Medicare Advantage plan.

09/08/2025

You can sign up for Medicare as early as 3 months before you turn 65
Medicare eligibility begins at age 65, but you can sign up earlier to make sure your coverage starts as soon as possible. You will have a 7-month Initial Enrollment Period (IEP) that starts 3 months before the month of your 65th birthday. If you sign up during the first three months of your IEP, your Medicare coverage will kick in on the first day of your 65th birthday month. If you sign up later on in your IEP your coverage could be delayed.

08/24/2025

💧 Hydration: The Silent Key to Energy

Your body is more than half water, yet most people walk around quietly dehydrated every day. Even mild dehydration can cause headaches, fatigue, dizziness, and trouble focusing — making you think you’re tired or sick when your body is simply thirsty.

Water fuels every cell, helps regulate temperature, cushions your joints, and keeps your skin glowing. Forgetting to drink is like asking your body to run on half power. Keep a bottle nearby, sip throughout the day, and listen when your body whispers for water — before it has to shout.

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Allen, TX
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