Why Dental and Vision Coverage Is Often Overlooked
Wegovy & Ozempic for weight loss: Will Medicare ever cover GLP-1 drugs? Explore the CMS anti-obesity drug rule, its impact on private insurers, and why high costs and utilization rules will still apply.
As October’s chill sets in and jack-o'-lanterns light up neighborhoods across the country, excitement builds for one of the most cherished holidays of the year: Halloween. For children, it’s a night of costumes, candy, and creepy fun. For parents and guardians, however, it’s also a time to be extra vigilant. As we enter the 2025 Halloween season, it’s important to embrace both the fun and the responsibility that come with it. Here’s how to ensure Halloween night remains safe, magical, and memorable for everyone involved. Costumes: Safety First, Style Second Costumes are the heart of Halloween fun, but they should be as safe as they are spooky. When choosing or crafting a costume this year, opt for bright colors or incorporate reflective tape to improve nighttime visibility. While all-black outfits or elaborate disguises can look cool, they make it harder for drivers to spot pedestrians, especially in dimly-lit areas. Make sure costumes fit properly. Oversized robes, capes, or trailing accessories can pose tripping hazards. Masks should fit comfortably and allow for clear vision and easy breathing. In fact, face paint is often a safer and more comfortable alternative. Flame-resistant materials are also essential. Between decorative candles, bonfires, and carved pumpkins, fire risks are real. Avoid long, flowy fabrics and always check labels for safety certifications. Trick-or-Treating: Planning Makes Perfect Trick-or-treating remains a favorite Halloween tradition, but it requires thoughtful planning. Parents should accompany younger children and pre-teens, sticking to familiar, well-lit neighborhoods. Older kids who go out on their own should travel in groups, carry a phone, and establish clear rules about where they’ll go and when they’ll return. Before heading out, review basic pedestrian safety: use sidewalks, cross streets at intersections, and never dart between parked cars. Carrying a flashlight or wearing glowsticks can further improve visibility. And while it’s tempting to run from house to house, encourage kids to walk—there’s plenty of time for fun without risking injury. Candy Checks and Allergy Awareness Once the treats are collected, it’s time to sort through the haul. Parents should inspect all candy and snacks for signs of tampering, including torn wrappers, unfamiliar branding, or anything that looks homemade (unless it’s from a trusted source). Discard anything suspicious, as well as anything that’s not age-appropriate for your child. For children with food allergies, extra caution is needed. Many popular candies contain common allergens like nuts, dairy, or soy. Look for allergy-friendly options, and consider participating in the Teal Pumpkin Project, which promotes non-food treats like stickers or small toys for inclusive trick-or-treating. Homeowners: Make Your Property Trick-or-Treater Friendly If you're handing out treats this year, take a few steps to make your property safe and welcoming. Clear walkways of leaves, hoses, or decorations that might trip children. Keep your porch well-lit and avoid using real candles in pumpkins—battery-operated lights offer a safer alternative without sacrificing ambiance. If you have pets, make sure they are securely indoors or restrained. Even the friendliest dogs can become frightened or overly excited by costumes and doorbell rings. Embracing Tech and Trends In 2025, Halloween has taken a digital twist in many neighborhoods. Some communities are using apps to track trick-or-treat routes, schedule trunk-or-treat events, or create interactive haunted house maps. Parents can use GPS tracking apps to keep tabs on older kids, and many smart doorbells now allow you to monitor activity at your home remotely. While tech adds convenience and peace of mind, it should complement—not replace—real-world supervision and communication. A Final Word Halloween should be full of laughter, imagination, and shared joy. With a little preparation, a touch of common sense, and an eye on safety, 2025’s festivities can be both thrilling and secure. Whether you're donning a costume, handing out treats, or watching your little ghouls roam the night, remember: the best memories are made when everyone stays safe. Happy Halloween! 🎃
Medicare Covers Many Pain Management Services
One of the most meaningful ways to care for your loved ones — even after you’re gone — is by creating a thoughtful estate plan. An estate plan ensures your assets are distributed according to your wishes, reduces potential conflict among heirs, and provides clarity during an emotional time. But with so many moving parts, it’s easy to overlook important details. To help you get started, here’s a checklist that covers the key components of a well-rounded estate plan. 1. Do you have a will? A will is the cornerstone of most estate plans. It allows you to specify who will inherit your property and other assets, and who will serve as guardian for any minor children. Without a will, state laws decide how your assets are distributed — which may not reflect your preferences. Make sure your will is up to date, signed according to state law, and safely stored where your executor can easily access it. 2. Do you have health care directives in place? Health care documents spell out your medical wishes if you become unable to make decisions for yourself. They also authorize a trusted person to act on your behalf. Common documents include: Living Will: Outlines your preferences for medical treatment and life-sustaining care. Health Care Power of Attorney (or Health Care Proxy): Designates someone to make medical decisions if you’re incapacitated. Durable Power of Attorney for Health Care: Ensures that authorization remains valid if you become unable to make decisions long term. These documents protect both you and your loved ones by ensuring your medical care aligns with your values and preferences. 3. Do you have financial powers of attorney or trusts? Financial documents ensure your finances can be managed smoothly if you’re unable to handle them yourself. A durable financial power of attorney authorizes someone you trust to manage your financial affairs — paying bills, managing investments, or filing taxes. Joint ownership or a living trust can also help transfer assets efficiently and avoid probate. Consult with a financial or legal professional to determine which approach best suits your situation. 