Splendid Health Insurance

MEDICARE A, B, C & D — EXPLAINED SIMPLY 💜

Medicare can feel like an alphabet soup. Here’s a simple way to understand the basics:

🏥 PART A — Hospital
Helps cover inpatient hospital care, skilled nursing facility care, hospice care, and some home health care.

🩺 PART B — Medical
Helps cover services from doctors and other healthcare providers, outpatient care, certain preventive services, and some medical equipment.

💜 PART C — Medicare Advantage
An alternative way to receive your Medicare Part A and Part B benefits through a Medicare-approved private plan. Plans may include additional benefits and often include prescription drug coverage.

💊 PART D — Prescription Drugs
Helps cover the cost of prescription medications. Coverage and costs vary by plan.

Save this Medicare cheat sheet. 🔖

Understanding the basics is the first step toward making a more informed decision. At Splendid Health Insurance, we provide clear, personalized guidance without unnecessary pressure.

Do you already know which parts of Medicare may apply to you?

Comment INFO or speak with a licensed agent.

🍂 SEPTEMBER IS WHEN SMART MEDICARE ENROLLEES GET AHEAD OF THE CROWD.

AEP begins October 15. Your Annual Notice of Change (ANOC) — the letter that tells you exactly how your Medicare plan is changing next year — arrives in late September.

Most people set it aside. The smart ones read it immediately.

What the ANOC tells you:
📋 Whether your monthly premium is changing
📋 Whether your deductible or co-pays are increasing
📋 Whether your doctors or hospitals are still in-network
📋 Whether your medications are still on the formulary — and at what cost tier

Here's the reality: plans change dramatically from year to year. A plan that was perfect in 2026 may be the wrong choice in 2027. And you won't know until you read that letter.

When your ANOC arrives — call us. We'll review it with you in 30 minutes and tell you whether your plan is still the best option. Free. No obligation.

📞 FREE Consultation: +1 (832) 497-3623
🗓️ Book your appointment: https://shorturl.at/uBquZ
👥 Join our community: https://www.facebook.com/groups/1855229751841019
Splendid Health — Making care easier for families.

🌎 NAVIGATING HEALTH INSURANCE AS AN IMMIGRANT FAMILY — WHAT'S AVAILABLE AND WHAT'S NOT.

This is one of the most important — and most misunderstood — topics in our community. Many Latino families avoid applying for health coverage out of fear or misinformation about immigration status.

Here's what you need to know:

✅ Lawful permanent residents (green card holders) can access ACA Marketplace plans and may qualify for Medicaid (depending on length of residency)
✅ U.S. citizen children qualify for coverage regardless of parents' status
✅ DACA recipients can enroll in ACA Marketplace plans in most states (as of 2024)
✅ Undocumented individuals are NOT eligible for ACA Marketplace or Medicaid — but their U.S. citizen family members ARE
✅ Applying for health insurance does NOT affect immigration status (public charge rule does not apply to ACA or CHIP)

Your family's health matters — and there may be more options available to you than you realize.

We serve every family with confidentiality, respect, and honesty.

📞 FREE Consultation: +1 (832) 497-3623
🗓️ Book your appointment: https://shorturl.at/uBquZ
👥 Join our community: https://www.facebook.com/groups/1855229751841019
Splendid Health — Making care easier for families.

📅 ACA OPEN ENROLLMENT STARTS NOVEMBER 1 — START PREPARING IN AUGUST AND WIN.

Sixty-eight days. That's how long you have before ACA Open Enrollment begins on November 1, 2026. And while that sounds like plenty of time, the families who start now are the ones who end up with better plans at lower costs — while everyone else scrambles in November.

What to do in August to prepare:

🔹 Estimate your 2027 household income: Subsidies are based on your projected income, not last year's
🔹 List your current doctors: We'll verify which 2027 plans keep them in-network
🔹 List your medications: We'll check which plans have your drugs at the lowest tier
🔹 Gather your Social Security numbers: Required for enrollment
🔹 Think about what changed this year: New baby, divorce, job change, income change — all affect your options

Open Enrollment ends January 15. But the best appointments are in November. And those fill up fast.

Book your free review now — before everyone else does.

📞 FREE Consultation: +1 (832) 497-3623
🗓️ Book your appointment: https://shorturl.at/uBquZ
👥 Join our community: https://www.facebook.com/groups/1855229751841019
Splendid Health — Making care easier for families.

🧠 6.7 MILLION AMERICANS HAVE ALZHEIMER'S — AND MOST FAMILIES DON'T KNOW WHAT'S COVERED.

If a loved one has been diagnosed with Alzheimer's or another form of dementia, navigating care — and coverage — becomes one of the most complex and emotionally demanding experiences a family can face.

What Medicare covers for Alzheimer's and dementia:

✅ Diagnosis and medical management by a neurologist or geriatrician
✅ Annual Wellness Visit includes a cognitive assessment at $0
✅ Medications (some covered under Part D — check the formulary)
✅ Physical, occupational, and speech therapy
✅ Home health services (when medically necessary)
✅ Hospice care (when curative treatment is no longer the goal)

What Medicare does NOT cover:
❌ Custodial or personal care at home (bathing, dressing, eating assistance)
❌ Most adult day programs
❌ Long-term memory care facility costs beyond 100 days

This is the gap where families are blindsided by costs of $5,000–$10,000/month or more.

