Your Health Insurance Advocates LLC 863-588-1615 a non-government entity

  • Home
  • Welcome
    • About Us
    • Our Mission
    • TESTIMONIALS
    • Webinars
    • Healthcare Needs Map
    • Schedule Appointment
    • Blog
    • Our YouTube Channel
    • News Letters
  • MEDICARE
    • Medicare 101 Videos
    • Medicare Costs
    • Medicare Direction
    • Enroll in MEDICARE
    • Medicare DOESN'T Cover
    • PARTS OF MEDICARE (ABCD)
    • Part D - Prescription
    • Medicare Supplements
    • Medicare Advantage
    • Helping Veterans
    • Quotes for Medicare
    • Medicare READY?
    • Meet IRMAA
    • HSAs with Medicare
    • Inflation Reduction ACT
    • Med Sup vs. MedAdv
    • Wellness & Physical Exams
    • Extra HELP
    • Penalties/Appeals
    • Medicare Renewals ANOC
    • Medicaid
    • Home Health Care
    • Cancer Strikes
    • Help / Gov Sites
    • Senior Websites
    • WellBe Health Asst
    • LINKS
    • AARP Membership
    • Away from USA
    • Surgery
    • Long Term Care
  • U65 & Ancillary Plans
    • Ind/Fam Plans U65
    • Group Census Info
    • Quotes
    • Dental & Vision
    • Accident
    • Critical Illness
    • Disability
    • Final Expense
    • Funeral Planning
    • Hospital Indemnity Plans
    • Pet Insurance
    • Travel Insurance Policies
  • EMPLOYER GROUPS
    • Employer NJ forms
    • New Employer Plans
    • ICHRA's for Employers
  • Disability
    • Disability
  • Social Security
    • When Does It Start
  • TAXES
    • One Big Beautiful Bill
  • RETIREMENT
    • SAFE Money
    • Annuities
    • Get Ready for Retirement
    • Teachers
    • Life Insurance
    • Life Insurance_2
    • Gift of Life
    • IRA's
    • IUL Life Insurance
    • Financial Calculators
  • ValuTeachers
    • Find Out More
    • Career with ValuTeachers
    • Ready and sign up
  • Mentor Broker Program
    • BROKERS Back office
    • Medicare Mentor Program
  • CRM Technology
  • About
  • More
    • Home
    • Welcome
      • About Us
      • Our Mission
      • TESTIMONIALS
      • Webinars
      • Healthcare Needs Map
      • Schedule Appointment
      • Blog
      • Our YouTube Channel
      • News Letters
    • MEDICARE
      • Medicare 101 Videos
      • Medicare Costs
      • Medicare Direction
      • Enroll in MEDICARE
      • Medicare DOESN'T Cover
      • PARTS OF MEDICARE (ABCD)
      • Part D - Prescription
      • Medicare Supplements
      • Medicare Advantage
      • Helping Veterans
      • Quotes for Medicare
      • Medicare READY?
      • Meet IRMAA
      • HSAs with Medicare
      • Inflation Reduction ACT
      • Med Sup vs. MedAdv
      • Wellness & Physical Exams
      • Extra HELP
      • Penalties/Appeals
      • Medicare Renewals ANOC
      • Medicaid
      • Home Health Care
      • Cancer Strikes
      • Help / Gov Sites
      • Senior Websites
      • WellBe Health Asst
      • LINKS
      • AARP Membership
      • Away from USA
      • Surgery
      • Long Term Care
    • U65 & Ancillary Plans
      • Ind/Fam Plans U65
      • Group Census Info
      • Quotes
      • Dental & Vision
      • Accident
      • Critical Illness
      • Disability
      • Final Expense
      • Funeral Planning
      • Hospital Indemnity Plans
      • Pet Insurance
      • Travel Insurance Policies
    • EMPLOYER GROUPS
      • Employer NJ forms
      • New Employer Plans
      • ICHRA's for Employers
    • Disability
      • Disability
    • Social Security
      • When Does It Start
    • TAXES
      • One Big Beautiful Bill
    • RETIREMENT
      • SAFE Money
      • Annuities
      • Get Ready for Retirement
      • Teachers
      • Life Insurance
      • Life Insurance_2
      • Gift of Life
      • IRA's
      • IUL Life Insurance
      • Financial Calculators
    • ValuTeachers
      • Find Out More
      • Career with ValuTeachers
      • Ready and sign up
    • Mentor Broker Program
      • BROKERS Back office
      • Medicare Mentor Program
    • CRM Technology
    • About
  • Home
  • Welcome
    • About Us
    • Our Mission
    • TESTIMONIALS
    • Webinars
    • Healthcare Needs Map
    • Schedule Appointment
    • Blog
    • Our YouTube Channel
    • News Letters
  • MEDICARE
    • Medicare 101 Videos
    • Medicare Costs
    • Medicare Direction
    • Enroll in MEDICARE
    • Medicare DOESN'T Cover
    • PARTS OF MEDICARE (ABCD)
    • Part D - Prescription
    • Medicare Supplements
    • Medicare Advantage
    • Helping Veterans
    • Quotes for Medicare
    • Medicare READY?
    • Meet IRMAA
    • HSAs with Medicare
    • Inflation Reduction ACT
    • Med Sup vs. MedAdv
    • Wellness & Physical Exams
    • Extra HELP
    • Penalties/Appeals
    • Medicare Renewals ANOC
    • Medicaid
    • Home Health Care
    • Cancer Strikes
    • Help / Gov Sites
    • Senior Websites
    • WellBe Health Asst
    • LINKS
    • AARP Membership
    • Away from USA
    • Surgery
    • Long Term Care
  • U65 & Ancillary Plans
    • Ind/Fam Plans U65
    • Group Census Info
    • Quotes
    • Dental & Vision
    • Accident
    • Critical Illness
    • Disability
    • Final Expense
    • Funeral Planning
    • Hospital Indemnity Plans
    • Pet Insurance
    • Travel Insurance Policies
  • EMPLOYER GROUPS
    • Employer NJ forms
    • New Employer Plans
    • ICHRA's for Employers
  • Disability
    • Disability
  • Social Security
    • When Does It Start
  • TAXES
    • One Big Beautiful Bill
  • RETIREMENT
    • SAFE Money
    • Annuities
    • Get Ready for Retirement
    • Teachers
    • Life Insurance
    • Life Insurance_2
    • Gift of Life
    • IRA's
    • IUL Life Insurance
    • Financial Calculators
  • ValuTeachers
    • Find Out More
    • Career with ValuTeachers
    • Ready and sign up
  • Mentor Broker Program
    • BROKERS Back office
    • Medicare Mentor Program
  • CRM Technology
  • About