4. Have you designated beneficiaries? Naming beneficiaries on your retirement accounts, life insurance policies, and bank accounts is one of the simplest and most effective estate planning steps you can take. These designations override what’s written in your will, so it’s important to review them regularly — especially after life events such as marriage, divorce, or the birth of a child. In some cases, you may need to complete a specific “Payable on Death” (POD) form for certain accounts. 5. Do you have the right amount and type of life insurance? Life insurance can help provide your loved ones with financial security by replacing income, covering debts, or funding future expenses. Revisit your policy periodically to ensure your coverage amount still meets your family’s needs. Factors such as age, health, income, and debt can influence the right level of protection. Keep in mind that life insurance policies have costs and potential tax implications. Before making changes, consider speaking with a licensed professional who can help you evaluate your options. 6. Have you considered estate taxes? For most families, federal estate taxes are not an issue. However, if you and your spouse have a large estate (for 2026, over $30 million in combined assets), it’s wise to discuss tax-minimization strategies with a financial or estate planning professional. Proper planning can help preserve more of your estate for your heirs. 7. Have you planned for your business? If you own a business, a succession plan ensures your enterprise continues to operate smoothly. This may include identifying a successor, outlining transition steps, or setting up a buy-sell agreement if you share ownership. A thoughtful plan protects both your legacy and your employees. 8. Have you created a letter of instruction? A letter of instruction is a non-legal document that outlines your personal wishes — from funeral preferences to contact information and passwords. It can save your family significant time and stress as they carry out your estate plan. 9. Will your heirs know where to find everything? Even the best estate plan is only helpful if your loved ones can locate the right documents. Keep your important records — including wills, trusts, life insurance policies, deeds, financial account information, and debt statements — in a secure but accessible place. Tell your executor or a trusted family member how to find them.  Final Thoughts Estate planning can feel overwhelming, but it’s one of the most loving and practical gifts you can leave your family. By taking time to organize your affairs and communicate your wishes, you ensure your legacy is protected — and your loved ones are cared for. Note: Power of attorney laws vary by state. Estate strategies involving trusts or tax planning may be complex. Consider consulting with qualified estate planning and financial professionals before implementing any strategy.
Find out why your Medicare Annual Notice of Change (ANOC) is so important! This document, sent by September 30, outlines all the changes to your Medicare Advantage or Part D plan for 2026—from premiums and drug coverage to provider networks. Review it carefully before the Annual Enrollment Period (Oct. 15–Dec. 7) to ma
Get ready for Medicare AEP 2026! Learn what the Annual Enrollment Period is, key dates to remember, and how to prepare now to review and change your Medicare Advantage or Part D plan for the coming year.
Optimize your Medicare plan during the Annual Enrollment Period! Learn how to avoid 6 common mistakes—like ignoring your ANOC or skipping drug reviews—to make sure your coverage meets your needs and budget in 2025.
Contact Kevan Brooks to Discuss Your Options
If you’re enrolled in a Medicare Supplement (Medigap) plan and have recently logged into your Medicare.gov account, you may have been surprised — or even alarmed — to see what appears to be a “monthly termination date” listed for your coverage. The good news? This is a known technical quirk of the Medicare.gov system and does not reflect an actual cancellation of your coverage. Your Medigap plan is still active as long as you continue paying your premiums. What’s Causing the Confusion? This issue was first identified in an April 2025 column in The Reporter of Hamilton County, Indiana. The article noted that the monthly termination date is a reflection of how Medigap plans are billed — month to month — not an indication that coverage is ending ( The Reporter, April 5, 2025 ). As of July 2025, no public updates or fixes have been announced by Medicare.gov, meaning the issue is ongoing and may continue to cause confusion for Medigap users reviewing their online accounts. Why Medigap Plans Still Offer Reliable, Ongoing Coverage One of the most important features of Medigap policies is that they are guaranteed renewable . That means: Your plan cannot be canceled as long as you pay your premiums on time. You are protected even if your insurer stops offering the plan to new customers. Coverage renews automatically each year unless there’s a valid reason for termination, such as non-payment or fraud. Medigap plans are offered by private insurers to help pay for out-of-pocket costs like deductibles, coinsurance, and copayments that Original Medicare doesn’t cover. They also allow you to see any doctor or specialist who accepts Medicare, offering flexibility and peace of mind. Reasons Medigap Coverage Could Actually End Although the Medicare.gov display issue is harmless, it’s good to be aware of the real reasons a Medigap policy could end. Your insurer can terminate your plan only if: You stopped paying your monthly premium. You provided false information when applying. The insurer becomes insolvent or exits the Medigap market entirely. In this situation, you would be able to select a Medigap plan from another insurer (called “guaranteed issue” rights). Otherwise, your policy is yours to keep — even if you develop a serious medical condition or require long-term treatment. If You’re Still Concerned If you’re unsure whether your policy is in good standing or think you may have missed a payment, the best thing to do is contact your Medigap insurance provider — or reach out to your trusted insurance agent for assistance. We can help you confirm your current status and provide documentation if needed. While the Medicare.gov system may not display this information perfectly, your insurer's records are the true source of coverage status. Bottom Line The display of a “monthly termination date” on Medicare.gov for Medigap plans is a technical display issue — not a cause for alarm. As long as you’ve been paying your premiums, your coverage continues uninterrupted. Still, if you’re ever uncertain, it’s smart to double-check directly with your insurance company. This minor glitch has been acknowledged by experts and is still present as of mid-2025. We’ll continue to monitor for updates — and as always, we’re here to help clarify your Medicare options and ensure your peace of mind.