Advisors – September 2025

Welcome to the first edition of Your Medicare KeyNote! Each month I will be sharing Medicare insights and timely updates designed to help you better serve your clients as they navigate retirement and healthcare planning.

This Month’s Highlights 📰 Medicare Policy Updates The 2026 landscape will be disruptive. Against the backdrop of rising healthcare utilization and costs – Medicare insurance plans will have fewer options, higher costs and plan terminations 💡Insights for Your Practice PERA Medicare rates are going up again. Encourage your PERA clients to review individual plan options—many find lower premiums with equal or better coverage. Keep in mind: spouses without a subsidy are often paying significantly more under the PERA plan. 📅 Key Dates to Share with Clients * October 15 – December 7: Medicare Annual Enrollment Period * October 15 – December 31: Enrollment Period if plan terminated * October 21 – November 20: PERACare Annual Enrollment Period 🔑 Advisor Tip of the Month Now’s the time to ensure your Medicare referral partner is the right fit. Clients need extra guidance in today’s challenging market—yet some brokers skip annual reviews or try to offset commission cuts with prohibited fees. Choose a partner who puts your clients first. Read my LinkedIn post, “Is the Sky Really Falling for Medicare Insurance Brokers”.

Let’s Partner My role is to simplify Medicare for your clients so you can focus on the broader financial plan. I never charge a fee, and as an independent broker I represent a wide range of carriers and plan options. If you’d like to discuss how I can support your practice, or if you have a client who could benefit from Medicare guidance, please reach out anytime. Referrals are always welcome and appreciated. Jenell Sobas, FPQP® Agency Owner | Key2Medicare Insurance 📧 [email protected] | ☎️ 303-484-1763 🌐 key2medicare.com This newsletter is intended for informational purposes only. It is not a complete description of Medicare coverage. Please encourage your clients to seek the guidance of a licensed Medicare insurance professional before making decisions. Key2Medicare Insurance is an independent insurance brokerage and does not represent Medicare or the federal government.