Epoch Insurance Solutions

08/16/2026

📬 Watch for Your Medicare Annual Notice of Change (ANOC)!

If you have a Medicare Advantage or Medicare Part D plan, keep an eye on your mailbox this September. Your plan will send you an Annual Notice of Change (ANOC) explaining important changes coming January 1.

🔎 What should you look for?
• Premiums, deductibles and copays
• Changes to your medical benefits
• Changes to dental, vision or other extra benefits
• Prescription drug coverage and drug tiers
• Changes to doctors, hospitals and provider networks

💡 Why is it important?
Your current plan may change from one year to the next. Take a few minutes to review your ANOC and make sure your plan still meets your needs and budget.

📅 Annual Enrollment Period (AEP)
October 15 – December 7

If you decide your current plan isn't the right fit for next year, AEP is the time to review your options and make a change.

Have employer or retiree prescription coverage?
If you have prescription drug coverage through an employer or union after turning 65, watch for your annual **Creditable Coverage Notice**. This notice tells you whether your prescription coverage meets Medicare's Part D creditable-coverage standard. Keep this notice with your important Medicare paperwork.

❤️ Don't toss that September Medicare mail!
Your ANOC can help you make an informed decision about your coverage for the coming year.

*Questions about your Medicare options? I'm happy to help you understand what your notice means and what to look for.
*On October 1st, I can calculate your prescription drug costs and see if medications are on formulary for your current plan and compare with other plans per your request.

Shasta Onarecker, 951-323-5560
Licensed Medicare Insurance Broker

08/11/2026

One of my favorite parts of working as a Medicare Broker is meeting new physicians who are enthusiastic about the important role they play in the lives of all of their patients including Medicare Recipients.

Dr. Ghasb is one of those physicians! He is an Internal Medicine Physician and believes in a holistic approach to patient care...looking at the whole body when determining your healthcare needs! He is surrounded by a helpful and friendly office staff who are a welcoming group!

I am excited that he and his team are part of our community!

Welcome!

**See his office FB page in the comments.

08/04/2026

Medicare Part D is not going away! 💊🏥💉

See more specifics in the comments!

07/23/2026

⭐Medigap Switching Rules

💬 Thinking about switching your Medicare Supplement plan?
Here’s a simple breakdown of how **Medigap switching rules** work so you know exactly when you can change plans — and when health questions may apply.

🔄 When You *Can* Switch Without Health Questions
These are called Guaranteed‑Issue situations:

- Your Medigap 6 month Initial Enrollment Period
- The California Birthday Rule (60 days)
- Losing coverage through no fault of your own
- Using Medigap Trial Rights

During these times, you can switch plans **with no underwriting**.

🩺 When Health Questions Apply
If you switch **outside** a guaranteed‑issue window, insurance companies can review your health, prescriptions, and medical history. Approval isn’t guaranteed.

🎂 California Birthday Rule Example
Your birthday gives you a **60‑day window** to switch to the same or lower Medigap plan **without medical questions**.

🌟 Why This Matters
It helps you find better pricing, better customer service, or a carrier that fits your needs — without worrying about your health history.

Reach out today for a no cost Medicare Health benefits consultation!

Shasta Onarecker
Health and Life Insurance Broker
Licensed in California and Texas, DOI #4279082
Work: (951) 323-5560
Epoch Insurance Solutions

05/25/2026

Good insight from Optum!

Good mental health is about feeling balanced and ready for whatever the day brings. Challenges still come up, but with the right tools, you can navigate them, grow through them and keep moving forward. ✨

Find habits that support your mental health: optum.co/positive-mental-health

05/25/2026

At Epoch Insurance Solutions, I want to take a moment to honor the heroes who gave their lives for our country and extend my heartfelt support to the families they left behind. Their legacy of service continues to inspire us every day.

I hope you have a meaningful and reflective Memorial Day.
🇺🇸❤️🤍💙🇺🇸

12/24/2025

12/20/2025

The Ifs, Ands & Buts of Medicare

Medicare enrollment into Part A & Part B is not always a one-size-fits-all.
Your friend, neighbor, or coworker does not know your specific situation—or all of the rules that determine whether you must enroll or can delay enrollment in Medicare without penalties.

That’s why it’s important to talk with a licensed and certified professional who can provide clear guidance—at no cost to you. Ever.

What about Medicare Advantage vs. Original Medicare (A & B) + a Medicare Supplement?
Are these even necessary, since I have Medicare A & B?
What are the pros and cons of each?
What are your expectations and limitations?
What is your budget?
Do you need maximum flexibility due to healthcare needs?
Are you healthy and rarely go to the doctor?

From enrolling in Medicare A & B to navigating your ongoing healthcare journey, partner with someone who will help you find the best plan for your needs—every step of the way.

📞 Call or text: 951-323-5570
📧 Email: [email protected]
🌐 Website: www.epochinsurancesolutions.com

— Shasta Onarecker, Epoch Insurance Solutions

Get expert Medicare enrollment assistance from Epoch Insurance Solutions. Free consultations and support tailored to your needs.

12/17/2025

**🚨 Important Medicare Prescription Plan Update for 2026 🚨**

If you are **Medicare-eligible** but staying on an **employer group health plan in 2026**, you must **verify that your prescription drug coverage is *creditable***.

Due to changes from the **Inflation Reduction Act**, some employer prescription plans **may no longer qualify as creditable** in 2026. If your coverage is not creditable and you delay Medicare Part D, you could face **lifelong Part D late-enrollment penalties**. These penalties are permanent, unless you qualify for a low income subsidy.

**What to do now:**
✔️ Contact your **HR or Benefits Department**
✔️ Ask for written confirmation that your drug coverage is **creditable for Medicare Part D**

If you have **Medicare Part A**, it’s **easy and inexpensive** to add a standalone Medicare Prescription Drug Plan to protect yourself and still remain on your employer plan-if you are permitted to.

If you don't have Medicare Part A, it is easy to enroll, but may take a few weeks to process. Don't wait!

📞 **Questions? Call me — Shasta**
**951-323-5560**

Please share—this could save someone from costly permanent penalties later.

12/10/2025

Medicare Enrollment Update: Important Dates & Options
✅ Annual Enrollment Period (AEP) ended on December 7, but don’t worry—there are still opportunities to make changes!

Special Enrollment Period (SEP)
If your Medicare Advantage (MA) plan ends on December 31, you qualify for a SEP:
📅 When: December 8 – February 28 (please enroll by the end of December for most comprehensive health insurance coverage beginning January1-waiting will mean gaps & no Part D)
🔹 Enroll in a new MA plan
🔹 Switch to Original Medicare (Part A & B) & add a Medicare Supplement
🔹 Add a Part D prescription drug plan
➡ Changes made by December 31 start January 1.

January 1 – March 31, 2026
Two key enrollment windows:
1️⃣ Medicare Advantage Open Enrollment (MA-OEP)
• Switch MA plans or return to Original Medicare (+ Part D option)
• Coverage starts the month after you enroll
2️⃣ General Enrollment Period (GEP)
• For those who missed signing up for Original Medicare
• Coverage starts the month after you enroll (late penalties may apply)
📞 Questions? Call Shasta at Epoch: 951-323-5566
🌐 Visit: www.epochinsurancesolutions.com