Trinity Clancy Senior Health Insurance Broker

Trinity Clancy Senior Health Insurance Broker I teach people how Medicare works and help them choose the right Medicare plan.

đź“Ł WIN THE MEDICARE GAME- Avoid Costly Mistakes BOOK RELEASE đź“ŁRevised & Updated EditionMedicare is confusing for almost e...
06/03/2026

đź“Ł WIN THE MEDICARE GAME- Avoid Costly Mistakes BOOK RELEASE đź“ŁRevised & Updated Edition

Medicare is confusing for almost everyone.
The deadlines are complicated.�The advertisements never stop.�The penalties can be expensive.�And most people are terrified of making the wrong decision.
In Win the Medicare Game, independent Medicare broker Trinity Clancy breaks Medicare down in plain English using the same real-life stories and practical guidance she’s shared with hundreds of clients over more than fifteen years.
No confusing jargon.�No scare tactics.�No overwhelming technical language.
Just straightforward help from someone who works with Medicare every day.

Inside, you’ll learn:
• How to avoid costly Medicare mistakes and penalties�• The real differences between Medicare Advantage, Supplements, and Part D plans�• What Medicare actually covers — and what it doesn’t�• How Medicare works if you’re still employed after 65�• Important guidance for veterans, snowbirds, retirees, caregivers, and people on disability�• How real people made Medicare decisions — both good and bad — and what you can learn from them

What makes this book different are the stories.
Throughout the book, Trinity shares real situations clients faced — unexpected medical bills, missed deadlines, confusing plan choices, and smart decisions that saved people thousands of dollars and enormous stress.
Because Medicare makes a lot more sense when you see how it works in real life.
Whether you’re approaching Medicare for the first time or helping someone you love, Win the Medicare Game will help you make smarter decisions with greater clarity and confidence.

This book is available on Amazon. 📖 Purchase here👇🏼
https://www.amazon.com/dp/B0CBY63937



05/27/2026

⏰In this Medicare Minute, I explain the concept of grocery money related to Medicare 🛒
While some Advantage Plans previously offered grocery money for those with certain chronic conditions, recent changes in laws have made it more difficult to access these benefits. Currently, grocery money is primarily available for individuals on Medicaid with low income and chronic conditions. I personally benefited from this on my Advantage Plan for two years, but now most plans do not provide this benefit. I encourage you to explore other valuable benefits available through Advantage Plans. As an experienced Medicare Broker, I can help you!



05/20/2026

⏰ In this Medicare Minute, I discuss the importance of being aware of Medicare penalties, which can last a lifetime. If you are late enrolling in Part B and have no other employer coverage for a whole year, you will incur penalties that continue indefinitely. Currently, the monthly premium for Part B is $202.90 in 2026, and I strongly advise against going without it. Additionally, Part D has a late penalty that begins accruing after 65 days without coverage. While there have been rumors of changes to limit these penalties, nothing has been confirmed yet, so it's crucial to stay informed.🤓

🤔 Medicare can be very confusing and if you don’t know the right questions to ask or have a plan, you might be missing an important step which could be costly. Please enjoy a FREE DOWNLOAD of my guide: Medicare Decisions Made Simple- 7 Insider Strategies to Navigate Medicare with Confidence- and Avoid Costly Mistakes.
https://trinityclancymedicarebroker.com/freeflyer/



Where You Get Your Meds Mattersđź’ŠYour prescription drug costs under Medicare depend on how and where you receive your med...
05/13/2026

Where You Get Your Meds Matters
đź’ŠYour prescription drug costs under Medicare depend on how and where you receive your medications.
If you pick up your prescriptions at a retail pharmacy—or have them delivered through a mail-order service📫—your medications are covered under your Prescription Drug Plan (Part D). These plans have a list of covered drugs (called a formulary) and use tiers to determine your cost. You’ll typically pay a copay or coinsurance based on the drug tier, and your costs may change as you move through different coverage phases during the year.
If you receive medications in a doctor’s office, clinic, or outpatient setting (like injections, infusions, or certain specialty drugs), those are usually covered under the medical side of Medicare (Part B or your Medicare Advantage plan). Instead of a standard drug copay, you’ll generally pay a percentage of the cost (often around 20% under Original Medicare), unless you have supplemental coverage or an Advantage plan with set copays.
Bottom line: The same medication can cost very different amounts depending on where you receive it—so it’s always worth asking ahead of time.

