Medicare is changing for 2027. Your review is free.
Drug costs are going up, and some plans in our area are ending. Sit down with Kayla White, a local Medicare advisor, and find out in about 30 minutes whether your coverage still fits. No cost, no obligation.
Appointments in Leitchfield, Bowling Green, or by phone.
Three things every Medicare member should know about 2027
Your plan mailed you an "Annual Notice of Change" in September. It is long, and most people don't read it. Here is what matters.
If your drug plan has a deductible, you pay the first $700 of prescription costs in 2027 before the plan pays anything.
The most you can pay out of pocket for covered prescriptions in a year. Good news for anyone on expensive medications, but higher than last year.
Some Medicare Advantage plans in Kentucky are not coming back next year. If yours is one of them, you have to pick something new.
Don't let your plan choose for you.
When a Medicare Advantage plan ends, the insurer usually offers to move you into one of its other plans automatically. That plan may not include your doctors or your pharmacy. You have better options, but only if you act before the deadline.
- You can choose any plan available in your county during enrollment.
- You get a special window after December 7 that runs through the end of February.
- You also get a guaranteed right to buy a Medicare Supplement with no health questions, which is not normally available. For many people this is the best door that ever opens.
Bring the letter. We'll handle the rest.
Kayla will check which of your doctors and prescriptions are covered by every plan you qualify for, including Supplement options, and show you the real cost of each.
Or call (270) 259-8007 and say "my plan is ending."
Your Annual Medicare Checkup
Even if you like your plan, it may not be the same plan in January. A review is a half hour, in person or by phone, and it ends with a plain answer: keep what you have, or here is something better.
What we check
- Every prescription you take, whether it's still covered, and what it will cost in 2027
- Your doctors, specialists, and hospital, and whether they stay in network
- Your pharmacy, and whether a different one would cost less
- Changes to your premium, copays, and benefits
- Other plans available to you, including Medicare Supplements, if something fits better
What to bring
- Your red, white, and blue Medicare card
- Your current plan's ID card
- A list of your prescriptions, with dosages (or the bottles)
- The names of your doctors and your pharmacy
- Any letter from your plan about 2027 changes
Not sure what you have? Bring whatever Medicare mail you've received and we'll sort it out together.
Your Medicare window opens three months before your birthday
You have seven months around your 65th birthday to sign up: the three months before, your birthday month, and the three months after. Miss it, and some parts of Medicare carry a lifetime penalty. If you're still working and covered through a job, the rules are different, and worth a conversation.
- Six months outBook a call with Kayla. Learn how the pieces fit before you need to decide.
- Three months outEnroll in Part A and B through Social Security. Kayla can walk you through the website.
- Two months outChoose your Supplement and drug plan, or an Advantage plan, with your doctors and prescriptions in hand.
- Your birthday monthCoverage starts the first of the month. Cards arrive; we confirm everything works at the pharmacy.
Kayla White, Senior Benefits Advisor
Kayla runs the Medicare practice at Davis Insurance, a family agency that has served Grayson, Warren, and the surrounding counties since 1993. She works with Medicare Supplement, Medicare Advantage, and prescription drug plans from the major carriers in Kentucky, and she knows which local doctors and hospitals each plan includes.
She is in the Leitchfield office Tuesday through Thursday and in Bowling Green on Monday and Friday during enrollment season.