Alexander Lott health and retirement planning specialist

11/11/2025

Social security has come out claiming COLA increase for 2026 SS is 2.8% and the jump between Medicares part b premium from 2025 to 2026 is a 11.62% increase. This year is one of the most important years to sit down with someone and figure out how you can save money in today’s economy. Please don’t hesitate to call or message with any questions. Let’s save some money today!

11/11/2025

Are You Protected From Your Health Insurance “Gaps”?

No matter what kind of health insurance you have—Medicare, an employer plan, or even an ACA plan—there are some important things you must look out for. We call these the “gaps,” and they can catch almost anyone off guard.

The Big “Gaps” to Watch:
1. Premiums: Your regular monthly cost, but this only scratches the surface!
2. Max Out-of-Pocket Limits: The most you’ll pay in a year for covered services. Once you hit this number, your insurance pays 100%. But getting there can hurt your wallet!
3. Daily Hospital Copay (Days 1-5): Many plans charge you a set fee for the first several days you’re hospitalized.
4. Medical Deductibles (including ER visits): Out-of-pocket costs before the insurance picks up the rest.

These numbers change every year—sometimes by a lot! That’s why it’s so important to make sure your plan still fits your needs and to regularly review your coverage.

How Can You Quickly Cover These Gaps?
- Critical Illness Policy: Pays you a lump sum if you’re diagnosed with a serious condition. Use this to cover your max out-of-pocket costs.
- Hospital Indemnity Plan: Pays you cash for each day you’re hospitalized (especially for those expensive first 1-5 days).
- And the Biggest Gap: Long-Term Care
No health insurance fully covers a long-term nursing or rehab stay. Make sure you understand your options here—it’s often the most expensive “gap” of all.

The Takeaway:
Don’t just “set and forget” your health plan. Take a few minutes each year to go over your hospital copays, max out-of-pocket limits, and possible gaps—and consider some simple policies to protect your finances. A little time now can save you a lot of money and stress later!

Ready to review your options? Message me to tailor a plan that really fits you.

10/28/2025

Feeling confused about Medicare and how it all works?
Let’s sit down together and go over the differences between a Medicare Supplement and a Medicare Advantage Plan. I’ll walk you through the latest updates to Medicare Advantage, help you understand your options, and check whether your doctors and prescriptions are covered in-network.

10/27/2025

Looking to raise your social security for 2026 and on Medicare let me show you the secrets and ways to save money for you for the upcoming year! Call or message today for and information.

10/22/2025

If you haven’t had someone do this yet for you this year I can almost guarantee I can save you money somewhere.
What I Do:

- Medicare Education:
I explain how Medicare works, including changes to deductibles and premiums each year.

- Plan Comparison:
I compare Medicare Supplement (Medigap) plans with Medicare Advantage plans, and review how these options change annually.

- Prescription Coverage Review:
I calculate what your prescription medication costs will be for the year under different plans.

- Provider Network Check:
I check to make sure your primary care doctor and specialists are in network, and I strive to reduce your out-of-pocket costs for visits, sometimes down to $0.

- Benefits Review:
I ensure your plan covers the benefits you’re looking for, including vision, dental, and hearing.

10/21/2025

Tired of Paying Too Much for Health Care?

Hospital stays, ER visits, doctor’s appointments, prescriptions—it all adds up! Let me show you how to save money and make health care more affordable for you and your family.

Contact me today to learn more!

10/20/2025

Medicare Monday
As Medicare changes every year, Let me keep you up to date with all the changes to the premiums, deductibles and how part D is changing and is going to work for 2026. I can go over current plans and changes from 2025-2026 and make you feel as comfortable with Medicare as you want to feel. No more unexpected bills! No what you’re gonna have to pay if the time comes.

10/15/2025

Today’s the Big Day for Medicare!

Medicare Annual Enrollment starts today, and it’s the perfect time to review your coverage. I’m offering a free review to help you find the best plan for 2026 and discover ways to save on your prescription costs. Let’s make sure your Medicare fits your needs and your budget!

Contact me today to set up your free review!
📲 (304)-991-9929

10/13/2025

That smell of burnt coffee and ambition? Unmistakable. If your mornings once started with a percolator and a punch clock, it might be time to start thinking about Medicare. Message us to discuss this important transition and to help make your next chapter just as memorable.

10/13/2025

Medicare is Changing for 2026!

Medicare Part B & Part D are getting updates—and ALL local Advantage Plans will be changing too!
Don’t wait: It doesn’t hurt to get a FREE, no-obligation review.
Find out what these changes mean for your health and your wallet.

Call or text today for your free plan review!
📲(304)-991-9929

Visit Alexander Lott, Bankers Life Agent at 200 Star Avenue in Parkersburg, WV for a quote, to schedule an appointment, or to learn more about insurance, investing, and retirement options near you.

10/09/2025

Contact today for a free meeting to go over the current changes with Medicare and plans in your areas. We can take a look and see how much your medications are going to cost as well as the doctors visits and follow up on any questions you may have with current plans changing.

10/06/2025

Hey!
I wanted to tell you about a crazy good critical illness (CI) policy—it’s honestly a no-brainer. Not only does it secure your health, but it also works as a savings tool.

Here’s a example of how it works:

- Coverage: For around $24.51/month (non-to***co), you get $20,000 in coverage for major illnesses like cancer. If you’re ever diagnosed, you get a lump sum payout of $20,000 to use however you need.
- Savings Benefit: If you never need to use the policy over 20 years, you get all your premiums back—close to $6,000! It’s like guaranteed savings if you stay healthy.
- No Money Lost: Think about it—we all pay for insurance on our phones, cars, and homes, and if we don’t make a claim, that money is just gone. With this CI plan, if you don’t use it, you get your money back after 20 years.
- Affordable: These plans are genuinely affordable, especially compared to what we pay for other types of insurance we rarely or never claim on.

If you use to***co the rate is a bit higher, but the value stays the same.
It’s kind of a steal: either you get paid out when you need it, or you save up a nice amount to get back later.

Let me know if you want to see a no-obligation quote or have questions!