Active Medicare Solutions

02/10/2026

February is American Heart Month, and a great time to prioritize prevention.

Medicare covers certain cardiovascular disease screenings, including:
🔹Cholesterol
🔹Lipid levels
🔹Triglycerides

If your provider accepts assignment, you may pay nothing for these tests. That’s one small step that could make a big difference for your heart health.

Ask your doctor what screenings are due and make preventive care part of your plan this year.

Learn more at medicare.gov/preventive-services.

02/10/2026

A few small Medicare missteps can lead to high costs down the line, but the good news is, they’re easy to avoid with the right support.

Here are some of the most common issues we see:
🔹Missing key enrollment deadlines
🔹Paying late-enrollment penalties
🔹Assuming prescriptions are covered without checking Part D
🔹Thinking Medicare includes dental or covers family members

If any of these sound familiar, it might be time for a quick coverage review. We’re here to help you stay ahead so you can move forward with confidence.

Visit www.activemedicaresolutions.com to get started.

02/05/2026

Cancer impacts millions every year — but the right coverage can make a life‑changing difference.

What Is Cancer Coverage?
Cancer insurance is a supplemental policy that helps cover the high, unexpected costs that come with a cancer diagnosis. It’s designed to work alongside your existing health insurance — including Medicare.

What Does It Cover?
• Lump‑sum cash benefits after diagnosis
• Hospital stays and outpatient treatments
• Chemo, radiation, and specialized therapies
• Travel for treatment and second opinions
• Lost income or everyday expenses during recovery

What Medicare Does Not Cover:
While Medicare provides strong medical benefits, there are still gaps that can create financial strain during cancer treatment:
• No coverage for most non‑medical costs like travel, lodging, meals, or household bills
• Limited coverage for certain prescription drugs depending on the plan
• No income replacement if you need time off work
• Potentially high copays, coinsurance, and deductibles depending on your Medicare plan
• Out‑of‑network treatment costs may be higher or not covered at all under certain plan types

Real‑Life Example:
Imagine someone receives a cancer diagnosis and must take time off work. While Medicare covers their medical treatments, cancer coverage provides a lump‑sum cash benefit that can help pay for their mortgage, groceries, travel to treatment centers, and other non‑medical costs. That financial breathing room lets them focus on healing — not bills.

Did You Know?
• 1 in 2 men and 1 in 3 women will be diagnosed with cancer in their lifetime.
• The average cost of cancer treatment in the first year can exceed $150,000.
• More than 60% of financial hardship related to cancer comes from non‑medical expenses.

Having the right protection in place can provide confidence and peace of mind when it matters most. If you’d like to learn more about how cancer coverage works, I’m here to help.

01/22/2026

When unexpected health events happen, medical bills shouldn’t be an extra worry. That’s where supplemental insurance comes in, adding a financial safety net on top of your regular health coverage.

Here’s a quick breakdown of three common types and how they differ:

✅ Accident Insurance - Pays you cash benefits after accidental injuries like a fall, fracture, or car crash. You can use the money for hospital visits, therapy, or any other expenses while you recover.

✅ Critical Illness Insurance - Provides a lump-sum payment if you’re diagnosed with a serious condition such as cancer, heart attack, or stroke. The funds go directly to you, covering treatment, lost income, or even household bills.

✅ Hospital Indemnity Insurance - Offers a set cash benefit for each day you’re hospitalized. It helps with costs your primary plan may not fully cover, including co-pays and other daily expenses.

Even with strong health insurance, major health events can be financially devastating — and your finances should be the last thing on your mind.

If you’d like help reviewing your coverage or exploring supplemental options, give our office a call. We’re here to help you find the right fit.

01/20/2026

The start of a new year is the perfect time to take stock of your goals and your protection. Life insurance is about more than policies. It’s about protecting the people and plans you care about most.

As life changes, your coverage may need to change too. Consider:
🔹Income replacement for your spouse or family
🔹Paying off debts or a mortgage
🔹Creating a legacy or funding long-term goals

Let’s review your current coverage and make sure it still reflects your needs today. You can learn more at www.activemedicaresolutions.com.

01/15/2026

Unexpected hospital stays can come with unexpected costs not fully covered by Medicare. That's where hospital indemnity insurance comes in. Here's how it works:

✅ Daily Cash Benefit - Get a fixed daily benefit based on your expected costs during your hospital stay, regardless of your actual medical expenses.

✅ No Overlap - Payments are made to you directly, even if you have other insurance.

✅ Flexible Costs - Premiums depend on your age and the amount of coverage you choose.

✅ Direct Payments - Cash benefits go to you, not the hospital, giving you more control over your funds.

Want to know more? Reach out to learn how this coverage can fill the gaps!

01/13/2026

Medicare isn’t one-size-fits-all, and that’s a good thing. At Active Medicare Solutions, we help you choose the path that works best for your needs:

🔹Medicare Supplement (Medigap) – Predictable costs and freedom to see any doctor who accepts Medicare.
🔹Medicare Advantage (Part C) – All-in-one coverage with built-in extras like dental and vision.
🔹Part D Prescription Drug Plans – Standalone or bundled options to keep your medications covered.

Not sure which one fits best? We’ll help you weigh the pros and cons, so you can feel confident in your decision. Feel free to reach out anytime: www.activemedicaresolutions.com.

01/07/2026

Hospital stays can come with unexpected costs, even with Medicare Advantage coverage. That’s where hospital indemnity insurance can help.

This supplemental coverage pays a fixed cash benefit directly to you during covered hospital stays. That money can be used for:
🔹Copays or coinsurance
🔹Travel and lodging
🔹Other unexpected expenses

It’s not a replacement for Medicare — it’s an added cushion of support for when you need it most.

Curious if this might fit your situation? Let’s have a quick conversation: www.activemedicaresolutions.com

01/01/2026

😆 “New Year’s resolutions work like this: you think of something you enjoy doing and then resolve to stop doing it.” 😆
– Charlie Brooker

We hope you will instead resolve to do something you enjoy!

01/01/2026

🎉✨ Cheers to a Fresh Start! ✨🎉

Whether you're staying up ‘til midnight or calling it a night at 9 p.m., we hope your New Year’s Eve is filled with joy, laughter, and a little sparkle.

Here’s to new adventures, good health, and bright new possibilities in 2026.

Happy New Year from all of us to you!

🥳

12/30/2025

A formulary is the list of prescription drugs covered by a health insurance plan. Health plans, like Medicare Part D and Medicare Advantage Plans, use formularies to outline which medications are covered and how they are tiered in terms of cost. Formularies may change each year, so it’s important to review them during open enrollment.

12/26/2025

🚨 Every year, scammers target Medicare beneficiaries with phone calls, emails, and even door-to-door visits. They may claim to be from Medicare or an insurance company and try to get your personal information.

Watch out for:
• Unsolicited calls about “new” or replacement Medicare cards
• Offers for free genetic testing or health screenings
• Promises of rebates or switching you to a “better” plan
• Bills for services or equipment you never received

Here’s how to protect yourself:
✅ Never share your Medicare number or banking details with someone who contacts you unexpectedly
✅ Be skeptical of anything that sounds too good to be true
✅ Check your Medicare Summary Notices and Explanation of Benefits regularly
✅ Report anything suspicious to 1-800-MEDICARE or contact your local Senior Medicare Patrol (SMP) for help.

Fraud doesn’t just affect you — it increases healthcare costs for everyone. Staying informed is the best defense.

Senior Medicare Patrols (SMPs) empower and assist Medicare beneficiaries, their families, and caregivers to prevent, detect, and report health care fraud, errors, and abuse.