Corbella Insurance

Thinking about buying a Medigap plan later? There’s a catch many people don’t find out until it’s too late. ⚠️

After your Medigap Open Enrollment Period, insurance companies can require medical underwriting — meaning you could be denied coverage or charged more based on your health. That’s why timing matters. Knowing when you’re eligible, what rules apply in your state, and which plans protect you long-term can save you stress, money, and surprises down the road.

If you’re approaching Medicare, already enrolled, or wondering when to add Medigap, I can help you understand your options and avoid costly mistakes.

📩 Message me for a free, no-pressure consultation — and get the clarity you deserve.

A new year can mean new costs, new drug tiers, and even new formularies — which is why reviewing your Medicare drug plan is so important.
Many people stick with last year’s plan, only to find out too late that their prescriptions are no longer covered the same way. Copays change, preferred pharmacies shift, and some medications may require prior authorization.
A quick review can save you money, prevent surprises at the pharmacy, and ensure your coverage still fits your needs.
👉 Let’s double-check your plan together so you start the year with confidence and the right coverage.

Many Medicare Advantage plans advertise “free” dental, vision, and hearing benefits — but what’s actually included can vary more than you think.
Before you count on these extras, it’s important to understand what’s covered, what isn’t, and how much you may still pay out of pocket.

Here are a few key things to know:
🦷 Dental benefits often come with annual limits or specific covered procedures
👓 Vision allowances may only apply to certain providers or frame options
👂 Hearing benefits might cover the exam — but not the full cost of hearing aids
📄 Some extras require prior authorization or plan-specific networks
💲 “Free” doesn’t always mean no cost — it may depend on the service

✨ A Medicare Advantage plan can offer great value, but only if you understand the details behind those added benefits.
If you’d like help reviewing what your plan truly covers, I’m here to break it down and make sure you’re getting the benefits you need.

Many people don’t realize that their income can directly change what they pay for Medicare — and IRMAA is the reason why.
The Income-Related Monthly Adjustment Amount (IRMAA) is an extra charge added to your Part B and Part D premiums if your income is above certain thresholds. This means your retirement income, investments, and even tax filing decisions can impact your costs.
Understanding how IRMAA works can help you plan ahead, avoid surprises, and possibly reduce what you pay. I’m here to walk you through your options and help you make informed decisions before enrollment.
✔️ Clear IRMAA guidance
✔️ Personalized Medicare planning
✔️ Support through every step
DM me to review your situation and explore ways to manage your Medicare costs.