Silver and Secure

10/28/2025

🦷 Why Routine Dental Care Matters
Your smile says a lot about your health! Even if you brush and floss daily, regular dental checkups are key to keeping more than just your teeth healthy.

✅ Prevent gum disease and tooth decay
❤️ Lower your risk for heart disease and diabetes
🩺 Catch early signs of bigger health issues — even oral cancer
💰 Avoid expensive dental procedures down the road

Routine visits aren’t just about clean teeth — they’re an investment in your overall well-being.

If you don’t have dental coverage, or aren’t sure what your plan includes, let’s review your options. A simple plan can go a long way in protecting your health and your wallet.

👉 https://calendly.com/jillbullock/30
🔗 Source: https://www.ameritas.com/insights/why-routine-dental-care-matters/?j=13415640&sfmc_sub=1407637185&l=136167_HTML&u=330513144&mid=1345236&jb=5004

10/28/2025

Medicare Advantage Plans: Only Half the Doctor Access?
A new Kaiser Family Foundation (KFF) report found that Medicare Advantage enrollees have access to only about 48% of the physicians available to people with Traditional Medicare.

That doesn’t mean Medicare Advantage is wrong for everyone — but it’s important to understand the trade-offs:
✅ Lower premiums and built-in extras (dental, vision, fitness)
⚠️ Smaller provider networks and possible referrals for specialists

If keeping your current doctor is important to you, always confirm they’re in-network before enrolling.

At Silver & Secure Health Insurance Brokers, we help Texans compare Medicare Advantage and Medigap side-by-side — so you can choose the plan that truly fits your needs, not just your ZIP code.

📅 Now scheduling reviews for AEP (Oct 15 – Dec 7).
Message us or call today to make sure your doctors and prescriptions are covered for 2026.

10/27/2025

Happening Nov. 9 - If you want help with your Prescription Drug Plan (PDP), understand your insurance agent/broker will not have access to all plans. Humana will be pulling the PDPs off the quoting sites for agents, which limits your choices because we can't see all available plans.

https://www.modernhealthcare.com/insurance/mh-humana-medicare-part-d-plans-brokers/

10/24/2025

The plans with low star ratings - if your curious, here is the link:

CMS shared its Medicare Advantage star ratings Oct. 9. Strong ratings lead to plans earning quality bonus payments, while plans that consistently underperform may encounter more oversight and a higher risk of contract cancellation. The number of plans rated below three stars was one less than last y...

10/23/2025

Medicare Advantage and PDP Star Ratings released. Are you interested in seeing how your plan is rated? Click below.

https://www.beckerspayer.com/payer/medicare-advantage/18-5-star-medicare-advantage-plans-2026/

The only MAPD plan in our area with 5 Stars will be Devoted. Great company, small network for Central TX, though.

10/22/2025

Peace of Mind
🌟 Sometimes the best news is that your current plan is still your best choice.
I’ll tell you either way—so you can feel confident. Message me if you'd like a review - it's no cost to you!

10/21/2025

👩‍⚕️ Will your doctor stay in-network?
Each year, plans update their networks. Sometimes doctors join, sometimes they leave.
✅ During AEP, it’s important to confirm your preferred doctors are still in your plan.
✨ A quick review now saves headaches later. Message me for a review - no cost to you 💪

10/20/2025

📋 This week, one client learned their plan would cost $500 more in 2026 for the same prescriptions.
✨ A review can save you money too. No charge to you. Message me to get a link to provide your current medications.

10/17/2025

💊 Why drug lists matter
Every Medicare Advantage and Part D plan has its own formulary (list of covered medications).
🔎 Even if your plan covers your prescription, the cost can change from year to year.
👉 That’s why I always check your exact medications when comparing plans.
Small changes can mean big differences in your monthly costs.

10/16/2025

Free Plan Review Offer
📊 Every year, I offer a free plan review to help ensure you’re not overpaying or missing out on benefits.
✅ No pressure. No obligation. Just a chance to confirm your plan is still working for you.
🔗 Click here to request your free review: https://www.sunfirematrix.com/app/blazesync/int/19555944/2025

10/15/2025

🔎 Common Scams & Misleading Tactics TO WATCH OUT FOR THIS AEP
1. “Free Money” or Gift Card Promises
Warning: If someone offers gift cards, grocery money, utility assistance, or cash back just for signing up, it’s a red flag.
Truth: Medicare plans cannot legally give cash or gift cards as an enrollment incentive.
2. Fake “Government” Calls or Mailers
Warning: Scammers often use official-looking envelopes, logos, or caller ID that says Medicare or Social Security.
Truth: Medicare will never call to sell you a plan. Mailings directly from Medicare will say “Official Medicare” and usually come in a white envelope with the Medicare logo.
3. “Better Benefits” without an SOA
Warning: If someone calls and jumps straight into talking about plan details without first getting your written Scope of Appointment (SOA), they’re breaking compliance rules.
Truth: By law, agents must have your permission (SOA) before discussing plan benefits.
4. High-Pressure Sales Tactics
Warning: Watch out for people who insist “you must sign up today” or say your benefits will disappear tomorrow.
Truth: You have a full enrollment period (Oct. 15–Dec. 7) to review options. No one should pressure you into a same-day decision.
5. Requests for Sensitive Info
Warning: Never give your Medicare number, Social Security number, or banking info to someone who calls you out of the blue.
Truth: Only share this information with trusted, licensed professionals you’ve chosen to work with.
6. “Switch for Lower Cost” Gimmicks
Warning: Some callers promise huge savings but don’t explain the trade-offs (like losing doctors, higher drug costs, or network restrictions).
Truth: Always review the full plan details before making a change — if it sounds too good to be true, it usually is.
👉 If you’re ever unsure whether something is real, call me first at 830-406-6654. I’ll help you sort fact from fiction — at no cost.

10/15/2025

If you’re self-employed or run a small business in Texas, the upcoming ACA changes could affect your premiums and taxes.

In this workshop, I teamed up with a certified tax preparer and financial advisor to show how to:
💡 Use HSA contributions to lower your premiums
💡 Avoid losing subsidies when you’re just $1 over the limit
💡 Coordinate retirement and health savings for tax-smart planning

🗓️ Ready for your own personalized review?
👉 https://calendly.com/jillbullock/30