Coffee with Cortney

On this episode of Coffee with Cortney, insurance updates, information and local advise is given by Cortney Dale about how to handle the wild world of Medicare.For more information about Cortney Dale and Sunflower Insurance Solutions, visit: https://sunflowersenior.com/

On this episode of Coffee with Cortney, insurance updates, information and local advise is given by Cortney Dale about how to handle the wild world of Medicare.For more information about Cortney Dale and Sunflower Insurance Solutions, visit: https://sunflowersenior.com/

This week’s show focused on listener questions about navigating Medicare and other health insurance issues, featuring Cortney Dale from Sunflower Insurance Solutions. Cortney addressed common mistakes, like prematurely enrolling in Medicare while still covered by an employer group plan, which can lead to tax penalties and complications with Health Savings Accounts (HSA). She emphasized the importance of consulting an expert before making Medicare decisions, especially if you plan to continue working past 65 and are eligible for group coverage. The team can help avoid costly errors by providing tailored advice and complimentary planning, ensuring listeners enroll in the right Medicare parts at the right time.The show also covered options for those retiring before age 65, including shopping the marketplace (Affordable Care Act plans), short-term health insurance, and supplemental products for specific needs. Cortney explained that Medicare Part B enrollment can be delayed for those with credible group coverage from employers with 20 or more people, and offered detailed guidance for prescription drug coverage under Medicare Part D. Because Part D plans and drug needs change frequently, annual plan reviews are recommended.On this episode of Coffee with Cortney, insurance updates, information and local advise is given by Cortney Dale about how to handle the wild world of Medicare.For more information about Cortney Dale and Sunflower Insurance Solutions, visit: https://sunflowersenior.com/

On this episode of Coffee with Cortney, insurance updates, information and local advise is given by Cortney Dale about how to handle the wild world of Medicare.For more information about Cortney Dale and Sunflower Insurance Solutions, visit: https://sunflowersenior.com/

On this episode of Coffee with Cortney, insurance updates, information and local advise is given by Cortney Dale about how to handle the wild world of Medicare.For more information about Cortney Dale and Sunflower Insurance Solutions, visit: https://sunflowersenior.com/

On this episode of Coffee with Cortney, insurance updates, information and local advise is given by Cortney Dale about how to handle the wild world of Medicare.For more information about Cortney Dale and Sunflower Insurance Solutions, visit: https://sunflowersenior.com/

On this episode of Coffee with Cortney, insurance updates, information and local advise is given by Cortney Dale about how to handle the wild world of Medicare.For more information about Cortney Dale and Sunflower Insurance Solutions, visit: https://sunflowersenior.com/

On this episode of Coffee with Cortney, insurance updates, information and local advise is given by Cortney Dale about how to handle the wild world of Medicare.For more information about Cortney Dale and Sunflower Insurance Solutions, visit: https://sunflowersenior.com/

On this week’s "Coffee with Cortney," Cortney Dale of Sunflower Insurance Solutions discussed the ongoing Medicare open enrollment period, which runs until December 7th. With changes coming in 2026—such as a new $2,100 out-of-pocket cap on covered prescription drugs and the elimination of the “donut hole”—Cortney encouraged listeners to review their plans. She emphasized that annual reviews are vital, as drug coverage, premiums, formularies, and pharmacy networks frequently change.On this episode of Coffee with Cortney, insurance updates, information and local advise is given by Cortney Dale about how to handle the wild world of Medicare.For more information about Cortney Dale and Sunflower Insurance Solutions, visit: https://sunflowersenior.com/

This week on "Coffee with Cortney," Cortney Dale of Sunflower Insurance Solutions discussed the pressures and opportunities of Medicare’s annual open enrollment period. Cortney emphasized the importance of having your existing plan reviewed—pointing out that shifting prescription drug formularies and new plan features, like lower co-pays and even some zero-premium options, mean that 2025 could bring unexpected savings or adjustments for many Kansans. Special attention was given to the impact of the Inflation Reduction Act, which is driving down prices for several high-cost drugs, but Cortney stressed that these benefits only reach people in the right plans, so individual evaluation is key.On this episode of Coffee with Cortney, insurance updates, information and local advise is given by Cortney Dale about how to handle the wild world of Medicare.For more information about Cortney Dale and Sunflower Insurance Solutions, visit: https://sunflowersenior.com/

