Splendid Health Insurance

🎀 OCTOBER IS BREAST CANCER AWARENESS MONTH — AND YOUR MAMMOGRAM MAY BE COVERED AT $0.

About 1 in 8 women will be diagnosed with invasive breast cancer in their lifetime. Regular screening can help detect breast cancer earlier, when treatment may be more effective.

What you need to know about breast cancer screenings and coverage:

✅ ACA-compliant plans: Recommended screening mammograms are generally covered at $0 for women 40+ when applicable eligibility and network requirements are met

✅ Medicare: Covers a screening mammogram every 12 months for women 40+ at $0 when the provider accepts assignment

✅ Diagnostic mammograms: May also be covered when medically necessary — your plan may apply cost-sharing

✅ BRCA genetic counseling and testing: May be covered for people who meet certain high-risk criteria

✅ If diagnosed: Treatments such as surgery, radiation, chemotherapy, and hormone therapy may be covered, depending on your plan and treatment needs

If you're due for a screening mammogram, don't put it off. And if you're not sure what your plan covers, we can help you understand your benefits.

📞 FREE Consultation: +1 (832) 497-3623

🗓️ Book your appointment: https://shorturl.at/uBquZ

👥 Join our community: https://www.facebook.com/groups/1855229751841019

Splendid Health — Making care easier for families.

YOU DON’T NEED TO MEMORIZE MEDICARE.

You just need to know what questions to ask. 💜

Medicare can come with unfamiliar terms, different coverage options, and decisions that may feel overwhelming.

But making a confident decision doesn’t mean becoming a Medicare expert overnight.

It means asking questions like:

✓ What are my coverage options?
✓ What should I compare before choosing?
✓ Are my doctors and prescriptions important when reviewing a plan?
✓ What costs should I understand beyond the monthly premium?

That’s where the right guidance can make a difference.

At Splendid Health Insurance, we believe you deserve clear explanations, personalized attention, and the opportunity to understand your options before making a decision.

Save this post for when Medicare starts feeling complicated. 🔖

What’s one Medicare question you wish someone would explain in plain English?

👇 Leave it in the comments or comment HELP and we’ll help you get started.

🦴 JOINT PAIN IS NOT JUST PART OF AGING — AND YOUR COVERAGE SHOULD REFLECT YOUR HEALTH NEEDS.

Rheumatoid arthritis, osteoarthritis, lupus, and other joint conditions affect millions of Americans — and treatment costs can add up quickly depending on your coverage and healthcare needs.

What to look for in your health plan when managing a joint condition:

✅ Rheumatologist visits: Confirm that your preferred specialists are in-network

✅ Diagnostic imaging: MRI, X-rays, and other imaging may be covered, but coverage and out-of-pocket costs vary by plan

✅ Physical and occupational therapy: Generally covered when medically necessary; plan requirements may vary

✅ Biologic medications: Drugs such as Humira and Enbrel can be expensive — check your plan's formulary, coverage rules, and out-of-pocket costs carefully

✅ Joint replacement surgery: Check whether your plan requires prior authorization and what your potential out-of-pocket costs may be

✅ Durable medical equipment: Medicare Part B may cover medically necessary equipment such as walkers and certain braces when eligibility requirements are met

If you're managing a chronic joint condition, your plan choice can have a significant impact on your healthcare costs throughout the year.

Don't choose a plan based on the premium alone. Make sure it fits your doctors, medications, treatments, and healthcare needs.

📞 FREE Consultation: +1 (832) 497-3623

🗓️ Book your appointment: https://shorturl.at/uBquZ

👥 Join our community: https://www.facebook.com/groups/1855229751841019

Splendid Health — Making care easier for families.

You Googled ONE Medicare question…
and somehow ended up with 12 more. 😵‍💫

Part A. Part B. Part D.
Original Medicare. Medicare Advantage. Supplements. Enrollment periods…

And suddenly your “quick search” has 17 tabs open. 😅

If that sounds familiar, you’re definitely not the only person trying to make sense of all the Medicare terminology.

The good news? You don’t have to understand everything at once.

At Splendid Health Insurance, we believe Medicare should be explained in plain language — one question at a time, without unnecessary pressure.

💬 What Medicare question confuses you the most?

Drop it in the comments. Your question might become our next Medicare post.

Comment INFO if you’d rather talk with a licensed agent.

🍂 FALL IS HERE — IS YOUR PREVENTIVE CARE UP TO DATE?

Fall is a great time to make sure you're caught up on preventive care before the year comes to a close.

If you have Medicare, many preventive services are available at $0 when you meet Medicare's eligibility requirements and use a participating provider. Here are five worth checking on:

✅ Annual Wellness Visit (Medicare): $0 if eligible — includes a cognitive assessment and a personalized prevention plan

✅ Flu shot: Covered at $0 with Medicare Part B when you use a participating provider — September and October are generally good times to get vaccinated

✅ Mammogram: Medicare covers a screening mammogram every 12 months for women age 40 and older

✅ Colorectal cancer screening: Medicare covers several screening options, including colonoscopies, depending on your eligibility, risk factors, and screening history

✅ Diabetes screening: Medicare covers eligible preventive diabetes screenings to help identify blood sugar problems early

These benefits are there to help you stay ahead of potential health problems — so don't wait until the last minute to find out what you're eligible for.

