Smyczynski & Sons Medicare solutions

07/14/2026

💡 Medicare Tip Tuesday

Did you know? The cheapest Medicare plan isn’t always the least expensive in the long run.

When comparing plans, don’t just look at the monthly premium. Be sure to consider:
✅ Your doctors and hospitals
✅ Prescription drug coverage
✅ Copays and deductibles
✅ Maximum out-of-pocket costs
✅ Extra benefits like dental, vision, and hearing

Every person’s healthcare needs are different, so the best plan is the one that fits your lifestyle, health needs, and budget.

Have questions about Medicare? I’m here to help make it simple.

📞 Melisa Smyczynski
Licensed Medicare Agent
330-286-7118

Not affiliated with or endorsed by the U.S. government or the federal Medicare program.

07/10/2026

Turning 65 soon or have questions about Medicare?
Join us for an educational presentation explaining Medicare basics. Register here, seats are limited.

07/06/2026

💡 Could a Medicare Advantage Plan Help Lower Your Healthcare Costs?

Many people are surprised to learn that Original Medicare doesn’t have an annual out-of-pocket maximum for covered medical services. That means your share of costs can continue to add up throughout the year.

Many Medicare Advantage plans include:
✔️ An annual out-of-pocket maximum for covered medical expenses
✔️ Preventive services, including annual wellness visits and health risk assessments
✔️ Care management programs designed to help identify health concerns early
✔️ Extra benefits that may include dental, vision, hearing, or fitness programs (benefits vary by plan).

A Health Risk Assessment is more than just a questionnaire—it helps your plan understand your health needs and can connect you with preventive care and support services that may help you stay healthier and potentially avoid more costly medical issues down the road.

Every person’s situation is different. The right Medicare coverage depends on your doctors, prescriptions, budget, and healthcare needs.

Have questions about your options? I’d be happy to help you compare plans and understand how they may affect your healthcare costs.

📞 Melisa Smyczynski
330-286-7118

Not affiliated with or endorsed by the U.S. Government or the federal Medicare program. Benefits, premiums, copayments, coinsurance, and provider networks vary by plan and county.

07/06/2026

07/03/2026

📅 Understanding Medicare Enrollment Periods

Knowing when you can enroll in Medicare is just as important as knowing what coverage you need.

Here’s a quick guide:

🔹 Initial Enrollment Period (IEP): Begins 3 months before your 65th birthday, includes your birthday month, and ends 3 months after—a total of 7 months to enroll.

🔹 Annual Enrollment Period (AEP): October 15 – December 7 each year. This is when people with Medicare can review and change their Medicare Advantage or Part D prescription drug plans for the following year.

🔹 Medicare Advantage Open Enrollment Period: January 1 – March 31. If you’re already enrolled in a Medicare Advantage plan, you can switch to another Medicare Advantage plan or return to Original Medicare (with the option to add a Part D plan if eligible).

Missing an enrollment deadline could result in delayed coverage or late enrollment penalties, so it’s important to know your timeline.

Have questions about which enrollment period applies to you? A licensed Medicare agent can help you understand your options and deadlines.

06/26/2026

🎉 Turning 65 soon?
Your Initial Enrollment Period is an important time to review your Medicare options.

Before enrolling, consider:
✅ Your doctors
✅ Your prescriptions
✅ Your travel needs
✅ Your monthly budget

A little planning now can make the process much smoother.

Contact us to help guide you through!