This week on “Coffee with Cortney,” Cortney Dale from Sunflower Insurance Solutions emphasized the critical importance of reviewing Medicare plans during the annual election period, which runs from October 15 to December 7. Cortney explained that failing to review your prescription drug (Part D) plan could result in unexpected cost hikes or lapses in coverage due to changes in plan formularies and premiums. She encouraged listeners to avoid the biggest risk—doing nothing—and highlighted how their agency evaluates all available plans, starting October 1, to ensure clients make informed choices for their 2026 coverage.The show also addressed common gaps and mistakes, such as overlooked dental, home health care, or cancer coverage, and reinforced the value of working with a broker for unbiased, comprehensive plan comparisons. Cortney assured that Sunflower Insurance Solutions offers flexible review appointments in-person, by phone, or virtually, with support handling paperwork and questions at no extra cost.On this episode of Coffee with Cortney, insurance updates, information and local advise is given by Cortney Dale about how to handle the wild world of Medicare.For more information about Cortney Dale and Sunflower Insurance Solutions, visit: https://sunflowersenior.com/

In this week's episode of "Coffee with Cortney," Cortney Dale from Sunflower Insurance Solutions offers insights into navigating Medicare and associated insurance plans. Cortney addresses listener queries about long-term care and strategies for those approaching retirement but not yet eligible for Medicare. The show highlights hybrid plans combining insurance and investment components to cover long-term care, as well as options available through the Affordable Care Act for those needing interim coverage prior to Medicare eligibility. Cortney also discusses Medicare supplemental plans, emphasizing the benefits of Plan G and Plan N for retirees looking to minimize expenses. For personalized guidance, listeners are invited to contact Sunflower Insurance Solutions.For more information about Cortney Dale and Sunflower Insurance Solutions, visit: https://sunflowersenior.com/On this episode of Coffee with Cortney, insurance updates, information and local advise is given by Cortney Dale about how to handle the wild world of Medicare.For more information about Cortney Dale and Sunflower Insurance Solutions, visit: https://sunflowersenior.com/

In this week's episode of "Coffee with Cortney," Cortney Dale from Sunflower Insurance Solutions provides valuable insights into navigating the intricate Medicare landscape amid the recently passed Big Beautiful Bill. She emphasizes the importance of reviewing Part D prescription drug plans, noting that many beneficiaries might face significant changes in their plans from year to year. With a track record of helping 98% of clients find a better plan last year, Cortney stresses getting a second opinion to avoid unexpected increases in premiums.Cortney further discusses the importance of understanding and planning for Medicare as part of retirement. She advocates for working with a knowledgeable broker who can provide a comprehensive view of all available options. Cortney highlights that while Medicare isn't free, it offers robust healthcare coverage for those who understand how to navigate it properly. The episode also addresses common concerns about the future of Medicare and Social Security, encouraging listeners to take proactive steps in managing their healthcare planning.For more information about Cortney Dale and Sunflower Insurance Solutions, visit: https://sunflowersenior.com/On this episode of Coffee with Cortney, insurance updates, information and local advise is given by Cortney Dale about how to handle the wild world of Medicare.For more information about Cortney Dale and Sunflower Insurance Solutions, visit: https://sunflowersenior.com/

This week's "Coffee with Cortney" focuses on navigating Medicare benefits and dispelling common myths surrounding Medicare enrollment and coverage options. Cortney Dale explains that contrary to popular belief, turning 65 doesn't necessarily mean individuals must enroll in Medicare immediately. The discussion emphasizes individualized timelines for enrollment based on personal circumstances, helping retirees to avoid penalties and ensuring decisions best fit personal and financial needs. Cortney provides an insightful guide on the flexibility around Medicare plans, offering practical advice and solutions to align with attendees’ retirement plans.Additionally, the podcast tackles the misconceptions related to Medicare and supplemental insurance plans. It stresses the importance of supplementing Medicare parts A and B, which cover only a portion of medical expenses, leaving gaps that require additional coverage for prescriptions, dental, vision, and other needs. Cortney dispels myths about supplemental coverage, such as Plan G being different among providers, and highlights that plans provide uniform coverage across accepted providers.For more information about Cortney Dale and Sunflower Insurance Solutions, visit: https://sunflowersenior.com/On this episode of Coffee with Cortney, insurance updates, information and local advise is given by Cortney Dale about how to handle the wild world of Medicare.For more information about Cortney Dale and Sunflower Insurance Solutions, visit: https://sunflowersenior.com/

This week's Coffee with Cortney emphasizes educating listeners about Medicare, focusing on its complex parts like A, B, and especially Part D, which covers prescription drugs. Host Cortney Dale discusses the complexities and common mistakes associated with choosing and enrolling in Medicare plans, such as delaying Part D enrollment and the resulting penalties. They highlight the importance of seeking professional guidance to avoid increased costs and being locked into unsuitable plans. The program aims to demystify Medicare, making it easier for individuals to understand and make informed decisions about their healthcare.For more information about Cortney Dale and Sunflower Insurance Solutions, visit: https://sunflowersenior.com/On this episode of Coffee with Cortney, insurance updates, information and local advise is given by Cortney Dale about how to handle the wild world of Medicare.For more information about Cortney Dale and Sunflower Insurance Solutions, visit: https://sunflowersenior.com/

