📰 August Newsletter 2025
From The Desk of Michele Wagoner — "Your Little Insurance Lady!"
Medicare & Life Insurance Updates You Need to Know

🌟 What’s New in Medicare – August Highlights

Medicare has been buzzing with change this year, and here’s what you need to know this August:

✅ $2,000 Annual Cap on Part D Prescription Costs

A game-changer! You’ll now never pay more than $2,000 a year out of pocket for covered medications. Plus, you can spread the cost monthly through a new payment plan option.

✅ Telehealth Benefits Extended Through September

Medicare has extended flexible telehealth coverage until September 30, 2025, so you can continue seeing your doctors from the comfort of home—wherever you are!

✅ Expanded Mental & Preventive Health Coverage

Coverage now includes counseling, cardiovascular risk screenings, oral health care for dialysis patients, and more. If you haven't reviewed your plan benefits recently, now is the time!

✅ Medicare Advantage Plans: Use Your Extras!

Plans are now required to remind you mid-year about unused benefits like vision, dental, transportation, and OTC cards. Don't miss out!

⚠️ Heads Up: Rising Part D Premiums Coming in 2026

While 2025 brought relief, premiums are projected to increase next year. Let's chat now to get ahead of the changes!

❤️ Why Life Insurance Matters – Now More Than Ever

Life insurance isn’t just for the elderly—it’s for anyone who wants to protect their loved ones. Here's why it’s one of the smartest investments you can make:

💵 Protects your family financially: Covers funeral costs, debts, and ongoing living expenses.

🏡 Helps pay off a mortgage or protect your home.

• 👶 Provides for your children’s future: education, child care, and stability.

👥 Business continuity: Protect your business or ensure a smooth handover.

🧘 Peace of mind: Know that your loved ones won’t face added stress during a difficult time.

📣 Policies are often more affordable than you think—especially when you're healthy!

Warmly,
Michele Wagoner

Your Little Insurance Lady!
Your Medicare Broker