For a Medicare Supplement quote, review, or help with your existing coverage, open the Medicare Supplement Questionnaire using the button above.
Choose New Applicant or Existing Client.
We will then follow up using your contact information, and discuss what is right for your needs.
Mike DeVito Sr. specializes in Medicare Supplement coverage. He has helped 1,000's of individuals, families, and businesses with insurance since 1989. He is the Agency Principal of MyInsuranceGuy, a family-run independent brokerage in Sycamore, Illinois.
Mike explains Original Medicare and traditional Medicare Supplement (Medigap) options, including Plans G and F and their high-deductible versions, where available and for eligible clients. He works with Medicare companies such as Blue Cross Blue Shield, HealthSpring, and Mutual of Omaha. He also helps you understand prescription drug coverage, enrollment timing, and the transition from employer coverage. Mike does not sell or represent Medicare Advantage plans.
The award-winning MyInsuranceGuy team also specializes in auto, home, life, commercial business, and group health insurance, with dedicated family and team members focused on each area. Across these insurance lines, the agency works with more than 100 highly rated insurance companies, offering the resources of a large brokerage and the personal service of a local family business.
Turning 65, retiring, or leaving employer coverage? Mike can help with next steps, including applying through Social Security for Medicare Parts A and B, or Part B if you already have Part A.
Open the Medicare Supplement Questionnaire using the button at the top of this page and choose New Applicant. Share your contact information and the quote details you know. Please complete a separate questionnaire for each person.
Mike will review your request and follow up for any additional details needed to prepare a quote. Do not include Social Security or Medicare numbers, account information, or payment information.
Your Medicare supplement and drug plan are separate. Changing your stand-alone Part D drug plan does not change your Medicare supplement.
• You do not need to change your supplement during fall open enrollment. Plans F, G, High Deductible F and High Deductible G generally continue while premiums are paid; premiums can change.
• You may apply to change supplements year-round. Underwriting or guaranteed-issue rules may apply.
• With Original Medicare and a supplement, October 15–December 7 is the annual opportunity to review and, if needed, change Part D for January 1. You need not switch if your current drug plan is still offered and meets your needs.
Prefer self-service? Compare and enroll in a stand-alone Part D plan through Medicare.gov, or call 1-800-MEDICARE (1-800-633-4227) for help. Part D plans are offered by private insurance companies approved by Medicare.
Our clients come first. Your questions, your coverage, and you are important to us.
As Mark Twain put it, “The report of my death was an exaggeration.” I’m very much alive! If I’m slower to reply than usual, I’m busy helping clients navigate Medicare, with a favorite non-alcoholic beverage close by.
Thank you for your patience.
Already sent this information? No need to resend it. For updates or additional help, use the Medicare Supplement Questionnaire at the top of this page and choose Existing Client.
For Part D plan changes, fall Open Enrollment runs October 15 through December 7, effective January 1 of the following year. Current coverage or billing problems, trouble getting medication, or approaching deadlines need prompt attention. Please flag those concerns clearly.
Respectfully, Mike DeVito, Sr.
Plain-English answers, with forms and guides from Medicare and Social Security.
Part A helps cover inpatient hospital care. Part B helps cover doctors, outpatient care and preventive services. Part C is Medicare Advantage, a private-plan alternative that bundles A, B and usually D. Part D is prescription drug coverage. Medigap Plans F and G are private supplemental policies that help pay certain Original Medicare out-of-pocket costs; they aren’t additional Medicare parts. Mike focuses on Medicare supplement insurance.
Apply through Social Security. Some people enroll automatically, so check your situation first. You can apply for Medicare without starting Social Security retirement benefits.
If you qualify based on group health coverage through current employment, use the Part B Special Enrollment Period. Apply through Social Security’s Part B-only process and request January 1, 2027. Start early while employer coverage is still active and ask Social Security to confirm your requested date.
For the paper route, complete CMS-40B and provide CMS-L564 employment and coverage information. CMS-40B is for someone who already has Part A. Ask your employer to complete its section. Keep copies and proof of submission. If the employer cannot complete the form, ask Social Security what alternative evidence it will accept.