instructions - enrollments for rx plans

REMEMBER TO DO THIS EVERY YEAR DURING 10/15 TO 12/7

2026 Medicare Part D Plans WE CAN NO LONGER DO ENROLLMENTS (docx)Download

Part D(PDP): YOU MUST DO THIS EVERY YEAR

Between 10/15 to 12/7 

DO YOUR HOMEWORK

You MUST Create a www.Medicare.gov Account 


Instructions: Listen to below video


NOTE:  Every year the Rx Companies WILL change their premiums, Tier Level Coverage, add or remove drugs from their formulary list.  Do not assume just because the plan worked for you last year that it will in the new year as that WILL NOT HAPPEN  


2026 Medicare Part D prescription drug coverage is very similar to 2025, but with a new twist:

10 high cost drugs have been negotiated down in price by Medicare. These include:

  • Eliquis
  • Xarelto
  • Jardiance
  • Januvia
  • Enbrel
  • Entresto
  • Farxiga
  • Stelara
  • Imbruvica
  • Fiasp and Novolog

This means  you should see lower overall costs for these medications in 2026.  

There will be a cap on your prescription costs ($2,100).

Get a Quote for your Rx's

We know this will be a CRAZY time for all, but rest assured with our 30+ years in the industry, we've got you covered and we are your TRUSTED partner.



rx plans

HOW RX PLANS WORK -2026

2026 Max Deductible that can be charged is $615

Why you might want to use mark cuban's mail-order drug plan

To save you significant money on your drugs rather than putting it through your insurance which could charge you much more 


LOOK up your Drug:  https://www.costplusdrugs.com/medications/


 SIGN UP: https://www.costplusdrugs.com/create-account/ 


Notify your Doctor, download the electronic form for him/her.  https://www.costplusdrugs.com/contact-your-doctor/