Make sure you're up to date on your preventive care before the year ends.

📞 FREE Consultation: +1 (832) 497-3623

🗓️ Book your appointment: https://shorturl.at/uBquZ

👥 Join our community: https://www.facebook.com/groups/1855229751841019

Splendid Health — Making care easier for families.

New to Medicare? Start with these two letters: A + B. 💜

Original Medicare is made up of **Medicare Part A + Medicare Part B.

🏥 PART A — Hospital Insurance
Generally helps cover inpatient hospital care, skilled nursing facility care, hospice care, and some home health care.

🩺 PART B — Medical Insurance
Generally helps cover doctor and other healthcare provider services, outpatient care, durable medical equipment, and many preventive services.

Easy way to remember it:

A = Hospital
B = Medical

Understanding these basics can make Medicare feel a lot less overwhelming.

At Splendid Health Insurance, we help you understand your Medicare options clearly, one step at a time, without unnecessary pressure.

Save this post so you have it when you need it. 🔖

Are you turning 65 soon, or are you already on Medicare?

Comment INFO: if you’d like help understanding your options.

🔍 MEDIGAP: THE COVERAGE THAT FILLS THE HOLES ORIGINAL MEDICARE LEAVES BEHIND.

If you have Original Medicare (Parts A & B), you may have noticed that it doesn't cover everything. There are deductibles, co-pays, and co-insurance costs that add up — sometimes to thousands of dollars per year.

That's where Medicare Supplement (Medigap) plans come in.

What Medigap can cover:
✅ Medicare Part A co-insurance and hospital costs
✅ Medicare Part B co-insurance or co-payments
✅ First 3 pints of blood per year
✅ Part A hospice care co-insurance
✅ Some plans cover foreign travel emergency care

What Medigap does NOT cover:
❌ Prescription drugs (you need a separate Part D plan)
❌ Dental, vision, hearing, or long-term care
❌ Private-duty nursing

Key difference from Medicare Advantage:
Medigap works alongside Original Medicare. Medicare Advantage replaces it. They are not compatible — you choose one path or the other.

Not sure which is right for your situation? That's exactly what we sort through together.

📞 FREE Consultation: +1 (832) 497-3623
🗓️ Book your appointment: https://shorturl.at/uBquZ
👥 Join our community: https://www.facebook.com/groups/1855229751841019
Splendid Health — Making care easier for families.

IN-NETWORK vs. OUT-OF-NETWORK 👀

Looks similar… but it can make a big difference.

Before choosing a health plan, one of the smartest things you can check is whether your doctors, specialists, and preferred facilities are in-network.

IN-NETWORK

Usually means your provider is part of the plan’s network.
That may help you access care more easily and may lower what you pay, depending on the plan.

OUT-OF-NETWORK

Usually means that provider is not part of the plan’s network.
That can affect your access to care and may lead to higher costs, depending on the plan.

A lot of people compare plans by premium first… but forget to check if their doctor is included.

That’s why reviewing your provider network before choosing coverage can save you stress later.

At Splendid Health Insurance, we help you review your options clearly and without pressure, so you can make decisions with more confidence.

Have you ever checked a plan first and only later realized your doctor wasn’t in-network? 👇

Comment INFO if you’d like help reviewing your options with a licensed agent.

Check your providers before choosing. Save this.

⏰ MEDICARE ANNUAL ENROLLMENT OPENS IN EXACTLY 30 DAYS — ARE YOU READY?

October 15 is one month away. If you have Medicare — or if someone in your family does — now is the time to prepare, not scramble.

Your 30-day Medicare AEP preparation checklist:

✅ Pull out your current plan's Summary of Benefits — know what you have before comparing
✅ List every doctor, specialist, and hospital you used in the last 12 months
✅ List every prescription medication, dosage, and frequency
✅ Watch for your ANOC letter — it's in the mail now and tells you what's changing
✅ Note any benefits you never used — dental, vision, gym, OTC allowance
✅ Think about next year: any planned surgeries, new doctors, change in health status?

When your ANOC arrives — don't set it aside. Call us.

We'll review your current plan against 2027 options in 30 minutes or less. Free. No obligation. No pressure.

📞 FREE Consultation: +1 (832) 497-3623
🗓️ Book your appointment: https://shorturl.at/uBquZ
👥 Join our community: https://www.facebook.com/groups/1855229751841019
Splendid Health — Making care easier for families.

When the premium is the ONLY thing you compare… 👀

That lower monthly price can look great at first.

But your premium is only one part of the story.

Before choosing health coverage, it’s worth looking at things like:

✓ Deductible
✓ Copays and coinsurance
✓ Doctor and hospital network
✓ Prescription coverage
✓ Your expected healthcare needs

Because a plan that looks less expensive each month may not necessarily be the option that makes the most sense for your situation.

At Splendid Health Insurance, we help you understand the details clearly—without pressure—so you can compare your options with confidence.

What do you usually look at first when comparing health plans: the monthly premium or the benefits? 👇

💜 Comment INFO and a licensed agent can help you review your options.

Look beyond the premium. Save this.