Welcome to June, should be a short stay.

Your health insurance coverage holes...

No health insurance plan covers everything. Whether it’s a sudden hospitalization, outpatient surgery, or an unexpected emergency, there are always gaps that could leave you exposed.

Q: So how do you protect yourself from these gaps?
A: Ancillary Benefits.

If You Have a Medicare Advantage Plan:

Your plan may leave some expenses uncovered. The good news? Ancillary plans are often very affordable—and the sooner you enroll, the lower your premiums can be.

If You Have a Medicare Supplement:

These plans help with medical costs—but they don’t include dental. Plus, they won’t cover non-medical expenses like hotel stays, travel, or other costs that can come with an extended recovery.

If You Have a Marketplace Plan (like I do!):

You know all about those deductibles and high out-of-pocket maximums. Ancillary coverage can help manage those costs—and usually at a surprisingly low price.

What Are Ancillary Benefits?

Ancillary benefits are add-on insurance options that enhance your primary coverage. They can help with expenses your main health plan doesn’t touch:

• Dental and Vision Care – Cleanings, checkups, glasses, contacts, and more.

• Life & Disability Insurance – Financial support if illness or injury affects your ability to work or live.

• Critical Illness & Accident Plans – One-time payouts for major health events like cancer or accidents.

• Hospital Indemnity Plans – Help with the added costs of hospital stays.

Want to feel more confident in your coverage?
Let’s talk about how MeadorCare can help you fill in the gaps.

Check out this video about MeadorCare's intro.

If I haven't had to chance to meet you, or if you are bored, I have uploaded a few videos on Youtube.com (mainly for communication).

Here is the first...

https://www.youtube.com/watch?v=FEBHjEph8jw .

Should be a great insomia cure.

(If your curious, the drums in the begining is me recorded on a phone in the basement.)

I threw in this bonus video for free...

Whats happening to Medicare Supplements.

https://www.youtube.com/watch?v=hqUj2EuOrTQ

Also, here is a second video about what happening with Medicare Supplement right now. Things are happening differently than at any point in Medicares past. It is very concerning. It almost seems like the Medicare Supplement is in a dangerous place, premiums are through the roof. I don't see this changing either. More to come soon, I am sure.

please, would someone like a video, thanks.

Senior Scam & Fraud Prevention Workshop
Hosted by MeadorCare

Join us this July for an important and empowering event designed to help seniors stay protected from the latest scams and fraud tactics.

✅ Learn how to spot red flags
✅ Hear real-world examples
✅ Get tips to stay safe—online, on the phone, and in-person
✅ Bring your questions!

Date: Mid July
Time: 4-6
Location: Bent Oak Manor (Downtown Roanoke)
Cost: Free – brought to you by MeadorCare 😊

RSVP today to reserve your seat—space is limited!
📞 540-501-6767 | 📧 stephen@meadorcare.com

Big News in the ACA/Marketplace Insurance, BE AWARE!!!

1. The enrollment period may shrink to 11/01/2025 to 12/15/2025, from 11/01/2025 to 01/15/2026. We have many people that enroll in Janurary, according to the new law they will not be able to. This may not happen, but at this point, I am not sure. I hope not, we shall see.

2. Premiums may lose funding that keeps the premium low. This may not happen but at this point the funding is not there. I think they will fix it by the end of the year but I am not sure as well.

3. Aetna is leaving the ACA Marketplace nationwide, that is huge. As of right now, we will have Sentara and Anthem. No new carriers until 2026.

More to come as available.

Ralphie's Corner

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

Let’s talk about Coverage Gaps—the kind you don’t think about until they cost you.

🐾 Ralphie says: “Don’t let surprise bills sneak up on you like a squirrel on a power line.”

We’ll break down:

• Why even great plans (Marketplace or Medicare) have gaps

• What types of coverage help fill them (dental, accident, hospital indemnity, etc.)

• How little they might actually cost

👀 It’s not about spending more—it’s about protecting what you’ve already got.

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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.