Distinguished Choice Insurance Solutions LLC

Preventive care can make a big difference in staying ahead of your health. Medicare may cover services like yearly depression screenings, certain vaccines, cancer screenings, medical nutrition therapy, and your one-time “Welcome to Medicare” visit.

Coverage can depend on your plan, eligibility, and provider, so don’t guess your way through it.

Contact Distinguished Choice Insurance Solutions to learn more about what preventive services may be available to you.

⭐️ (575) 652-6585
distinguishedchoice.com

Medicare Part A and B are a great start. But they were never designed to cover everything, and most people do not find that out until they are staring at a bill they did not expect.

Here is what original Medicare does not tell you upfront.

Both Part A and Part B have their own deductible. That means before Medicare pays a single dollar, you are already paying out of pocket twice.

After those deductibles are met, Medicare splits the cost 80/20. Medicare pays 80%, and you are responsible for the remaining 20% every single time you receive care.

Here is the part that catches people off guard. There is no cap on your 20%. No maximum. A serious illness or extended hospital stay could cost you tens of thousands of dollars, with nothing stopping it.

On top of that, neither Part A nor Part B covers your prescriptions, dental care, routine vision, or hearing. Those gaps are real, and they add up fast.

The good news is that supplemental coverage exists specifically to fill these gaps. We help you find the right plan to protect yourself from exactly these situations.

CALL US TODAY!
📞 (575) 652-6585

We wanted to share so important information with our communities

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Antidepressant recalled over suspected carcinogen Thousands of bottles of the antidepressant duloxetine have been recalled over elevated levels of an impurity suspected of causing cancer.

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Medicare Part B and Part D may add penalties to your premium payments if you enroll after your IEP ends and don’t qualify for a Special Enrollment Period. If you don’t qualify for premium-free Part A, you’ll also face late penalties for Part A if you miss your IEP. Each part has its own rules for timing and for calculating the penalty.

Our role is to be your guide so you DO NOT miss deadlines!
CALL US TODAY: (575) 652-6585
www.distinguishedchoice.com/contact-us

Did you know your Medicare Part D drug costs can change three different times throughout the year? Most people only find out when they notice their copays suddenly look different at the pharmacy counter.

Here is a simple breakdown of the three stages of Medicare Part D coverage for 2026.

𝗦𝘁𝗮𝗴𝗲 𝟭 is the deductible stage. You pay 100% of the cost of your covered prescriptions until you meet your plan's deductible. In 2026, the maximum deductible is $615, though many plans offer a lower deductible or even $0 to start.

𝗦𝘁𝗮𝗴𝗲 𝟮 is the initial coverage stage. After your deductible is met, you pay 25% of your drug costs. Your Part D plan picks up 65%, and the drug manufacturer covers the remaining 10%. This continues until your total out-of-pocket spending on covered drugs reaches $2,100 for the year.

𝗦𝘁𝗮𝗴𝗲 𝟯 is catastrophic coverage. Once your spending hits that $2,100 cap, your cost drops to $0 for the rest of the calendar year. Medicare, your plan, and the drug manufacturer split everything from that point forward.

One more thing worth knowing. The old coverage gap, once called the donut hole, is officially gone. Starting in 2025, the Inflation Reduction Act eliminated it, making the Part D benefit much simpler and more predictable than before.

Choosing the right Part D plan depends on which medications you take, which pharmacies you use, and how much you want to pay in premiums versus out-of-pocket costs. There is no one-size-fits-all answer, and that is exactly why we are here.
At Distinguished Choice Insurance Solutions, we help you compare Part D plans and find the one that fits your prescriptions and your budget.

📞 (575) 652-6585
💻 www.distinguishedchoice.com/contact-us

The Medicare Part D late enrollment penalty is one of the most misunderstood rules in all of Medicare, and it is also one of the most expensive mistakes to make.
Unlike a one-time fine, this penalty gets added permanently to your monthly Part D premium for as long as you have Medicare. That means the longer you wait, the more you pay every single month for the rest of your life.