🤔 Medicare can be very confusing and if you don’t know the right questions to ask or have a plan, you might be missing an important step which could be costly. Please enjoy a FREE DOWNLOAD of my guide: Medicare Decisions Made Simple- 7 Insider Strategies to Navigate Medicare with Confidence- and Avoid Costly Mistakes.
https://trinityclancymedicarebroker.com/freeflyer/



05/06/2026

Hi, I'm Trinity Clancy, and in this Medicare Minute, I discuss why Medicare can be so complicated. Since its inception in 1965, Medicare has undergone numerous changes due to legislative decisions, including recent reforms like the Inflation Reduction Act, which capped prescription costs for Medicare recipients. With all these changes, navigating Medicare can feel overwhelming, and that's why I strongly recommend finding a Medicare broker to help you sort through the complexities and find the best plan for your needs. Remember, you only need to focus on what applies to you, not the noise around Medicaid or other unrelated topics. If you're feeling lost, reach out to a broker- like me- for guidance!

🤔 Medicare can be very confusing and if you don’t know the right questions to ask or have a plan, you might be missing an important step which could be costly. Please enjoy a FREE DOWNLOAD of my guide: Medicare Decisions Made Simple- 7 Insider Strategies to Navigate Medicare with Confidence- and Avoid Costly Mistakes.
https://trinityclancymedicarebroker.com/freeflyer/



04/29/2026

📬✉️Have you ever wondered why you get so much mail about Medicare when you are turning 65? In this video, I share some insider secrets about this type of outreach.

🤔 Medicare can be very confusing and if you don’t know the right questions to ask or have a plan, you might be missing an important step which could be costly. Please enjoy a FREE DOWNLOAD of my guide: Medicare Decisions Made Simple- 7 Insider Strategies to Navigate Medicare with Confidence- and Avoid Costly Mistakes.
https://trinityclancymedicarebroker.com/freeflyer/



04/22/2026

🙋🏼‍♀️A common question I am asked is does Medicare cover everything? It's crucial to understand that Medicare does not cover ❌: cosmetic procedures, experimental treatments, routine dental care, vision care, or hearing aids.
Many people mistakenly assume these services are included, but they often require additional coverage. As a Medicare broker, I can help you navigate these options without any cost to you, as I receive commissions from insurance companies. I encourage you to reach out if you need assistance in ensuring you have the coverage you need.

🤔 Medicare can be very confusing and if you don’t know the right questions to ask or have a plan, you might be missing an important step which could be costly. Please enjoy a FREE DOWNLOAD of my guide: Medicare Decisions Made Simple- 7 Insider Strategies to Navigate Medicare with Confidence- and Avoid Costly Mistakes.
https://trinityclancymedicarebroker.com/freeflyer/



🙏 Aways so grateful for reviews like this. It’s a pleasure to help with Medicare and honored to have long-standing relat...
04/15/2026

🙏 Aways so grateful for reviews like this. It’s a pleasure to help with Medicare and honored to have long-standing relationships.

"Trinity has been my broker from the beginning of needing Medicare (I'm going to be 75 this year). I have always received excellent service and feel very well taken care of by her. She is absolutely the best at what she does.”

Thank you, Kathy!

🤔 Medicare can be very confusing and if you don’t know the right questions to ask or have a plan, you might be missing an important step which could be costly. Please enjoy a FREE DOWNLOAD of my guide: Medicare Decisions Made Simple- 7 Insider Strategies to Navigate Medicare with Confidence- and Avoid Costly Mistakes.

https://trinityclancymedicarebroker.com/freeflyer/





✍🏼Signing up for Medicare starts with Social SecurityThe first step to getting on Medicare is enrolling in Parts A and B...
04/08/2026

✍🏼Signing up for Medicare starts with Social Security
The first step to getting on Medicare is enrolling in Parts A and B through the Social Security Administration.
Social Security prefers that you apply online at ssa.gov (http://ssa.gov/), which is usually the fastest and easiest way to enroll.
Here’s an important point:�
❌You do NOT have to start your Social Security retirement benefits to enroll in Medicare.�Many people choose to delay Social Security until their full retirement age—or even age 70—to maximize their benefit.
Even though both processes go through Social Security, they are separate decisions:
• Medicare = your health coverage
• Social Security = your monthly retirement income
Once you receive your Medicare card (with your Medicare ID number), you can then choose the type of coverage that fits you best—such as a Medicare Advantage plan or a Medicare Supplement with a Part D drug plan. That’s where a broker like me can be a huge help!



04/01/2026

⏰In this Medicare Minute, I clarify that while most people must be 65 to start Medicare, there are exceptions. If you are on Social Security disability for two years, you can qualify for Medicare even if you are younger, sometimes in your 30s. I have clients who are under 65 and on Medicare due to this rule. If you have questions about Medicare, I encourage you to reach out to me so I can help you navigate the process and find the best plan for your needs.

🤔Medicare can be very confusing and if you don’t know the right questions to ask or have a plan, you might be missing an important step which could be costly. Please enjoy a FREE DOWNLOAD of my guide: Medicare Decisions Made Simple- 7 Insider Strategies to Navigate Medicare with Confidence- and Avoid Costly Mistakes.
https://trinityclancymedicarebroker.com/freeflyer/



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