Late April Newsletter

Seeing Things a Bit More Clearly...

A lot of folks are wondering: What will the new administration do with health insurance, and how will the market respond?

Here’s what I’ve been hearing from the inside:
Plans for 2025 are likely to look a lot like what we have in 2024. But beyond that — think 2026 — we may start seeing benefits and pricing return to something more like we had in 2022 and 2023. In short: hang in there. If all goes well, the current high-cost environment may start easing up within the next year.

In the meantime, here are some things that can help right now:

For Medicare Plans

Extra Help – If your income is under $23,475 (single) or $31,725 (married), you may qualify for help with drug costs.
1 Call Social Security at 1-800-772-1213 to apply.

Medicaid – If you recently lost coverage, call your social worker ASAP.
Reminder: You must complete your yearly recertification to stay enrolled. Need help? Call us.

Drug Costs – Medicare drug plans have a $2,000 out-of-pocket maximum in 2025. If you've spent that much already, you shouldn’t owe anything more for your medications this year.

For Everyone Else

Cancer, Heart Attack, and Stroke Coverage – These policies are affordable and can pay you a $5,000+ check if you’re diagnosed.
1. Must medically qualify. The earlier you apply, the lower the premium. Contact us for a quote.

Hospital Indemnity Plans – These low-cost plans can help cover or even pay for surgeries and hospital stays.
1. Ask us for a quote — you might be surprised how affordable this protection is.

Pharmaceutical Assistance – If your medication is expensive, try this:
1. Google: “[Your Medication Name] pharmaceutical assistance”
2. Contact the manufacturer — many offer programs that reduce your copay if you qualify.

Charity Care (Hospital Bill Help) – Most hospitals offer programs that can wipe out medical debt or cover future bills.
📞 Carilion Financial Assistance: 1-866-720-3742
📞 LewisGale Financial Assistance: 1-855-422-6625
Call their financial department to apply, and Remember to ask for Extra Help.

If you're unsure about anything — just call us.
☎️ 540-501-6767
We don’t charge a fee. We’re here to help.

Behind the scenes at MeadorCare!!!

🎉 Big News: Polly Joins the MeadorCare Team! 🎉
(And yes — she's my wife!)

After 7 amazing years as a hairdresser, Polly is trading scissors for service — and joining MeadorCare full-time to help you.

Here’s why this is awesome:
1. Faster callbacks
2. Quicker answers to your questions
3. More help with appointments
4. That same MeadorCare personal touch — now with double the care!

Polly is learning the ropes the MeadorCare way and already making a big difference behind the scenes.

Need help? 💬
Smash the RED button below and ask for Polly!
She’s ready to help — and yes, she actually answers the phone. 😉

What is MeadorCare Billing and Claims service???

Need help with your health plan?
Whether you received a bill you don’t understand or didn’t get your insurance card in the mail, just give us a call at 540-501-6767 — we’re here to help.

This is a free service for all MeadorCare clients.
Thankfully, the plans we recommend usually run smoothly, and most issues are rare. But if something does come up, you can count on us to step in and get it sorted.

Ralphie's Corner

#1 This is the first installment of Ralphie's Corner. Where Ralphie gets to teach about insurance and we get to learn exciting words!!!

What is a deductible???

A health insurance deductible is the amount you have to pay out of your own pocket for medical services before your insurance starts to pay.

Here’s a simple breakdown:

• If your deductible is $1,500, you must pay the first $1,500 of covered medical costs yourself.

• After that, your insurance begins to share the cost — usually through coinsurance (like 80/20 splits) — until you hit your out-of-pocket maximum.

Important Notes:

• Preventive care (like annual checkups or vaccines) is often covered 100%, even before you meet your deductible.

• Some plans have separate deductibles for medical services and prescriptions.

• High-deductible plans usually come with lower monthly premiums, but higher upfront costs when you get care.

Thanks Ralphie, that was a lot!!

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We do not offer every plan available in your area. Any information we [provide is limited to those plans we do offer in your area. Please contact Medicare.gov or 1800 Medicare to get all you plan options.