SOMA Living October 2025

MEDICARE

When enrolling in Medicare, you can choose between Original Medicare (Parts A and B) or a Medicare Advantage plan (Part C) that combines both types of coverage. Part D, which covers prescription drugs, is also available. However, you aren’t locked into these plans forever. Medicare offers opportunities to change your plan(s) based on your situation. During Medicare’s Annual Enrollment Period (AEP) from October 15th to December 7th , you can review and modify your Part C (Advantage) or Part D (prescription) plans. Options include switching between Original Medicare and Medicare Advantage, enrolling in or canceling a Part D prescription plan, and changing your current Part D plan. From January 1st to March 31st, the Medicare Advantage Open Enrollment period allows you to drop your Medicare Advantage plan and return to Original Medicare, add a Part D prescription plan, or drop your current Part D plan. If you need to make changes outside of these periods, you may qualify for a 2-month Special Enrollment Period (SEP) due to certain circumstances like a move or loss of coverage. During an SEP, you can switch plans without penalty or enroll in a Medigap plan without medical underwriting. To determine if you qualify for an SEP, contact me promptly after the qualifying event. I’m here to assist you throughout the process. Understanding Medicare enrollment periods empowers you to make informed choices about your healthcare coverage. Feel free to reach out for any assistance you need. MEDICARE ENROLLMENT PERIODS

ROBERT HUBSMITH, CLTC Financial Services Professional

I help my clients (at no cost to them) get the best Medicare insurance plan to fit their unique health care needs and at the best price. Navigating the Medicare system can be confus ing and overwhelming, whether you are currently enrolled in Medicare or are newly eligible, so let me answer your ques tions, create a knowledge-based foundation, analyze options and ultimately guide you to an informed decision.

www.RHMediFactor.com

(201) 704-7872 rhubsmith@RHMedifactor.com

Robert Hubsmith, CLTC PINNACLE FINANCIAL SERVICES www.RHMediFactor.com

Rob Hubsmith is a licensed and trained independent insurance agent with over 30 years in the financial services industry. I am certified with many top Medicare Advantage, Prescription Drug and Medicare Supplement insurance plan carriers. I represent most major companies with a Medicare contract and am qualified to answer any questions you may have.

OCTOBER 2025 | SOMA LIVING 25

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