Heiress Solutions

Heiress Solutions Heiress Solutions helps Retirees, Small Business Owners, & Individuals
Specializing in
✔Medicare
✔Business Insurance
Life Insurance

10/07/2026

Don’t Just Renew Review

Prescription drugs: Whether your medications moved to a different drug tier, have new restrictions, or remain on the formulary

Extra benefits: Updates to vision, dental, hearing, or over-the-counter allowances

10/06/2026

Have You Received Your Annual Notice of Change?? Don’t throw it in the junk drawer. Read it! Some Medicare plans have discontinued and permanently end after 2026.

The Annual Notice of Change (ANOC) is a vital document sent by your Medicare Advantage or Part D prescription drug plan each fall detailing modifications for the upcoming year.

09/29/2026

Three questions to ask before changing Medicare plans

💙 • Provider check: Confirm your primary care doctor and specialists accept the new plan.
• Facility access: Verify your preferred local hospital or clinic is covered
💙 • Formulary review: Check the plan's drug list to ensure your exact medications are listed.
• Cost tiers: Look at the copay tier, deductibles, and monthly premiums for your prescriptions
💙 • Premium vs. use: Compare monthly premiums against expected copays, coinsurance, and deductibles.
• Maximum cap: Note the annual out-of-pocket maximum limit for medical expenses

09/28/2026

WHY IT PAYS TO PLAN NOT PANIC

Changes: Insurance companies can change their premiums, deductibles, copays, and drug formularies every year. What worked perfectly for you this year might cost more or cover less next year.
Health Changes: Your personal health needs fluctuate. AEP is your chance to adapt your coverage if you have been diagnosed with a new condition or prescribed a new medication.
New Options: New plans frequently enter the market, potentially offering better rates or extra benefits (like dental, vision, or hearing coverage) that weren't available when you last looked

09/24/2026

Your Pharmacy Matters Too!

💙Filling a prescription at a preferred cost-sharing pharmacy yields much lower copays than using a standard network pharmacy, even though both are technically "in-network

💙Your pharmacist can cross-reference your specific medications with your plan's formulary tiers to recommend generic or therapeutic substitutes that lower your expenses

💙Medicare Part D features a $2,000 annual out-of-pocket cap on covered drugs. However, this cap only applies to medications purchased at in-network pharmacies. Your pharmacist ensures you stay within network limits so your spending actually counts toward this safety net

09/23/2026

Your Doctors Matter When Reviewing Coverage.

🔎 Check Online Portals: Search your insurance provider’s official directory for your doctor's name.📞 Call the Office: Ask the front desk staff directly if they accept your specific plan.
📄 Review the SBC: Request the Summary of Benefits and Coverage to see specific visit copays.
⚠️ Confirm Referrals: Find out if you need primary care approval to see specialists

09/22/2026

Your medications matter when reviewing coverage.
Checking your prescriptions before choosing an insurance plan helps prevent unexpected costs and ensures your regular drugs are covered

09/21/2026

Don’t choose a Medicare plan based on a single attractive perk like gym memberships, dental allowances, or over-the-counter credits.Evaluating a plan requires looking at your total health needs, provider networks, and complete out-of-pocket costs rather than getting swayed by flashy marketing. Comment Medicare for help

09/18/2026

October 15 is coming. Have you started thinking about your Medicare review ?

📌Steps to Prepare

🔵Read your Annual Notice of Change letter.
🔵Check if your doctors stay in-network.
🔵Review your prescription drug coverage.
🔵Compare total costs, not just premiums

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Indianapolis, IN
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