Your six-month Medigap Open Enrollment Period begins the first month you are 65 or older and have Part B. Coordinate Plan G and Part D applications separately for January 1. Do not wait until the medical coverage ends to arrange drug coverage. Part D enrollment deadlines are different from the eight-month Part B SEP.
Confirm the employer plan’s last day, whether its drug coverage is creditable, and all replacement effective dates before ending coverage. COBRA and retiree coverage do not extend the current-employment Part B SEP. Consider any spouse or dependent coverage affected by leaving the group plan.
Apply for Part B only
Download CMS-40B
Download CMS-L564
Social Security Medicare guidance
When to buy Medigap
Drug plan Special Enrollment Periods
If you qualify for the employment-based Special Enrollment Period, CMS-L564 documents employment and group health coverage. Complete your section and ask the employer to complete theirs; submit it with your Part B application. Generally, you can enroll while covered through current employment or within eight months after the employment or coverage ends, whichever happens first. COBRA and retiree coverage don’t extend this window. Check your situation with Social Security and your benefits administrator before delaying Part B.
IRMAA is an income-related extra charge for Part B and Part D. Social Security generally uses tax information from two years earlier, so retirement income can differ greatly from the income initially used. Work stoppage or reduction can support a request for a new determination using SSA-44 and proof of the event and more recent or estimated income. Each Medicare enrollee should have their own determination reviewed.
Contact Social Security as you plan retirement to ask what documentation and timing apply. The form allows reporting certain anticipated reductions, but does not guarantee advance clearance or approval. If an IRMAA notice arrives, follow its instructions promptly. A life-changing-event request is different from a formal appeal of an incorrect decision; do not ignore the notice’s deadlines.
Prepare your retirement date and evidence, tax filing status, adjusted gross income and tax-exempt interest for the relevant years. MAGI is tax-based, not simply total cash flow: taxable pension/IRA distributions, taxable Social Security and investment income can matter, while withdrawing savings principal or qualified Roth distributions generally does not itself increase AGI. Ask your tax adviser to confirm your estimate.
Use the official SSA-44 form or SSA’s online request. A lower income estimate does not automatically remove IRMAA. Premiums and income thresholds change by year. Confirm the final 2027 figures when available; 2026 figures are not a 2027 quote.
Request a lower IRMAA
Download SSA-44
Social Security’s Medicare premium guidance
Part D is prescription drug (RX) insurance. Medicare sets the program rules, and Medicare-approved private insurers offer the plans. Please use Medicare Plan Finder with your exact prescriptions and preferred pharmacies to compare coverage and estimated annual costs. For help, call 1-800-MEDICARE (1-800-633-4227).
Compare Part D plans Contact Medicare
How does Part D protect me from high drug costs?
The annual out-of-pocket limit for covered Part D drugs is $2,100 in 2026 and $2,400 in 2027. After you reach the applicable limit, you pay no more out of pocket for covered Part D drugs for the rest of that calendar year. Premiums and noncovered drugs are outside this limit. Please check your plan’s Explanation of Benefits for what counts toward your limit.
What is a formulary, and what if my medicine costs too much?
A formulary is your plan’s covered-drug list. Drugs can have different cost tiers, coverage rules and pharmacy prices. Please ask your prescriber about medically appropriate alternatives. If appropriate, your prescriber can support a coverage or tiering exception request. Do not stop, switch or change a medication on your own.
Can I use GoodRx, BuzzRx, Cost Plus Drugs or TrumpRx instead?
These are discount, pharmacy or price-comparison resources, not insurance or replacements for Part D’s financial protection for covered drugs. Please compare the cash price with your plan price. Discount purchases made outside Part D and noncovered drugs do not count toward your Part D deductible or out-of-pocket limit. Check each offer’s eligibility rules: manufacturer coupons may exclude people enrolled in Medicare. Ask your pharmacist before using an offer.