Here are the 3 things Medicare says you need to do to avoid it:
✔ Join a Medicare drug plan when you are first eligible. Even if you are healthy and do not take medications right now, enrolling on time protects you from the penalty down the road.
✔ Never go 63 days or more in a row without Medicare prescription drug coverage or other creditable drug coverage. Creditable coverage means a plan that is at least as good as Medicare's standard drug coverage, such as coverage through an employer or union.
✔ Keep records showing when you had creditable drug coverage and tell your new plan about it. If Medicare questions your coverage history, that documentation is what protects you.

A lot of people assume they can just add drug coverage later when they need it. By then, the penalty has already started adding up.

At Distinguished Choice Insurance Solutions, we make sure New Mexicans understand these rules before they become costly mistakes. Reach out today for a free consultation and let us help you get it right from the start.

📞 Call us at (575) 652-6585 today

Most people on Medicare Part A and B think they're fully covered. Here's what they don't know. 👇 Swipe through.
Parts A and B are a great start, but they were never designed to cover everything. Here's the reality:
➊ Both Part A and Part B have a deductible you pay before coverage even starts.
➋ After that, Medicare covers 80% — you're responsible for the other 20%.
➌ There is NO cap on your 20%. A serious illness could cost you tens of thousands, with no maximum limit.
➍ Neither Part A nor Part B covers prescription drugs, dental, routine vision, or hearing.
The good news? Supplemental Medicare plans are built specifically to close these gaps by capping your costs, adding drug coverage, and including benefits Medicare leaves out.
At Distinguished Choice Insurance Solutions, we help New Mexicans find the right coverage to protect them from exactly these surprises. No jargon. No pressure. Just answers.
📞 Call us today at (575) 652-6585 for a free consultation. Or visit us online! www.distinguishedchoice.com/contact-us

Have you ever wondered: "What happens to my health coverage if I lose my job after turning 65?"

It's one of the most common fears we hear — and one of the biggest Medicare myths out there.

The truth?
Losing employer-sponsored coverage after 65 actually triggers what's called a Special Enrollment Period (SEP). That means you have 8 full months to enroll in Medicare Part B without facing any late enrollment penalties.
No coverage gap. No panic required.

But here's the catch — you need to act within that window and make sure you're enrolling in the right plan for your situation. Missing the deadline or choosing the wrong coverage can still cost you.

That's exactly what Distinguished Choice Insurance Solutions is here for. Whether you're retiring, changing jobs, or facing an unexpected coverage change, we are here to help you navigate Medicare transitions confidently.

📞 Call us at (575) 652-6585 for a free consultation. We'll make sure you don't miss a beat.

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𝗖𝗼𝗻𝘀𝗶𝗱𝗲𝗿 𝗱𝗲𝗹𝗮𝘆𝗶𝗻𝗴 𝗠𝗲𝗱𝗶𝗰𝗮𝗿𝗲 𝗣𝗮𝗿𝘁 𝗕
You may be able to postpone Part B – and delay paying the premium – if you have other creditable coverage.
You might be working past 65 and have employer-sponsored health insurance with an employer that has 20 or more employees, for example. Or maybe you have employer coverage from a spouse’s employer, which allows covered dependents to delay Medicare enrollment. Check with the plan benefits administrator before deciding to postpone your Part B enrollment. You need to confirm that you have creditable coverage, ask for written proof (especially for your drug coverage) to ensure you can qualify for a Special Enrollment Period.

Get professional guidance before you delay!
CALL US TODAY - (575) 652-6585

🔔 Attention New Mexico residents: Are you turning 65 and currently covered through a BeWellnm Marketplace plan?

This is something you need to know. Marketplace plans do not meet Medicare's rules once you become eligible at 65! Staying on your BeWellnm plan after your eligibility ends can result in late enrollment penalties that increase your Medicare premiums for life.

The good news? With the right guidance, the transition from a Marketplace plan to Medicare can be smooth, timely, and stress-free.

At Distinguished Choice Insurance Solutions, we walk you through every step:
✔ Understanding your Medicare enrollment window
✔ Choosing the right Medicare plan for your needs
✔ Timing the transition to avoid any gaps in coverage

Don't wait until it's too late. Reach out to us today for a free, no-pressure consultation. We're here to make turning 65 something to look forward to, not something to stress over.
Call: (575) 652-6585
Or visit us online: www.distinguishedchoice.com/contact-us