Elliot Monsod Insurance Broker

People who are on Medicare Advantage (Part C) or Part D prescription drug plans will be soon be receiving the Annual Notice of Change from your insurance carrier for 2027. If you want an annual review to make sure you are on the right plan for 2027, book a phone meeting with me. The Annual Enrollment starts October 15th - December 7th.

meetings.hubspot.com

Happy Forth of July!
250 years old!!!!

United Healthcare and BayCare Health have reached an agreement.

Network Negotiations with BayCare Details surrounding the network negotiations with BayCare in Florida.

Have a safe and memorable Memorial Day weekend.

How to stay healthy...

How to stay fit and get healthy Gosia G. Wamil, MD, PhD, a consultant cardiologist at Mayo Clinic Healthcare in London, shares her top tips on how to stay fit and get healthy.

Have a Healthy and Joyful New Year 2026!

Merry Christmas and Holiday Season!

Happy Thanksgiving Everybody!!!

The 2026 Social Security cost-of-living adjustment (COLA) is 2.8%, effective in January 2026. This means the average monthly retirement benefit will increase by about $56, rising from $2,015 to $2,071.

The increase also applies to other Social Security and Supplemental Security Income (SSI) benefits.

Key details
COLA: 2.8%
Effective date: January 2026 for most Social Security beneficiaries; December 31, 2025, for SSI recipients

Average retirement benefit increase: About $56 per month ($2,015 to $2,071)

Calculation: Based on the year-over-year increase in the Consumer Price Index for Urban Wage Earners and Clerical Workers (CPI-W) during the third quarter of 2025

Other benefits: The COLA also applies to survivor benefits, disability benefits, and SSI payments

For more information:
https://www.ssa.gov/news/en/cola/factsheets/2026.html

The standard Medicare Part B premium for 2026 is $202.90 per month, an increase of $17.90 from the 2025 premium.

The annual deductible for Part B will be $283 for 2026, up from $257 in 2025. Higher-income earners will pay an additional Income-Related Monthly Adjustment Amount (IRMAA) on top of the standard premium.

Standard Premium: The standard monthly premium is $202.90.

Annual Deductible: The annual deductible you pay before Medicare starts to pay 80% of approved services is $283.

Income-Related Adjustments (IRMAA): If your income is above a certain threshold (based on your 2024 modified adjusted gross income), you will pay an additional monthly surcharge.

Reasons for Increase: The premium increase is attributed to rising healthcare costs, higher service utilization, and inflation in medical pricing.

For more information:

2026 Medicare Parts A & B Premiums and Deductibles | CMS 2026 Medicare Parts A & B Premiums and Deductibles2026 Medicare Part D Income-Related Monthly Adjustment AmountsOn November 14, 2025, the Centers for Medicare & Medicaid Services (CMS) released the 2026 premiums, deductibles, and coinsurance amounts for the Medicare Part A and Part B programs, and t...