Why Cost Plus Drugs (Transparency):  https://www.youtube.com/watch?v=RT46ThdJYjY


Interview with Jon Stewart   https://www.youtube.com/watch?v=ayhRmnFlSkE

Why you should use goodrX AT CERTAIN TIMES

Download the GoodRx app on your phone from the App Store or Google Play Store

Rx Savings Card **not insurance**

WWW.GOODRX.COM

GET YOUR FREE DISCOUNT CARD AND SAVE UP TO 80% ON YOUR rxS Search for prescription and find the lowest price at a pharmacy near you 

Find out more

New m3p payment plan

MEDICARE EXPLAINS THE PPP

To set up a Medicare Prescription Payment Plan (PPP) for 2026, you must contact your Part D plan directly by phone, online, or by mail. You can enroll at any time, but the best time is before or at the beginning of the plan year, which is January 1, 2026, so you can have the full year to spread out your payments. Since you can enroll anytime in 2025 for 2026, it's best to contact your plan now.  

Things to think about when you Compare medicare Rx coverage

Find out more

UNDERSTANDING PART D PLANS

How Part D works

Why are Drugs so high in Price

Underestanding the inflation reduction act

2 stages that you go through, this is why you will pay different costs at different times


 Different Stages of Coverage

  • Annual Deductible $615(2026)
  • OOP Threshold $2100 (2026)


be medicare smart

It is optional, BUT if you don't enroll, expect a Penalty.   1% of the "national base beneficiary premium" ($38.99  in 2026) times the number of full, uncovered months you didn't have Part D or creditable coverage 


 

weight loss

Get a Quick QUOTE

Even though you have a Rx Plan, you might have to be a SMART shopper and use an alternative method.  There are alternative ways to save on medication:  



www.GoodRx.com  


 www.wellrx.com  


 www.BlinkHealth.com   


www.rxsaver.com

Weight Loss Drugs

WEIGHT LOSS MEDICATIONS UNDER MEDICARE

We would like to address the inquiries we’ve received regarding the coverage and accessibility of certain medications such as Ozempic and Wegovy (Semaglutide), Saxenda and Victoza (Liraglutide), and Zepbound and Mounjaro (Tirzepatide).

Unfortunately, Medicare does not currently cover these medications for weight loss. These medications are only approved under Medicare for the treatment of diabetes, and their use requires prior authorization.


Understanding Prior Authorization for Diabetes Treatment
If you are prescribed these medications for diabetes, the process includes:

  1. Your doctor writes the prescription.
  2. Your doctor submitting clinical notes and a prior authorization request to your insurance company.
  3. Approval of the prior authorization by the insurance company, which then allows the pharmacy to dispense the medication.

To reduce potential delays, you may wish to discuss with your doctor the possibility of initiating the prior authorization process before submitting your prescription to the pharmacy.  What doctor’s wish patients knew


Alternative Options
While Medicare does not cover these medications for weight loss, we understand that many individuals are seeking alternatives. Some of our clients have shared information about vendors that provide alternative options. Please note, however, that we are not endorsing or recommending these options. We are simply passing along this information for your consideration.


Best Weight Loss Medications Of 2025

(click on this link above for 9 different options or below)

If you have further questions or need assistance, please don’t hesitate to reach out to us.

Find out more

Know the Nuances

Know the Nuances

Know the Nuances

 Everyone is eligible for Medicare at 65,  but because people going onto Medicare are usually coming off of an Employer's plan and sometimes even keeping that other insurance—it can be complicated. Knowing the nuances will help you   


See Page 6 & 12  in the Who Pays First Booklet by clicking on the buttom below


Find out more

Home Health Care

Know the Nuances

Know the Nuances

Did you put off obtaining a LTC Policy or just can’t afford it?

NOW YOU CAN DELAY OR AVOID Going into a Nursing Home and Stay at Home with Home Care .


National Average Cost of LTC

NJ = $70k/year approx.

 http://www.altcp.org/long-term-care/long-term-care-cost/ 


A Failure to Plan is a Plan to Fail

LEARN MORE

Medicare Part D

Important Reasons why to join once you're 65.

Learn more

Part D

Find your personalized Plan

Part D

Different Plans Available

Part D

Understanding the Formulary, Premiums, Coverage Gaps, Copays, Coinsurance, etc

Your Health Insurance Advocates

863-588-1615

Copyright © 2025 Your Health Insurance Advocates, LLC - All Rights Reserved 

Powered by

Cookie Policy

This website uses cookies. By continuing to use this site, you accept our use of cookies.

DeclineAccept & Close

See where we Shine

Learn more