Emil Beheshti / Medicare Broker - a division of Simpler Horizons

08/13/2026

*For Californians on Medi-Cal*
🚨Reminder🚨
https://www.dhcs.ca.gov/medi-cal/help/asset-limit-frequently-asked-questions/

Starting July 1, 2027, the asset limit is:

$21,000 for one person.
$31,000 for two people.
Add $1,550 for every extra person in your house (up to 10 people).
Not everyone in your home may count toward your family size. For example, adult children living with you are not included.

Some married couples or registered domestic partners may qualify for higher limits. Ask your county Medi-Cal office about Spousal Impoverishment (a rule that protects a spouse from losing all their assets).

When did Medi-Cal start counting my assets? Medi-Cal started counting your assets (things you own) on January 1, 2026, to decide if you can get or keep coverage. This applies if you: This means you’ll need to share information about what you own when you apply for or renew your Medi-Cal. What are...

08/12/2026

New, happy, Medicare Supplement client in Austin. Licensed in ten states and countin’.

08/08/2026

Medicare is fun!? For Medicare Supplements(not to be confused with PPOs, though they share similar traits, or Medicare Advantage plans, the complete opposite - there’s a 6-month window when you turn 65 that you can never get back.

Most folks don't realize their SEP(special election period) this is when turning 65 or first activating their Part B. When you first enroll in Medicare Part B, you get a one-time, guaranteed right to buy any Medigap plan sold in your state — no health questions, no higher premiums for preexisting conditions. That window is 6 months long, and it starts the month you're both 65 or older and enrolled in Part B.

After that? Insurers can decline your application, charge you more, or make you wait for coverage — because of your health. Taking advantage of the guaranteed acceptance period is an opportunity to lock in freedom to choose any doctors nationwide that accept the medicare appointment and have all of your co-pays and co-insurance covered - for an additional premium and after the small deductible of $283 is paid.

Medicare covers about 80% of Part B expenses. Medigap can pick up the rest, including that $283 but only if you are eligible for Plan F - which means you turned 65 before 1/1/20.

What to do: if you're turning 65 soon, start comparing plans about 3 months before your birthday month. You'll have that 6 months to lock in coverage — that is ample time to make an informed decision and get comfortable with your strategy.

Share this with someone who's got a 65th birthday coming up. Medicare Supplements are for someone who wants flexibility with their doctors and has ample disposable income to manage their health needs. The cousin of Medicare Supplement plans are Medicare Advantage plans - which are more affordable yet more restrictive with doctor networks. Both strategies can help your Medicare needs.

I told you Medicare is fun. Reach out when it’s time or if you have questions.

07/29/2026

Medicare Part D recipient clients let's stay in touch in the fall. Many Medicare Advantage Plans(which include the the Part D component included) may not be able to adjust for 2027 as many have their plans locked in place. However, the stand alone plans may be more nimble to adapt to this disruption and hike prices for certain plans. Let's see how this shakes out and adjust accordingly.

The prescription drug benefit is used by millions of seniors.

07/01/2026

Medicare recipients - access to GLP-1 drugs is increasing. If your Medicare Advantage Plan or Part D stand alone plan does not offer one, read this flyer and see if you qualify. Consult your doctor.

06/30/2026

From a new client in the Great State of Texas. Loved helping her when she turned 65. She was referred by her partner that I helped last year. We found a plan that she might not have necessarily known to look for based on her needs. Reach me when you’re Turning 65 or this Annual Enrollment Period(Oct 15th-Dec 7). Love the agency I work for. There are never any fees paid for our services.

06/23/2026

A pleasure to guide this new client to her Medicare options.

06/16/2026

A real client testimonial from a “not so” real animated avatar. My real client is a baddie from Texas that can out-lift anyone I have ever known and less of an HRC wannabe. And she’s got the best puns anywhere within 500 miles of the border. Thank you, JC. 🙏🏻❤️

05/08/2026

Clients and friends - Medicare Advantage plans(aka Part C) might see some cuts to their additional benefits in 2027 - such as rides to doctors, gym memberships, dental and vision and food benefits(often applies to Medicaid recipients). Humana and other carriers have indicated the increase the government will fund MAPD plans - by 2.48% in 2027 - might not be enough to maintain these "extras" and they may have to reduce some types of additional benefits like I mention above. This is NOT concrete at the time and the government may STILL end up further increasing their contribution for 2027 - stay tuned. However, this is a time to GO TO THE DENTIST, schedule a RIDE to the doctor and GO TO THE GYM for exercise or at the very least work out at your home or around your community. Ultimately, even if these benefits are reduced what usually is most important to you are your doctors and Rx. While you may hear about cuts throughout the year - and we always will - just keep in mind what's most important to you in your plan. Have a nice weekend. Go outside!

Millions of people choose to enroll in a Medicare Advantage plan because of the extra benefits included, like gym memberships, vision and dental coverage and more. But according to Reuters, Humana—one of the largest Medicare Advantage insurers—might cut those benefits if the federal government's...

04/27/2026

If you’re considering social security at 62 or before full retirement age this article is informative.

A new bill in Congress calls for eliminating the retirement earnings test, which reduces Social Security for some workers who are younger than retirement age.