SHINE Insurance Group

Head to toe, we’ve got you covered! Our Advantage plans come with great perks like prescription drug coverage, comprehensive dental care and vision benefits. It’s care that goes beyond the basics to help you live healthier every day. 🧡 Learn more: https://ow.ly/nTe650X5Soo.

Open enrollment is fast approaching - I'd love to help you in your journey through Medicare.

🔜 Let's talk and see if a switch is right for YOU!
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🔸️1️⃣- Always Confidential
🔸️2️⃣- Never Any Cost!
🔸️3️⃣- Completely Service Oriented
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☎️Call 248-854-7189☎️
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Let's do this!❤

It's that time of year!

📢~ MEDICARE OPEN ENROLLMENT ~📢

🎾Is your plan still serving you?

❓️Do you have questions about any changes for 2026?

💊🩹🩼Have you had any health changes, New doctors, new medications?

🚫Are you sure your plan didn't get dropped for 2026?

🕰Let's schedule a review, to make sure you're in the best plan for your specific needs.

📞CALL/TEXT
248-854-7189

My services are always at no cost to you!
CALL TODAY!☆

🧾 Why Your Late Enrollment Penalty (LEP) May Be Going Up 💊

If you're enrolled in a Medicare Prescription Drug Plan (PDP) and already paying a Late Enrollment Penalty, you might notice your penalty amount has increased this year.

💡 Here’s why:
The LEP is recalculated annually based on the national base premium set by Medicare—which just went up for 2025. That means your monthly penalty, which is a percentage of that base amount, also increases.

✅ Quick reminder:
The LEP is charged to those who didn’t enroll in a Part D plan when first eligible and went without creditable prescription coverage for 63+ days.

👉 If you're confused about your LEP or think you were charged incorrectly, I’m happy to review it with you one-on-one.

📲 Message me anytime or call 248-854-7189!
Helping you understand your Medicare costs is what I’m here for.



https://q1medicare.com/news/Article.php?article=2025-part-d-late-enrollment-penalty-rate-increases&article_id=1042&category_id=11&fbclid=IwY2xjawK2QZZleHRuA2FlbQIxMQABHh4o75toP4LWyeyCZ-TLV2T5hSiKYElXZNGydrs9fzagBIEkM8MAHIrlL4ZE_aem_xgQM2iQIXPX5nkTV-lURxw