PlanSmart Insurance & Notary

💙Why Is 85% of My Social Security Being Taxed?

Many people hear someone say,

"The government taxes 85% of your Social Security."

That isn't exactly true.

Here's what it really means.

If your income reaches certain levels, up to 85% of your Social Security benefits can become taxable income. It does not mean you lose 85% of your check.

As we move through the second half of the year, now is a good time to estimate your income before tax season arrives.

Things that can increase taxable Social Security include:
✔ Retirement account withdrawals
✔ Pension income
✔ Part-time work
✔ Investment income

A little planning now can help prevent an unexpected tax bill later.

Every person's situation is different, which is why reviewing your retirement income before year-end can make a big difference.

📞 Questions about retirement planning or Medicare? I'm always happy to help. Comment below or DM.

Peace of Mind Never Sleeps.

How Does ACA Health Insurance Actually Work?
Have you ever looked at ACA plans and felt overwhelmed?

Health insurance can seem confusing, but the Affordable Care Act (ACA) is designed to make coverage more accessible for individuals and families who don't have affordable insurance through an employer.

Here's the simple version:

✔ You choose a health insurance plan that fits your needs and budget.

✔ Depending on your household income, you may qualify for financial assistance that lowers your monthly premium.

✔ Once you're enrolled, you'll pay your monthly premium and share some healthcare costs through deductibles, copays, or coinsurance when you receive care.

✔ Every plan includes essential health benefits, such as:
• Doctor visits
• Preventive care
• Emergency services
• Hospital care
• Prescription medications
• Mental health services
• Maternity care

The key is choosing a plan that works with:
✔ Your doctors
✔ Your prescriptions
✔ Your healthcare needs
✔ Your budget

Every family's situation is different.

That's why sitting down with a local independent agent can help you understand your options before making a decision.

Healthcare doesn't have to be confusing when someone takes the time to explain it in plain English.
Need help with your healthcare plan- go here https://calendly.com/hellonellie

Have you ever helped a loved one find transportation to a medical appointment?

Hidden Costs of Missing Medical Appointments
Missing a doctor's appointment can cost more than the missed visit itself.

It may lead to:
• Delayed treatment and worsening health.
• Higher medical costs from preventable complications.
• Prescription delays and interruptions in care.

If transportation is keeping you from getting the care you need, help may be available.

Many Medicare Advantage plans offer or coordinate non-emergency transportation benefits for eligible members. Benefits vary by plan, so it's worth checking what's included in your coverage.

Other transportation resources may include:

Local senior transportation programs
County or city transit services
Community volunteer ride programs

If you're unsure where to start, I'm happy to help you review your plan benefits and point you toward available transportation resources in your area. DM or comment below

Sometimes getting to the appointment is just as important as the appointment itself.

Today's Theme: Why Prescription Plans Deserve a Yearly Review?

Have you reviewed your prescription coverage in the last 12 months?

💊 The prescription drug plan you chose last year may not be the best one this year.

Every year, Medicare Part D plans can change:

• Monthly premiums
• Drug formularies
• Pharmacy networks
• Copays
• Deductibles

That means some people unknowingly pay hundreds—or even thousands—more than necessary.

Even worse...

Some discover their medication is no longer covered and begin skipping doses because of the cost.

A yearly Medicare prescription review helps ensure your doctors, pharmacies, and medications still fit your current plan.

Don't assume your coverage stayed the same just because you did.

As your local independent Medicare agent, I compare multiple plans to help you find the coverage that best fits your needs.

PlanSmart Insurance & Notary
Peace of Mind Never Sleeps.

If you have any prescription or doctor's changes in 2026 and need help understanding what to do for 2027 plan let's talk. comment below it may save you a lot of money.