Splendid Health Insurance

⏳ ONLY 6 DAYS AWAY FROM MEDICARE ANNUAL ENROLLMENT! 🗓️✨

October 15th officially marks the start of the most important time of the year for Medicare beneficiaries. Over the coming weeks, you can compare and adjust your plan for 2027 before the enrollment period closes on December 7th.

To help you make sure no detail gets overlooked, Splendid Health Insurance shares this simple 4-Step Checklist:
1️⃣ Your Doctors: Confirm that your primary care physicians and specialists remain in your plan's preferred network.
2️⃣ Your Prescriptions: Make sure your regular medications are still on the formulary with the lowest copays.
3️⃣ Your Extra Benefits: Compare the coverage allowances for dental, vision, hearing, and OTC cards.
4️⃣ Your Total Costs: Review the deductible and maximum out-of-pocket limits (Out-of-Pocket Max).

Reviewing your plan is 100% free and gives you the peace of mind of starting 2027 with no unexpected surprises at the pharmacy or doctor’s office.

💬 Let’s connect before the weekend!

Which of these 4 points concerns you the most or would you like to check first?
🔴 1) In-network doctors
🔵 2) Medications and prescriptions
🟢 3) Dental and vision benefits
(Comment your number below or write the word "CHECKLIST", and our team of independent advisors at Splendid Health will help you review your plan 100% free 🤝💙)

📞 Call us directly: (832) 568-3545
🗓️ Schedule your 2027 online consultation: https://calendly.com/splendidhealth/medicareconsultation
💻 Submit your prescriptions securely: https://retireflo.com/pamela-castellanos

💊 Same prescription. Same routine. But not necessarily the same coverage.

If you’ve taken the same medications for years, it’s easy to assume everything will work exactly the same in 2027.

But Medicare Part D plans can change from year to year.

Your plan may have changes involving:

✔️ The drugs on its formulary
✔️ Preferred pharmacies
✔️ Copays and other prescription costs
✔️ Prior authorization or other coverage requirements

So even when your prescription stays the same, your coverage experience may not.

That’s why reviewing your drug coverage before the new year can help you understand what to expect instead of discovering changes at the pharmacy counter.

💜 Clarity before surprises. That’s the Splendid approach.

Be honest: do you review your prescription coverage every year?

Comment:
YES / NOT ALWAYS / I NEED HELP

📩 Send this to someone who takes prescriptions every day.
Coverage, benefits and costs depend on the specific plan and individual circumstances. Speak with a licensed agent to review your options.

💊 MEDICARE PART D: 2026 vs. 2027

Two numbers are changing — but they do not mean the same thing.

2026
Deductible: $615
Out-of-pocket threshold: $2,100

2027
Deductible: $700
Out-of-pocket threshold: $2,400

So, what’s the difference?

👉 The deductible is the amount you may pay for covered Part D drugs before your plan begins sharing certain prescription costs.

👉 The out-of-pocket threshold is the annual spending level used to determine when you move into the catastrophic phase of Part D coverage.

In simple terms:

Deductible = what happens near the beginning of your drug coverage.
Out-of-pocket threshold = a limit reached later after qualifying prescription spending accumulates.

They’re connected to the same Part D benefit — but they serve very different purposes.

Your actual prescription costs can vary based on your plan, medications, pharmacy, coverage rules and eligibility for assistance.

💜 At Splendid Health Insurance, we break Medicare changes down into information you can actually use.

Which 2027 change should we explain next? 👇

A. Drug costs
B. Premiums
C. Insulin
D. Extra Help

🔖 Save this comparison for when you review your 2027 coverage.

🚨 A $0 PREMIUM MEDICARE PLAN IN 2027? WHAT YOU NEED TO CHECK BEFORE ENROLLING 🩺✨

A $0 monthly premium sounds great, but the true cost of a Medicare plan isn't just what you pay each month—it’s what you pay when you actually use your benefits.

For Medicare 2027, there are 3 key details in your ANOC letter to review before December 7:
1️⃣ Doctor & Hospital Networks: Providers can leave or enter plan networks every year.
2️⃣ Prescription Drug Tiers: Drug formularies and copays shift annually.
3️⃣ Extra Benefits & Copays: Dental, vision, and specialist copays change from plan to plan.

At Splendid Health Insurance, as an independent agency, we compare top plans across carriers to help you find the right fit for your doctors and budget.

💬 Tell us in the comments:
What is your #1 priority for 2027?

🔴 A) Keeping my current doctors in-network.
🔵 B) Lowest copays on prescription drugs.
🟢 C) Great dental & vision coverage.

(Comment your choice or write "REVIEW" for a free plan checkup! 🤝💙)

📞 Call us: (832) 568-3545
🗓️ Book online: https://calendly.com/splendidhealth/medicareconsultation

🚨 MEDICARE PART D: $700 IN 2027

If you take prescription medications, this is a number worth knowing.

For 2027, the deductible for the defined standard Medicare Part D benefit is $700, up from $615 in 2026.

But here’s the important part:

What does that actually mean for YOUR prescriptions? 💊

Not every plan works the same way. Your:

✓ Medications
✓ Pharmacy
✓ Formulary
✓ Drug coverage
✓ Specific plan

can all matter when understanding your prescription costs.

That’s why simply seeing “$700” doesn’t tell you the whole story.

At Splendid Health Insurance, we help you review your medications and Medicare coverage so you can better understand your options before making a decision.

👇 QUICK POLL:

Have you reviewed your Medicare drug coverage for 2027?

A — YES✅
B — NOT YET👀
C — I DON’T KNOW WHERE TO START 🤔

💬 Comment A, B or C below.

Want help reviewing it? Comment INFO or send us a message.