Why might I owe both a plan premium and a Part D IRMAA charge?
Your insurer charges the plan premium. Part D IRMAA is a separate income-based amount determined by Social Security and paid to Medicare, often through a deduction from your benefit payment. Paying one does not pay the other. Please ask your insurer about its premium and billing, and Social Security about an IRMAA determination or income change.
Who should I contact for help?
For Part A or B coverage and claims, please contact Medicare; Social Security handles most enrollment and IRMAA determinations. For a Part D drug claim, formulary, pharmacy issue or plan bill, contact your drug insurer using the number on your card. For Medigap coverage or billing, contact your supplement insurer or Mike. For general questions, use the Medicare Supplement Questionnaire at the top of this page. Thank you for keeping each person’s coverage and medication information separate.
Contact Medicare · Social Security Medicare help
How can I check a suspicious Medicare or Social Security message?
Please pause before sharing a Medicare number, password, security code or payment details. Do not rely on caller ID or links in an unexpected message. Independently call the official number on your card or a verified government website: Medicare at 1-800-633-4227 or Social Security at 1-800-772-1213. Report suspected Medicare fraud through Medicare or HHS-OIG, and Social Security scams through SSA’s official scam page. Thank you for checking first.
Use these official guides from Medicare and Social Security:
Your Initial Enrollment Period usually lasts seven months: the three months before your 65th-birthday month, your birthday month, and the following three months.
For this example, January 1 is generally the earliest age-based Medicare start date. Your Initial Enrollment Period is October 2026 through April 2027. Enroll during October, November or December 2026 for a January 1 Part B start. If you already receive Social Security, check whether enrollment will be automatic.
• Apply for Parts A and B through Social Security and confirm the effective dates.
• Ask Mike to help arrange a separate Medicare supplement, such as Plan G, for January 1.
• Choose and enroll in a separate Part D prescription plan before January, using your initial eligibility enrollment window, and confirm its January 1 start.
The Social Security application does not automatically enroll you in Medigap or Part D. A January 1 birthday follows a schedule one month earlier; disability and other eligibility rules may differ. If you are leaving employer coverage, check your Special Enrollment Period with Social Security.
Check Medicare enrollment dates
Apply through Social Security
Compare Part D plans
Most people apply for Part A and Part B through Social Security at SSA.gov. Railroad beneficiaries may use the Railroad Retirement Board. Applying is not the same as being approved; processing time varies.
After Social Security establishes Medicare entitlement, its guidance says the Medicare number can become available in a my Social Security account about 24 hours later. Check the benefit verification letter. The Medicare card generally arrives about two weeks after the application is processed. These are estimates after processing, not a promise of approval within 24 hours or receipt two weeks after you first apply.
You do not have to wait for the physical card once your Medicare number and coverage start dates are available. Your Medicare number is different from your Social Security number. The original Medicare card is paper. Check the Part A and Part B effective dates; having the card does not mean coverage has already started.
You can preview Part D plans while waiting for your Medicare number. You need the number and eligibility information to complete enrollment. If a deadline is approaching, contact Social Security about the application and Medicare about your enrollment options.
Some Medigap insurers may accept an application pending your Medicare number. Ask Mike to confirm the carrier’s requirements and when the number must be supplied. An application pending information is not proof that coverage has been approved or started.
Use your assigned Medicare number to set up your Medicare.gov account and access your official card.
Medicare number timing guidance
Find your Medicare number
What happens after enrollment
Check application status
Access your Medicare account
Your red, white and blue card shows your Medicare number, whether you have Part A, Part B or both, and their coverage start dates. Keep your number private.
Sign in to your secure Medicare.gov account to print an official copy of your Medicare card. You can also order a replacement through your account or call 1-800-MEDICARE (1-800-633-4227). If you receive Railroad Retirement Board benefits, call 1-877-772-5772.
For Original Medicare, bring the official printed copy and your Medicare supplement card to your doctor or hospital. Keep your Part D card available for prescriptions. Medicare Advantage members generally use their plan’s membership card for care.
