A Farmers Union Agency
Turning 65 marks Medicare eligibility, introducing federal health insurance navigate challenges. This guide details the Initial Enrollment Period, the distinction between Original Medicare and Medicare Advantage, and the importance of timely enrollment to avoid penalties. Early research, understanding coverage options, and seeking guidance are essential for a smooth transition to Medicare.
Read moreSeptember 9, 2025
If you’re one of the many Minnesotans enrolled in a Medicare Advantage plan, you may have heard that one of the major Medicare Advantage carriers has announced it will no longer offer these plans in Minnesota starting next year, leaving thousands of beneficiaries wondering: What now? As a licensed Medicare agent in Minnesota, I’m here to walk you through what this means and what you should be doing now to prepare. You do have options—but taking action is key. If you’re impacted, you’ll likely receive an official notice of non-renewal from your insurance carrier this fall—typically in EARLY OCTOBER. What
Read moreSeptember 5, 2025
The Medicare Annual Enrollment Period (AEP) runs from October 15th through December 7th, and it’s one of the most important times of year for Medicare beneficiaries. After helping hundreds of clients navigate Medicare enrollment over my 16 years in the industry, I’ve seen the same costly mistakes repeated year after year. Don’t let these common oversights derail your Medicare coverage for 2026. Here are the five most critical mistakes to avoid this enrollment period—and the essential questions you need to ask before making any changes. Mistake #1: Ignoring Premium Changes The Problem: Many Medicare beneficiaries assume their plan costs will
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