Valley Medicare Solutions

Not all Medicare brokers are created equal. ⚠️

When it comes to retirement savings, experience matters. One wrong decision at 65 can cost you thousands of dollars — and some Medicare penaltoes are for LIFE.

📊This week’s Valley Medicare Solutions Medicare Minute to see what sets an experienced professional apart.

☎️(540)235-5604
📬 [email protected]
📍3615 Blue Ridge Blvd. Blue Ridge, Va 24064

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2024 🏅Gold
2025 🥉Bronze
2026..❓❓

We’re nominated for Best Insurance Agency in CommunityVotes - Roanoke VA annual awards!

Help us get recognized among the many other great Agencies in the Roanoke Valley

🙏

CommunityVotes Roanoke 2026 Official 2026 Community Voting Awards Platform for Roanoke, VA. Where the community votes for their favorites every year.

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We will be closed Monday, May 25th, in observance of Memorial Day.

Thanks to all who served and their families.

We will reopen on Tuesday, May 26th.

VirginiaNavigator now lists Valley Medicare Solutions under “Medicare and Health Insurance Education”

Not familiar with VirginiaNavigator’s free services❓

VirginiaNavigator is a trusted resource designed to help Virginians connect with reliable healthcare information and local support services.

Being included means more individuals and families can easily find guidance when navigating Medicare decisions and understanding their coverage options.

Our mission has always been simple: provide clear, educational, and personalized Medicare guidance without the confusion.

Grateful for the opportunity to continue serving our community and helping people make informed healthcare decisions.

☎️(540)235-5604
📬 [email protected]
📍3615 Blue Ridge Blvd. Blue Ridge Va 24064

📊Valley Medicare Solutions Medicare Minute -Medicare Extra Help:

Extra Help is a federal program that pays most or all of a Part D drug plan's premiums, deductibles, and copays.

In 2026, the program saves the average enrollee about $5,700 a year.

The income limit is $1,995 a month for a single person and $2,705 a month for a couple.

The asset limit is $16,590 single and $33,100 couple, not counting your home, vehicle, and $1,500 per person for burial.

Roth IRAs, traditional IRAs, brokerage accounts, and second homes do count toward the asset limit.

If already on Medicaid, SSI, or a Medicare Savings Program auto-qualifies for Extra Help

Application is free through the Social Security Administration. If your numbers are close to either limit, applying is worth the time!

☎️(540)235-5604
📬[email protected]
📍3615 Blue Ridge Blvd. Blue Ridge, Va 24064

📊Valley Medicare Solutions Medicare Minute:
Medigap vs Medicare

Everyone on Medicare pays the same Part B premium: $202.90 per month in 2026. The question is “What do I add to cover the gaps in Medicare Part A and Part B”❓

📌Option #1 : add Part D plan for prescriptions (about $35/month) and a Medigap policy to cover the gaps.

Medigap Plan G, the most popular option, runs $150–$250 per month depending on your age and state. Total: around $390–$490 per month.

📌Option #2 : Medicare Advantage, you could pay $0–per month on top of Part B, and prescriptions are usually included. Total: around $203–$253 per month.

That's a big monthly premium difference. So why would anyone choose the more expensive option?

Answer: Every individual has a different budget and healthcare needs. Both options provide comprehensive care- but you may prefer one over the other! And it’s important to learn about all the coverage options available before enrolling.

Ready to learn more? Give us a call today

☎️(540)235-5604
📬[email protected]
📍3615B Blue Ridge Blvd. Blue Ridge Va 24064

Botetourt County Sheriff's Office
Senior Social - Friday, May 15th @ 11:30am
📍Orchard Hills Church
6032 Cloverdale Rd, Roanoke Va 24019

*** SENIOR SOCIAL NEXT FRIDAY ***

The Botetourt County Sheriff’s Office Senior Focus Outreach Program invites you to our next “Senior Social” on Friday, May 15th, at 11:30 a.m. at Orchard Hills Church, 6032 Cloverdale Rd, Roanoke.

Our featured speaker will be Matt Ferguson with The Carpenter’s Helpers, a ministry partnering with the Botetourt Resource Center to assist low-income seniors and disabled residents in Botetourt County with home repairs and improvements. Matt will share information about the program, volunteer opportunities, and available resources for seniors in our community.

We will also have vendors available to speak with seniors about public and private services including daily well-being checks, general health resources, and financial wellness. Government agencies and community organizations will also be on site to answer questions and assist seniors with navigating future needs.

The event, all services, and a meal are provided free of charge to the Botetourt senior community.

For more information, contact Andrea Mundy, Community Outreach Coordinator, at 540-928-2233.

Please share this information with a Botetourt County senior you know and invite a friend, family member, or neighbor to attend. We look forward to seeing you there!

📊Medicare Minute: Medicare Part A vs. Part B

Part A deductible is per benefit period, ending 60 days after discharge.

Part A skilled nursing coverage Days 1-20 are covered in full, and days 21-100 carry a $217/day coinsurance in 2026.

Medigap and Medicare Advantage both fill the 20% cost-sharing gap Part B leaves open. Medigap pays secondary to Original Medicare. Medicare Advantage replaces Original Medicare with a private plan that has its own network and prior authorization rules.

Understanding Medicare costs can help beneficiaries avoid overpaying premiums and Out-of-Pocket charges.

Still have questions? Medicare education is what we do.
Call today

☎️(54)235-5604
📬[email protected]
📍3615 Blue Ridge Blvd. Blue Ridge Va 24064