Melissa Brooke Pelzer Insurance Broker

10/21/2025

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AARP Member Benefits

10/21/2025

Contact me with any questions.

10/21/2025

Contact me with any questions 😀

10/21/2025

06/07/2025

Good information, everyone. In 2024, the maximum out-of-pocket cost for Medicare Part D enrollees was capped at approximately $3,300 to $3,800 for those who have high drug costs and reach the catastrophic coverage phase. Once this cap is reached, enrollees are no longer responsible for 5% coinsurance for the remainder of the year. Starting in 2025, this cap will be reduced to $2,000, and the coverage gap (or "donut hole") will be eliminated. This cap includes deductibles, copayments, and coinsurance for covered drugs. Once a person's out-of-pocket spending reaches $2,000, their Part D plan pays 100% of the cost for covered drugs for the rest of the year. The cap does not cover costs for medications not covered by Part D, such as those covered under Part B (e.g., injectables) or medications purchased outside of the plan.

01/29/2025

We do not offer every plan available in your area. Currently we represent [insert number of organizations] organizations which offer [insert number of plans] products in your area. Please contact Medicare.gov, 1-800-MEDICARE, or your local State Health Insurance Program (SHIP) to get information on all of your options.

The official U.S. government website for Medicare, a health insurance program for people age 65 or older and younger people with disabilities.

08/21/2024

Explore your options!

01/21/2024

Reminder:

12/24/2023

Funny!