In this episode of "Coffee with Cortney", listeners are guided through the complexities of Medicare planning. They discuss the implications of Dr. Oz's appointment as the new leader of Medicare, highlighting that no immediate changes have been implemented, at least yet. Cortney Dale emphasizes the importance of understanding Medicare Advantage versus traditional Medicare, stressing that Medicare Advantage plans are not effective in western Kansas.The episode also educates listeners about the gaps in Medicare coverage and the significance of supplemental plans like Plan G or N. Listeners are encouraged to review their plans regularly, especially if their circumstances change, ensuring they have the appropriate coverage in place without unexpected out-of-pocket costs.For more information about Cortney Dale and Sunflower Insurance Solutions, visit: https://sunflowersenior.com/On this episode of Coffee with Cortney, insurance updates, information and local advise is given by Cortney Dale about how to handle the wild world of Medicare.For more information about Cortney Dale and Sunflower Insurance Solutions, visit: https://sunflowersenior.com/

In this episode of "Coffee with Cortney," Cortney Dale from Sunflower Insurance Solutions guides listeners through the complexities of Medicare and highlights often overlooked coverage gaps. Courtney explains that while Medicare covers many medical needs, there are significant exclusions, such as certain weight loss drugs and home health care services. She emphasizes the importance of consulting with knowledgeable insurance professionals to fill these gaps with supplementary policies like home health care insurance. Cortney also touches on the capped out-of-pocket costs under the Inflation Reduction Act and advises on the annual election period for reviewing Medicare plans. For more information about Cortney Dale and Sunflower Insurance Solutions, visit: https://sunflowersenior.com/On this episode of Coffee with Cortney, insurance updates, information and local advise is given by Cortney Dale about how to handle the wild world of Medicare.For more information about Cortney Dale and Sunflower Insurance Solutions, visit: https://sunflowersenior.com/

In the latest episode of "Coffee with Cortney," host Cortney Dale of Sunflower Insurance Solutions provides valuable insights into navigating the complexities of Medicare, emphasizing the importance of understanding the different parts of Medicare, such as Parts A and B, which are integral to original Medicare.Cortney sheds light on the intricate enrollment process and the common confusion surrounding social security and Medicare and also touches on the gaps in Medicare coverage, such as dental, vision, hearing, and long-term care, and how to address them with supplemental insurance policies.For more information about Cortney Dale and Sunflower Insurance Solutions, visit: https://sunflowersenior.com/On this episode of Coffee with Cortney, insurance updates, information and local advise is given by Cortney Dale about how to handle the wild world of Medicare.For more information about Cortney Dale and Sunflower Insurance Solutions, visit: https://sunflowersenior.com/

As healthcare expenses continue to rise, understanding the intricacies of Medicare becomes crucial for a secure and comfortable retirement. Cortney sheds light on common misconceptions about Medicare, such as the belief that it covers all medical expenses after age 65, and emphasizes the importance of holistic retirement planning, including income, investments, taxes, legacy, and, importantly, healthcare.Cortney provides invaluable insight into Medicare components, such as Part A, Part B, and supplemental plans like Plan G and Plan N, explaining how they work and how to choose the right plan without overpaying. She also discusses the flexibility of changing supplemental plans throughout the year and how her team assists clients. Cortney's expertise helps demystify the often confusing world of Medicare.For more information about Cortney Dale and Sunflower Insurance Solutions, visit: https://sunflowersenior.com/On this episode of Coffee with Cortney, insurance updates, information and local advise is given by Cortney Dale about how to handle the wild world of Medicare.For more information about Cortney Dale and Sunflower Insurance Solutions, visit: https://sunflowersenior.com/

Cortney emphasizes the importance of understanding Medicare, given that many people have paid into it throughout their careers but may not fully grasp its intricacies. She discusses the recent changes in Part D Medicare enrollment and the $2,000 out-of-pocket cap for prescription drugs, noting some confusion about covered drugs and the necessity of prior authorizations. The episode also highlights the brokerage's role in aiding clients without direct charges, funded instead by commission from the insurance companies.Cortney also delves into the flexibility of supplemental coverage, explaining that changes can be made at any time of the year, unlike during the open enrollment period for Part D plans. This can result in significant savings for individuals who qualify for new plans. Additionally, Cortney touches on the importance of dental insurance, which is not covered by traditional Medicare, and notes the emergence of viable plans that benefit clients more effectively. She encourages listeners to reach out to Sunflower Insurance Solutions for tailored assistance in maximizing their Medicare benefits and exploring new dental insurance options.For more information about Cortney Dale and Sunflower Insurance Solutions, visit: https://sunflowersenior.com/On this episode of Coffee with Cortney, insurance updates, information and local advise is given by Cortney Dale about how to handle the wild world of Medicare.For more information about Cortney Dale and Sunflower Insurance Solutions, visit: https://sunflowersenior.com/