📞 (832) 497-3623
🇺🇸 English & Español 🇪🇸

🎀 OCTOBER IS BREAST CANCER AWARENESS MONTH — AND YOUR MAMMOGRAM MAY BE COVERED AT $0.

About 1 in 8 women will be diagnosed with invasive breast cancer in their lifetime. Regular screening can help detect breast cancer earlier, when treatment may be more effective.

What you need to know about breast cancer screenings and coverage:

✅ ACA-compliant plans: Recommended screening mammograms are generally covered at $0 for women 40+ when applicable eligibility and network requirements are met

✅ Medicare: Covers a screening mammogram every 12 months for women 40+ at $0 when the provider accepts assignment

✅ Diagnostic mammograms: May also be covered when medically necessary — your plan may apply cost-sharing

✅ BRCA genetic counseling and testing: May be covered for people who meet certain high-risk criteria

✅ If diagnosed: Treatments such as surgery, radiation, chemotherapy, and hormone therapy may be covered, depending on your plan and treatment needs

If you're due for a screening mammogram, don't put it off. And if you're not sure what your plan covers, we can help you understand your benefits.

📞 FREE Consultation: +1 (832) 497-3623

🗓️ Book your appointment: https://shorturl.at/uBquZ

👥 Join our community: https://www.facebook.com/groups/1855229751841019

Splendid Health — Making care easier for families.

YOU DON’T NEED TO MEMORIZE MEDICARE.

You just need to know what questions to ask. 💜

Medicare can come with unfamiliar terms, different coverage options, and decisions that may feel overwhelming.

But making a confident decision doesn’t mean becoming a Medicare expert overnight.

It means asking questions like:

✓ What are my coverage options?
✓ What should I compare before choosing?
✓ Are my doctors and prescriptions important when reviewing a plan?
✓ What costs should I understand beyond the monthly premium?

That’s where the right guidance can make a difference.

At Splendid Health Insurance, we believe you deserve clear explanations, personalized attention, and the opportunity to understand your options before making a decision.

Save this post for when Medicare starts feeling complicated. 🔖

What’s one Medicare question you wish someone would explain in plain English?

👇 Leave it in the comments or comment HELP and we’ll help you get started.

🦴 JOINT PAIN IS NOT JUST PART OF AGING — AND YOUR COVERAGE SHOULD REFLECT YOUR HEALTH NEEDS.

Rheumatoid arthritis, osteoarthritis, lupus, and other joint conditions affect millions of Americans — and treatment costs can add up quickly depending on your coverage and healthcare needs.

What to look for in your health plan when managing a joint condition:

✅ Rheumatologist visits: Confirm that your preferred specialists are in-network

✅ Diagnostic imaging: MRI, X-rays, and other imaging may be covered, but coverage and out-of-pocket costs vary by plan

✅ Physical and occupational therapy: Generally covered when medically necessary; plan requirements may vary

✅ Biologic medications: Drugs such as Humira and Enbrel can be expensive — check your plan's formulary, coverage rules, and out-of-pocket costs carefully

✅ Joint replacement surgery: Check whether your plan requires prior authorization and what your potential out-of-pocket costs may be

✅ Durable medical equipment: Medicare Part B may cover medically necessary equipment such as walkers and certain braces when eligibility requirements are met

If you're managing a chronic joint condition, your plan choice can have a significant impact on your healthcare costs throughout the year.

Don't choose a plan based on the premium alone. Make sure it fits your doctors, medications, treatments, and healthcare needs.

📞 FREE Consultation: +1 (832) 497-3623

🗓️ Book your appointment: https://shorturl.at/uBquZ

👥 Join our community: https://www.facebook.com/groups/1855229751841019

Splendid Health — Making care easier for families.

You Googled ONE Medicare question…
and somehow ended up with 12 more. 😵‍💫

Part A. Part B. Part D.
Original Medicare. Medicare Advantage. Supplements. Enrollment periods…

And suddenly your “quick search” has 17 tabs open. 😅

If that sounds familiar, you’re definitely not the only person trying to make sense of all the Medicare terminology.

The good news? You don’t have to understand everything at once.

At Splendid Health Insurance, we believe Medicare should be explained in plain language — one question at a time, without unnecessary pressure.

💬 What Medicare question confuses you the most?

Drop it in the comments. Your question might become our next Medicare post.

Comment INFO if you’d rather talk with a licensed agent.

🍂 FALL IS HERE — IS YOUR PREVENTIVE CARE UP TO DATE?

Fall is a great time to make sure you're caught up on preventive care before the year comes to a close.

If you have Medicare, many preventive services are available at $0 when you meet Medicare's eligibility requirements and use a participating provider. Here are five worth checking on:

✅ Annual Wellness Visit (Medicare): $0 if eligible — includes a cognitive assessment and a personalized prevention plan

✅ Flu shot: Covered at $0 with Medicare Part B when you use a participating provider — September and October are generally good times to get vaccinated

✅ Mammogram: Medicare covers a screening mammogram every 12 months for women age 40 and older

✅ Colorectal cancer screening: Medicare covers several screening options, including colonoscopies, depending on your eligibility, risk factors, and screening history

✅ Diabetes screening: Medicare covers eligible preventive diabetes screenings to help identify blood sugar problems early

These benefits are there to help you stay ahead of potential health problems — so don't wait until the last minute to find out what you're eligible for.

Make sure you're up to date on your preventive care before the year ends.

📞 FREE Consultation: +1 (832) 497-3623

🗓️ Book your appointment: https://shorturl.at/uBquZ

👥 Join our community: https://www.facebook.com/groups/1855229751841019

Splendid Health — Making care easier for families.