Patricia Luscombe Zapf, licensed sales agent

Patricia Luscombe Zapf, licensed sales agent Health & prescription plans for those age 65 +++ I am an independent licensed insurance sales broker/agent, helping people ages 65 plus the last 20 years.

I am currently appointed to sell Humana, UnitedHealthcare, Aetna, and Wellcare plans.

Happy fall! The Grand Mesa’s Aspen trees were spectacular this weekend! Next weekend should be over the top sensational!
09/29/2025

Happy fall! The Grand Mesa’s Aspen trees were spectacular this weekend! Next weekend should be over the top sensational!

Want to get money back into your pocket?With a Medicare plan that includes the Part B Giveback Benefit, you could get mo...
09/19/2025

Want to get money back into your pocket?
With a Medicare plan that includes the Part B Giveback Benefit, you
could get money back each month. It works in one of two ways: by
returning part of your Part B premium through a credit to your Social
Security check, or by reducing the monthly premium you pay directly
to Medicare—that means more money in your pocket.

To learn more about Medicare Advantage plans with the Part B
Giveback Benefit, reach out to your licensed Humana sales agent
970-707-5522
pzapf2@gmail.com
www.pattizapf.com
5419109

The Part B Giveback Benefit pays part or all of your Part B premium and the amount may change based on the amount you pay .for Part B.

Turning 65 or new to Medicare?You can't sign up for Medicare yet, but you can start getting ready now. Here's a helpful ...
09/18/2025

Turning 65 or new to Medicare?
You can't sign up for Medicare yet, but you can start getting ready now. Here's a helpful to-do list to begin your journey:

6-9 months before your 65th birthday:
- Be sure to set a retirement date
- Avoid potential penalties by enrolling before you stop working
- Determine what your out-of-pocket costs might be
- See if you qualify for premium-free Part A
- Find out if financial assistance is available and apply



Call your licensed sales agent
(TTY: 711)
pzapf2@gmail.com
www.pattizapf.com

Turning 65 or new to Medicare?If you have a Medicare Supplement insurance plan but would like your medical and prescript...
09/17/2025

Turning 65 or new to Medicare?

If you have a Medicare Supplement insurance plan but would like your medical and prescription drug coverage rolled into one, a Medicare Advantage prescription drug (MAPD) plan may be right for you.

An MAPD plan is a separate Medicare Advantage plan that combines what you get from Original Medicare and supplemental plans—and replaces them with one Medicare Advantage plan. This plan comes with prescription drug coverage in addition to a variety of other benefits, such as:

• $0 or low monthly plan premiums*
• Protection against unexpected expenses with an out‑of‑pocket maximum
• $0 copays on hundreds of prescriptions†
• $0 copays for in-network preventive services like annual wellness visits, mammograms, and prostate exams

Plus, you can get a trial period for the first 12 months. And if you’re trying a Medicare Advantage plan for the first time, and you’ve been in the plan less than a year, you can switch back to a Medicare Supplement plan.‡


Call your licensed sales agent
Patti Zapf
970-707-5522 (TTY: 711)
1547109
pzapf2@gmail.com
www.pattizapf.com

*$0 premium Humana Medicare Advantage/Medicare Advantage prescription drug plans are not available in every service area. †Prescription drug coverage can vary across plans. $0 copay may be limited to specific tiers, coverage stages, 3-month supply and certain mail-order pharmacies. ‡ You may not be able to get the same exact Medicare Supplement plan if it is no longer offered. Available plans will depend on what is being offered in your state at the time.

Woohoo! My Medicare 2026 copy arrived yesterday🤩 Next comes the 2025 ANNUAL NOTICE OF CHANGES booklet😃 So exciting!
09/17/2025

Woohoo! My Medicare 2026 copy arrived yesterday🤩 Next comes the 2025 ANNUAL NOTICE OF CHANGES booklet😃 So exciting!

I am nearing completion of my vendor table for the prestigious Cedaredge Apple Festival, taking place on October 4 and 5...
09/17/2025

I am nearing completion of my vendor table for the prestigious Cedaredge Apple Festival, taking place on October 4 and 5 from 9am-5pm. The large photo of myself was larger than anticipated… I must have overlooked the dimensions when ordering. Please visit my booth to collect candy, flyers, promotional items, and discuss the 2026 Medicare Plans. My canopy tent will display HUMANA. I will be located in the park area, adjacent to the pavilion and food trucks for the 1st time. I am thrilled to participate and encourage you to attend. The Medicare Annual Enrollment Period is October 15-December 7. Woohoo! The 2026 Medicare Advantage plans will be released to the public on October 1.

Patti Zapf | Licensed Insurance Sales Agent970-301-8752 (TTY: 711) | www.pattizapf.com
09/16/2025

Patti Zapf | Licensed Insurance Sales Agent
970-301-8752 (TTY: 711) | www.pattizapf.com

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Grand Junction, CO
81505

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