Discussing questions about Medicare in 2025 in regards to the drug cap, the 'donut hole', prescription drugs and more!For more information about Cortney Dale and Sunflower Insurance Solutions, visit: https://sunflowersenior.com/On this episode of Coffee with Cortney, insurance updates, information and local advise is given by Cortney Dale about how to handle the wild world of Medicare.For more information about Cortney Dale and Sunflower Insurance Solutions, visit: https://sunflowersenior.com/

12-13-2024 Post Open Enrollment Period by Sunflower Insurance SolutionsOn this episode of Coffee with Cortney, insurance updates, information and local advise is given by Cortney Dale about how to handle the wild world of Medicare.For more information about Cortney Dale and Sunflower Insurance Solutions, visit: https://sunflowersenior.com/

12-6-2024 Medicare Open Enrollment Closes Soon by Sunflower Insurance SolutionsOn this episode of Coffee with Cortney, insurance updates, information and local advise is given by Cortney Dale about how to handle the wild world of Medicare.For more information about Cortney Dale and Sunflower Insurance Solutions, visit: https://sunflowersenior.com/

11-15-2024 Navigating Medicare and Social Security by Sunflower Insurance SolutionsOn this episode of Coffee with Cortney, insurance updates, information and local advise is given by Cortney Dale about how to handle the wild world of Medicare.For more information about Cortney Dale and Sunflower Insurance Solutions, visit: https://sunflowersenior.com/

10-18-2024 Coffee with Cortney: Medicare Changes You'll See in 2025 by Sunflower Insurance SolutionsOn this episode of Coffee with Cortney, insurance updates, information and local advise is given by Cortney Dale about how to handle the wild world of Medicare.For more information about Cortney Dale and Sunflower Insurance Solutions, visit: https://sunflowersenior.com/

10-4-2024 Coffee with Cortney: 3 Big Changes to Medicare in 2025 by Sunflower Insurance SolutionsOn this episode of Coffee with Cortney, insurance updates, information and local advise is given by Cortney Dale about how to handle the wild world of Medicare.For more information about Cortney Dale and Sunflower Insurance Solutions, visit: https://sunflowersenior.com/

9-20-2024 Coffee with Cortney: Medicare Enrollment Upcoming + Gym Memberships by Sunflower Insurance SolutionsOn this episode of Coffee with Cortney, insurance updates, information and local advise is given by Cortney Dale about how to handle the wild world of Medicare.For more information about Cortney Dale and Sunflower Insurance Solutions, visit: https://sunflowersenior.com/

How much will Medicare’s price cuts on 10 of the most expensive medications, including diabetes, heart and arthritis drugs, ultimately save older adults at the pharmacy counter? And when will they get the savings? And who will benefit and when?On this episode of Coffee with Cortney, insurance updates, information and local advise is given by Cortney Dale about how to handle the wild world of Medicare.For more information about Cortney Dale and Sunflower Insurance Solutions, visit: https://sunflowersenior.com/

8-23-2024 Coffee with Cortney: The Fragile State of Medicare by Sunflower Insurance SolutionsOn this episode of Coffee with Cortney, insurance updates, information and local advise is given by Cortney Dale about how to handle the wild world of Medicare.For more information about Cortney Dale and Sunflower Insurance Solutions, visit: https://sunflowersenior.com/

Putting Cortney to the test with a round of retirement trivia and our topic this week is … Medicare.On this episode of Coffee with Cortney, insurance updates, information and local advise is given by Cortney Dale about how to handle the wild world of Medicare.For more information about Cortney Dale and Sunflower Insurance Solutions, visit: https://sunflowersenior.com/

What are some of the biggest myths and common misconceptions about Medicare? Help unwind the Medicare maze with Cortney Dale.On this episode of Coffee with Cortney, insurance updates, information and local advise is given by Cortney Dale about how to handle the wild world of Medicare.For more information about Cortney Dale and Sunflower Insurance Solutions, visit: https://sunflowersenior.com/

Medicare looks and feels confusing to us all. And it’s no wonder when you think about all the terms you’ve heard about it. Help unwind the Medicare maze with Cortney Dale.On this episode of Coffee with Cortney, insurance updates, information and local advise is given by Cortney Dale about how to handle the wild world of Medicare.For more information about Cortney Dale and Sunflower Insurance Solutions, visit: https://sunflowersenior.com/