If someone in your family is facing a diagnosis, let's talk about what's available — including long-term care options — before the crisis arrives.

📞 FREE Consultation: +1 (832) 497-3623
🗓️ Book your appointment: https://shorturl.at/uBquZ
👥 Join our community: https://www.facebook.com/groups/1855229751841019
Splendid Health — Making care easier for families.

🎒 BACK-TO-SCHOOL SEASON IS HERE — DON'T FORGET YOUR FAMILY'S HEALTH CHECKLIST.

August means supply lists, new backpacks, and busy mornings.

But before the school year starts, make sure your family's health needs are covered — literally.

Your back-to-school health insurance checklist:

✅ Schedule the required school physical (most preventive visits are covered at $0).

✅ Get vaccinations up to date — flu shot season starts in September.

✅ Confirm your children's pediatrician is still in your plan's network for 2026.

✅ Review your urgent care vs. ER options — and know the co-pay difference.

✅ If your child has asthma, allergies, or ADHD — verify medications are covered and refill prescriptions before school starts.

✅ Know what to do if your child gets sick at school: telehealth can handle minor issues quickly.

A few minutes of preparation now can prevent hundreds of dollars in unnecessary ER visits later.

📞 FREE Consultation: +1 (832) 497-3623
🗓️ Book your appointment: https://shorturl.at/uBquZ
👥 Join our community: https://www.facebook.com/groups/1855229751841019
Splendid Health — Making care easier for families.

🚀 TELEHEALTH IN 2026: THE BENEFIT MOST PEOPLE HAVE BUT NEVER USE.

Since 2020, telehealth coverage expanded dramatically across most health insurance plans — including Medicare.

But years later, millions of people still default to waiting weeks for an in-person appointment when their issue could be resolved from their couch in 30 minutes.

What telehealth typically covers:

✅ Primary care visits for cold, flu, UTI, minor infections.

✅ Mental health therapy and psychiatric evaluations.

✅ Chronic condition management (diabetes check-ins, blood pressure follow-ups).

✅ Prescription renewals and medication adjustments.

✅ Post-surgical follow-ups.

✅ Dermatology (skin concerns via photo review).

What it doesn't replace:

❌ Physical exams requiring hands-on care.

❌ Lab work, imaging, or in-person diagnostics.

For Medicare: Telehealth expanded access remains in effect through 2026, including audio-only visits for those who don't have video capability.

Have you checked if your plan covers telehealth? The answer is almost certainly yes.

📞 FREE Consultation: +1 (832) 497-3623
🗓️ Book your appointment: https://shorturl.at/uBquZ
👥 Join our community: https://www.facebook.com/groups/1855229751841019

Splendid Health — Making care easier for families.

Understanding your coverage can make a big difference in how confidently you make decisions. 💜

Before choosing or reviewing a health insurance plan, take time to understand:

✓ What’s covered
✓ What you may pay
✓ Where you can receive care
✓ What matters most for your needs

You don’t have to navigate all the details alone. At Splendid Health Insurance, our licensed agents can help you review your options and understand them in clear, simple terms.

💬 Which of these 4 would you like to understand better?

Have questions? Call us at +1 (832) 497-3623.

💊 2026 PRESCRIPTION DRUG COSTS: WHAT CHANGED AND HOW TO PROTECT YOURSELF

One of the biggest concerns we hear from seniors and families is rising medication costs.

The good news: 2026 brought significant changes that could work in your favor—if you know about them.

Key changes for this year:

✅ Medicare Part D out-of-pocket cap: $2,000/year maximum—no more catastrophic phase costs!

✅ Insulin prices: Capped at $35/month for Medicare enrollees.

✅ Negotiated drug prices: Medicare negotiated lower prices for 10 high-cost drugs taking effect this year.

✅ Vaccine coverage: All recommended vaccines covered at $0 under Part D.

What you should do right now:

🔹 Review your plan's 2026 formulary: Your medication's tier may have changed.

🔹 Ask about generic alternatives: They often offer identical effectiveness at 80% lower cost.

🔹 Check if your medication is on Medicare's negotiated price list.

🔹 Consider a Medication Therapy Management (MTM) program if you take 2+ chronic medications.

Your medications shouldn't be a financial decision. Let's make sure they're not.

📞 FREE Consultation: +1 (832) 497-3623
🗓️ Book your appointment: https://shorturl.at/uBquZ
👥 Join our community: https://www.facebook.com/groups/1855229751841019

Splendid Health — Making care easier for families.

Insurance can feel complicated. Talking to someone shouldn’t. 💜

Maybe you have questions about coverage.
Maybe you’re comparing options.
Maybe you simply don’t know where to start.

That’s exactly why having real guidance matters.

At Splendid Health Insurance, we believe insurance conversations should feel clear, personal, and comfortable. Our licensed agents are here to listen, answer your questions, and help you better understand your options—without pressure.

💬 What’s one insurance question you wish someone would explain in plain English?

Questions? Let’s talk. Call +1 (832) 497-3623.