Financial Benefits Insurance, Inc

What if your prescriptions cost just a few dollars each?

There's a program called Extra Help, also known as the Low-Income Subsidy, that helps pay for your Part D drug costs.

In 2026, people who qualify pay no more than $5.10 for a generic and $12.65 for a brand-name drug.

You can apply anytime at SSA.gov/extrahelp, and a local agent can help you check if you qualify.

Heard of Extra Help? Yes or No.

Want to see what you may qualify for? Send us a message or call (808) 792-5194 for a free, no-obligation review.

Benefits and premiums vary by plan and location.

Medicare isn't just for people 65 and older.

A lot of people don't realize you can qualify before 65, through a disability, End-Stage Renal Disease, or ALS.

If you've been receiving Social Security disability benefits for 24 months, you may already be eligible.

If that's you, or someone you love, it's worth a conversation. You may have more options than you think.

Did you know this? Yes or No.

Not sure what you qualify for? We'll walk through it with you, free. Call (808) 792-5194 or message us here.

To the dads who showed us how to show up, mahalo.

The ones who taught us to fish, to drive, to fix what's broken and stand by what's not.

The ones who never asked for thanks but earned it every single day.

This Father's Day, we're thinking of all of them, including the ones we miss.

Happy Father's Day from our ohana to yours. 🤙

Share a photo of your dad below.

Turning 65 this year? You have a seven-month window you don't want to miss.

It's called your Initial Enrollment Period. It starts three months before your birthday month, includes your birthday month, and runs three months after.

In that window, you can sign up for Part A and Part B, and choose a Medicare Advantage or drug plan.

Miss it, and you could face a permanent late penalty. A quick chat now saves a headache later.

Know someone turning 65 soon? Tag them.

Your locally licensed agent is just a call away. Reach us at (808) 792-5194 or visit fbihi.com.

Meet Brenda Tanga, your local Oahu agent who thinks about tomorrow, not just today.

Brenda holds a CLTC designation, that's special training in long-term care planning. It means she looks past this year's plan to what you might need down the road.

She's a locally licensed Medicare agent, right here on Oahu, and she treats every question like it's the most important one of the day.

Because to you, it is.

What's the one Medicare question you'd want answered first?

Reach Brenda directly at 808-341-5557, or call our office at (808) 792-5194 to connect with her.

True or False?

With Original Medicare, there's a yearly limit on how much you pay out of pocket.

Drop your answer below before you scroll. This one surprises a lot of people.

Not sure if your current plan is still the best fit? We'll review it with you, free. Call (808) 792-5194 or message us here.

Sometimes the best review is the simplest one.

"All staff have been very helpful, patient and friendly."

Patient. That word means a lot when you're sorting through Medicare. There are no silly questions here, ask as many times as you need.

That's the kind of service that turns clients into family.

Has a local agent ever caught something you missed?

Your local Medicare agent is just a call away. Call (808) 792-5194 or visit fbihi.com.

Individual experiences may vary. Benefits depend on your specific plan and location.

Ever wonder what happens before your local agent shows up at your door?

Before every home visit, there's prep. Pulling your plan details, checking what's new for the year, jotting down the questions you asked last time.

It's not glamorous. But it's how a local agent makes sure your time together actually counts.

That's the difference between a neighbor and a 1-800 number.

🌺 if you've met our team in person.

Want to see what plans are available in your area? Send us a message or call (808) 792-5194 for a free, no-obligation plan comparison.

Meet Herb Kaopua, he can explain Medicare in Portuguese and English.

Medicare is confusing enough in any language. Herb makes it clear in two.

Based on Oahu, Herb is a locally licensed Medicare agent who sits down with you, listens, and answers your questions at your pace. Never rushed, never pushy.

If you've ever wished someone would explain your options in the words you're most comfortable with, Herb is your guy.

Tag someone who'd want Medicare explained in their own language.

Reach Herb directly at 808-850-5500 or [email protected], he's happy to talk story about your Medicare options.

If you take insulin, here's some good news for 2026.

This year, your cost for covered insulin is capped at $35 a month, with no deductible to meet first.

That's the same low price in January as it is in December. No surprises at the pharmacy counter.

For a lot of kupuna, that's real money back in your pocket every month.

🌺 if this is good news for your ohana.

Have questions about your Medicare options? Call us at (808) 792-5194 or visit fbihi.com, we're happy to help.