Medicare Planning Group - Michael Lamb, CFP

05/10/2026

12/04/2025

Original Medicare vs Medicare Advantage. Choose your path.

12/04/2025

What are the core differences between Original Medicare and Medicare Advantage? Watch this short 6 minute explainer video.

12/03/2025

Preparing to apply for your Social Security benefits? Here is a handy cheat sheet on how to create your SSA.gov account.

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08/19/2025

Watch this short video for information on proposed changes to your Medicare costs for 2026.

11/16/2024

Contact me for a no cost, no obligation review of your Medicare Drug Plan or Medicare Advantage Plan for 2025.

10/17/2024

Don’t wait until the last minute! Schedule your Medicare coverage review with me and ensure you have the right plan for your needs.

10/02/2024

🚨 Big Changes Coming to Medicare Part D in 2025! 🚨

Starting in 2025, Medicare Part D is getting a major overhaul to make prescription drugs more affordable and accessible. Here are the key updates:

🍩Elimination of the Coverage Gap (“Donut Hole”) 🍩
No more sudden increases in out-of-pocket costs after reaching the initial coverage limit!

💰$2,000 Out-of-Pocket Maximum 💰
For the first time, there’s an annual cap on out-of-pocket spending for prescription drugs.

🆓$0 Cost Sharing in the Catastrophic Coverage Phase 🆓
Once you hit the $2,000 cap, you won’t pay any additional costs for covered drugs for the rest of the year.

📅Medicare Prescription Payment Plan 📅
Spread out your out-of-pocket costs over the year with capped monthly payments.

💊Manufacturer Discount Program 💊
New discounts on brand-name drugs once you reach the initial coverage limit.

📉📈Lower Premiums and Higher Deductibles 📉📈
Expect lower monthly premiums but higher upfront costs before coverage kicks in.

What This Means for You:

- Financial Relief: Significant savings for those with high drug costs.
- Predictable Costs: Easier to manage your expenses throughout the year.
- Increased Access: More affordable and accessible prescription drugs.

📝 Tip: Review your plan options carefully during open enrollment to choose the best plan for your needs!

Stay informed and share this post to help others understand these important changes! 💬📢

10/02/2024

🌟 **Turning 65 and Still Working? Here’s What You Need to Know About Medicare!** 🌟

🎉 Turning 65 is a big milestone, and if you’re planning to continue working, navigating Medicare can seem complex. Here’s a quick guide to help you make informed decisions about your healthcare coverage:

🔹 **Medicare Basics**:
- **Part A**: Hospital Insurance 🏥
- **Part B**: Medical Insurance 💉
- **Part C**: Medicare Advantage Plans 🌟
- **Part D**: Prescription Drug Coverage 💊

🔹 **Key Considerations**:
1. **Employer-Sponsored Health Insurance**:
- **Small Employers (

09/18/2024

Attention!! Big Changes coming! Watch your mailbox for your Annual Notice of Change related to your Medicare Advantage or Part D Drug Plan. Call if you would like help in reviewing.