Upper Cumberland Life & Health

10/26/2026

Medicare has four parts. Most people can name maybe two.

$202.90 — that’s the standard Part B premium in 2026. But what does it get you?

Here’s the plain-English version:

• Part A covers hospital stays. Most people get it premium-free if they worked 10 years.
• Part B covers doctor visits and outpatient care. You pay that $202.90 monthly premium.
• Part C is Medicare Advantage — private plans that bundle A and B, and usually Part D. 51.1% of Medicare enrollees are in these plans.
• Part D covers prescription drugs. There’s a $2,100 cap on out-of-pocket drug costs this year.

That’s the whole alphabet. Medicare doesn’t have to feel like a foreign language. We make it easier to understand!

10/21/2026

Got a letter saying your Medicare Advantage plan won't be around next year? You're not alone. Roughly 600,000 Humana members are in the same spot, and enrollment season is already ticking. The good news is you still have options, whether that's another MA plan or switching to Original Medicare with a Supplement. But the window to compare them carefully is shorter than it looks. Don't wait.

Here's what's happening and what to do about it:
https://www.uclifeandhealth.com/when-your-medicare-advantage-plan-disappears-mid-enrollment/?utm_source=facebook&utm_medium=social&utm_campaign=article

When Your Medicare Advantage Plan Disappears Mid-Enrollment If you’re one of the roughly 600,000 people whose Humana Medicare Advantage plan just got a non-renewal notice, you’re not imagining the chaos. You’re living through one of the more consequential shifts in this industry right now, and...

10/20/2026

Please note our schedule changes for the 2027 Medicare Enrollment Period. As always, please reach out if you have any questions or concerns.

10/18/2026

Want to check your Medicare plan options? We can help you understand what plans are available in your area. Talk to us one-on-one at the Smithville Walmart, no appointment needed!

Walmart Retail Location
515 West Broad Street
Smithville, TN 37166

Scotty Lewis
Upper Cumberland Life & Health
Licensed Sales Agent
931-316-1182

10/15/2026

Heading into your Medicare review? Here's what to have in hand.

Four things make the whole appointment run smoothly.

Your list of doctors, so we can check who's in network for the plans you're considering.

Your list of medications, so we can see what you'd actually pay for them next year.

Your Medicare card, so we can pull up your information.

Your preferred pharmacy & any notices you have received.

That's all you need. We take care of everything else.

Open enrollment runs through December 7, and appointments are filling up. Call or message our office to get on the calendar!

10/15/2026

Today, October 15th, is the first day of the Medicare Annual Enrollment Period (AEP), and it runs through December 7th.

Think of it as a yearly check-up for your coverage. Plans change what they cost and what they cover every year, and your health needs change too. A quick review now can save you real money and a lot of frustration down the road.

Please get on our schedule and let us take a look at your plan with you. If you're new to Medicare, we'd love to sit down together and walk you through it, at your pace and without the confusing jargon. We're really good at it, and we truly enjoy it.

Call or message us today. Our schedule fills up quickly!

10/07/2026

🎄 Friendly reminder - 2026 Angel Tree applications are now open! 🎄

Upper Cumberland Life and Health is now accepting applications for our 2026 Angel Tree.

📅 Applications due: November 1st
📋 Application reviews completed by: November 5th

If you would like to be considered for our 2026 Angel Tree, please submit your application by the deadline. Spots for our tree are limited & fill quickly so get your application in soon!

❤️ We look forward to helping brighten the holidays for families in our community ❤️

10/06/2026

If you're on a Medicare Advantage plan, don't assume everything stays the same in 2027. Some plans are leaving certain areas, and even plans that stick around can change out-of-pocket costs, networks, or drug coverage. Your Annual Notice of Change is the place to start. We put together a plain-English walkthrough of what's happening and what to do before December 7.

10/06/2026

Medicare costs are shifting again for 2027, and a couple of the changes could catch you off guard if you're not paying attention. Part B premiums, the Part D deductible, and the out-of-pocket cap are all going up. Your plan's drug list and network could look different too, even if you don't switch a thing. We break it all down so you can plan ahead before open enrollment closes December 7.