National call centers don't know the specific hospital networks in your hometown. As a local agency, we are your neighbors. We provide a human touch—helping you with claims, drug cost analysis, and annual reviews—long after the "celebrity" on TV has stopped calling you.

Moving is a "trigger" for a Special Enrollment Period (SEP). Because Palmer Insurance is licensed in IN, KY, MA, FL, and OH, we can seamlessly move your coverage with you, ensuring your prescriptions and doctor access remain uninterrupted during your move.

Most Advantage plans in Indiana, Ohio, and Florida bundle these "extra" benefits to simplify your coverage. However, the depth of coverage (like dentures or implants) varies by plan. We audit these specific perks so you know exactly what your "free" dental benefit actually pays for.

Yes, if you go without "creditable" drug coverage for 63 days or more after your Initial Enrollment Period, you may face a lifetime late enrollment penalty. We help you avoid this "tax" by finding a low-cost, compliant plan even if you aren't currently taking any medications.

This depends on your plan’s network. Because we are a local agency, we don't just guess—we verify your specific doctors in cities like Columbia City, Louisville, or Columbus against 2026 provider directories to ensure you aren't forced to change the physicians you trust.

Medicare coverage for GLP-1 medications depends strictly on the medical "Job" they are doing. In 2026, they are typically covered for Diabetes or heart disease prevention but are rarely covered for weight loss alone. We use an Rx Calculator to see which Part D plans in your zip code include these on their formulary.

The standard Part B premium is adjusted annually based on national healthcare spending. For 2026, the standard rate is $202.90. If you're seeing a smaller Social Security check due to this increase, we can check if you qualify for "Extra Help" programs available in your specific county.

Seniors generally choose between two paths: Medicare Advantage (an all-in-one private plan with extra perks like dental) or Medigap (a supplement that fills the "holes" in Original Medicare). We help you compare the "Job" each plan does for your budget—Advantage usually offers lower premiums, while Medigap offers more freedom to see any doctor across our five-state service area.

Whether you are in Indiana, Ohio, Kentucky, Massachusetts, or Florida, the Annual Enrollment Period (AEP) runs from October 15 to December 7. This is your primary window to "hire" a new plan or switch between Medicare Advantage and Original Medicare for the upcoming year.