Sixteen videos.One pass to review them.

That envelope from your Medicare plan has been on the counter for two weeks. ✉️

When you open it, look for three things.Your doctors.Your prescriptions.And what you pay when you actually use the plan.

For 2027, a lot of plans changed what members pay when they use them.The name on the plan can stay the same while that changes.

Then the envelope goes in the drawer, and you know what's in it.

Plus the disclaimer block, pending your answer to Q1 and Q2.

Four calls this week from numbers you didn't know. 📞

You can't tell who's real by how friendly they sound.Get a name. Look them up.Then decide if you want to talk.

That goes for us too.Health Plan Markets. A+ with the Better Business Bureau, serving over 80,000 members since 2013.

You still make the call.

Plus the disclaimer block, pending your answer to Q1 and Q2.

It took years to find a doctor who actually listens. 🩺

For 2027, some plans are leaving whole counties.So start with what you can't lose, not with the plan.

Write it down tonight.Each doctor.Each medicine, and the dose.

That list is the test every plan has to pass.So your next appointment is just an appointment.

Plus the disclaimer block, pending your answer to Q1 and Q2.

You served, and for years the VA has been your care. 🇺🇸

A lot of veterans hear that Part B can wait. It's an easy thing to believe.For Part B, it can't.

VA health care doesn't count as coverage that lets you put off Part B, and signing up late can mean a penalty.

Before you assume, check how your VA care and Medicare fit together.

So a quiet mistake today doesn't follow you for years.

Plus the disclaimer block, pending your answer to Q1 and Q2.

You came over to help your mom with the letter from her plan. ☕

She put on her glasses and said, go ahead. Ask me.So you asked if anything changed this year.

She'd already circled it last Tuesday, in pen, before you even got there.

She didn't need you to handle it. She wanted someone to sit with her while she did.

She's made her own decisions her whole life. This one is still hers.

Plus the disclaimer block, pending your answer to Q1 and Q2.

When the man came to fix your roof, you asked how long he'd been in business. 🏠

You asked where his office was, and you looked him up before he ever touched a ladder.

That wasn't being difficult. That was being careful.

Anyone who calls you about Medicare should get the same questions. Including us.So here are our answers: Health Plan Markets has been in business since 2013, our office is in Orlando, and we're A+ with the Better Business Bureau.

Go ahead and check. We'll wait.

Plus the disclaimer block, pending your answer to Q1 and Q2.

Your mom sees the folder in your hand before you even sit down. 📁

She asks if you're checking up on her, or checking in.You tell her the truth. Both. Always both.

So you don't start by telling her anything. You ask what she wants to keep: her doctors, her medicines, the people she already trusts.

She still decides. She just gets company while she does.

Plus the disclaimer block, pending your answer to Q1 and Q2.

Every fall, the calls and the mail come fast. Everything sounds urgent, like you're already late. 📅

Here's the actual calendar: enrollment runs October 15 to December 7, which is weeks, not days.

That's time to open the letter, time to ask your questions, and time to sleep on it.

Nobody gets to rush you. Not even us.

Plus the disclaimer block, pending your answer to Q1 and Q2.

Your phone rang four times this week from numbers you didn't know. 📞

Every one of them sounded friendly, but friendly isn't something you can check. A name is.

You already know the move: ask for a name, hang up, and look it up yourself.

That goes for us too. Health Plan Markets. Look us up first.

Take your time. The answers will still be here.

Plus the disclaimer block, pending your answer to Q1 and Q2.

Every kitchen has a drawer like this one. 🗝️

Rubber bands, a battery that might still work, and reading glasses, but never the pair you need.

And somewhere near the back, the letter your plan sent in the fall, which looks like everything else in the mail and is easy to set aside.

When you're ready, read it with your coffee, or with someone you trust.

Then it goes back in the drawer, and you know what's in it.

Plus the disclaimer block, pending your answer to Q1 and Q2.

The phone rings, and someone says they're calling about your Medicare. 📞

Here's what to know: Medicare will never call you to sell you anything. And plans and agents generally can't cold call you, or show up at your door without an appointment.

If someone you don't know asks for your Medicare number, hang up. Then call 1-800-MEDICARE (1-800-633-4227) yourself. TTY 1-877-486-2048. They answer any time of day, including weekends.

Your number is yours. So is the choice to hang up.

Plus the disclaimer block, pending your answer to Q1 and Q2.

Every fall, your plan has to send you a letter called the Annual Notice of Change. ✉️

It should have arrived by September 30. Can't find it? Call the number on your plan card and ask for another copy.

It's your plan telling you, in writing, what's different next year, because plans can change their costs and coverage every year, even when the name stays the same.

So find it, and look for three things: your doctors, your medicines, and what's changing.

One cup of coffee with that letter, and next year stops being a guess.

Plus the disclaimer block, pending your answer to Q1 and Q2.

You've probably got December 7th circled already. 📅

That's the end of Medicare Open Enrollment, which runs October 15 to December 7.

But there's another date to circle: March 31. If you're in a Medicare Advantage plan, from January 1 to March 31 you get one change. You can switch to another Advantage plan, or go back to Original Medicare.

So a surprise in January doesn't have to last all year.

Plus the disclaimer block, pending your answer to Q1 and Q2.

Not every bit of Medicare help comes with a sales pitch. 🤝

Florida has a free counseling program called SHINE: one on one, unbiased, no cost. Search for SHINE Florida.

And Medicare's own Plan Finder, at Medicare.gov, lets you compare the plans in your area.

Use them. Even if you never call us.

Plus the disclaimer block, pending your answer to Q1 and Q2.

There's one Medicare rule to know before you skip anything. ☎️

If you could have had Part B and waited, you may pay an extra 10% for every full 12 months you waited, and usually for as long as you have Part B.

There are real exceptions. If you or your spouse are still working, with job-based coverage, you may be able to wait. So before you skip it, ask your benefits office one question: does my coverage let me wait on Part B?

One question now, and no surprise later.

Plus the disclaimer block, pending your answer to Q1 and Q2.

Your mom turns 65 in March, and the Medicare mail has already started. 📬

Here's what helps: her first sign-up window is seven months long. It covers the three months before her birthday month, the birthday month itself, and the three months after.

Put all seven on her calendar, and none of them sneak up on her.

Then her birthday is just a birthday.

Plus the disclaimer block, pending your answer to Q1 and Q2.