September Newsletter

A lot of changes are expected as we move toward the end of the year:

Medicare

• Refferals are back in a big way!!!

• Maximum Out-of-Pocket (MOOP) limits are also trending upward.

• To help offset this risk, I strongly recommend considering a Hospital Indemnity plan. These pair well with Medicare Advantage and can provide significant financial relief if a hospital stay occurs. (Let me know if you’d like me to run a quote for you.)

ACA / Marketplace Plans

• We are waiting to see if premiums will raise or lower. Still no news

• You will need to pick your plan for next year even if you are keeping the same plan.

As always, I’m here to answer questions and help you review your coverage options. Don’t hesitate to reach out if you’d like me to take a closer look at your situation. 540.501.6767

*****PRE AEP Event!!!*****

For Medicare Enrollees

Free Event

Date: 10/9 5-7pm

Please bring a friend, everyone is welcome.

Agenda, AEP prep will begin @ 6pm

• Welcome & what AEP means (5)

• How to read your ANOC (10)

• Doctors, prescriptions, and networks checklist (10)

• What’s changing for 2026 and how to think about it (10)

• Q&A and one-on-one sign-up table (10)

Bring your ANOC Letters if you are unsure what it is saying.

Lets check your plan and make sure you are set up for next year.

Everyone welcome, feel free to bring someone who needs help as well.

RSVP BELOW!!!

New info, for Medicare!!!

Referrals are back

Almost all Medicare Advantage plans include referrals

If you want to go to a Specialists (anything but a Primary Dr.) you will need a referral to go see him, from your Primary Dr (PCP). I am not a big fan of referrals but they are coming in about all states and just about all plans.

What we are looking at hopefully a temporary change, I don't think this will stay on the books past 5 years but we will see.

What this means is that when you go to your Spec., your PCP will have to give you a referral to the Spec. I know what you are thinking, what if my Spec Dr is not they Dr that I get referred to, even though he is in network? Typically, just tell your PCP and request your current Spec. If anyone has trouble please let me know.

Ralphie's Corner

#4 Ralphie here! 🐶

Today’s word is Formulary.

A formulary is simply your plan’s list of covered prescription drugs. Every Medicare or health plan has one, and it shows which medicines are included and how much they’ll cost you.

Sometimes drugs are grouped into “tiers” — lower tiers usually mean lower costs, while higher tiers may cost more.

MeadorCare Core Values

MeadorCare isn’t just an agency — it’s a movement to fix confusing insurance.

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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.