If you cannot print a copy before your procedure, call the provider’s registration office ahead of time and ask what information they need to verify coverage. Call Medicare if you need help getting your number or replacement card. Do not wait until the appointment to resolve missing insurance information.
Protect your Medicare number and avoid sending it to unsolicited callers or through public forms.
Start at SSA.gov/myaccount and choose Login.gov or ID.me. If you already use one of those services, sign in with that account; you only need one provider. Otherwise, use your own email to create an account, confirm your email, set up a second security step, and complete the identity check. Have government-issued photo ID ready and follow the official prompts.
Creating an account does not itself enroll you in Medicare. The old Social Security username-and-password sign-in is no longer available.
Keep your passwords and security codes private. Enter identity information only in the official secure process. If someone helps you, keep control of your account. Ask us about a secure way to provide any documents needed for your insurance application.
Instructions checked October 14, 2026; screens can change.
After you have your assigned Medicare Number, start at Medicare.gov’s account sign-in page. Choose Login.gov, ID.me or CLEAR, reuse an existing account with your chosen service or follow its setup and identity-verification prompts, then create or connect your Medicare account. These Medicare sign-in options are free.
Medicare and Social Security remain separate services even when you use the same sign-in provider. If you connect an existing Medicare account to an identity service, its old Medicare username and password will stop working. Your Medicare account can help you print your card, review Original Medicare claims and save medications for plan comparisons.
Keep your passwords and security codes private. Enter identity information only in the official secure process. If someone helps you, keep control of your account. Ask us about a secure way to provide any documents needed for your insurance application.
Instructions checked October 14, 2026; screens can change.
GSA announced America.gov on September 29, 2026 as a gateway to federal information. USA.gov is also an official directory. For Medicare and Social Security benefit decisions, please verify directly with Medicare.gov or SSA.gov. Asking a question does not submit an application or enroll you. Do not enter personal identifiers, passwords or private medical details.
GSA announcement · Explore America.gov · USA.gov
For current Medicare enrollment, please apply through Social Security.
If access to Mayo Clinic matters to you, including for cancer care or another complex illness, check your coverage before choosing a Medicare plan.
Mayo Clinic says it accepts Original Medicare and supplemental coverage, and does not accept noncontracted Medicare Advantage plans. Some Medicare Advantage plans are contracted at particular Mayo locations, so the exact plan and location matter.
Confirm your specific campus, doctor or care team, plan name and plan year with both Mayo and the insurer. Ask about referrals, prior authorization, costs and appointment availability. Accepted insurance does not guarantee an appointment with a particular clinician.
Before changing coverage, also check whether you can obtain the Medigap policy you want and what it will cost. Medigap enrollment protections do not automatically restart each fall.
Sources checked October 14, 2026. Verify coverage for the year you are enrolling.
Qualifying group coverage through your or your spouse’s current employment may allow enrollment through a Special Enrollment Period without a Part B late penalty. Social Security reviews the actual employment and coverage dates. The insurer’s name alone does not prove eligibility; employer size also affects who pays first. COBRA and retiree coverage have different rules.
Apply for both Parts A and B through Social Security; CMS-40B alone is for people who already have Part A. Provide employer evidence, usually CMS-L564, and request your desired Part B start. Keep the employer’s creditable prescription coverage notice for Part D. Do not assume any gap shorter than eight months is automatically harmless; ask Social Security to review the full history.
Important HSA warning: Premium-free Part A can begin retroactively, up to six months before a later application, but not before initial eligibility. You cannot assume Part A will wait until January 1. Recent HSA contributions may need attention; discuss the application date, retroactivity and any corrections with Social Security and your tax adviser before applying. Premium-free Part A generally has no late enrollment penalty; premium Part A rules differ.
Coordinate the new Part B date, Medigap Plan G and separate Part D plan so replacement coverage begins when the employer plan ends. Do not treat the 63-day Part D penalty threshold as a recommended coverage gap.
Apply for Medicare through Social Security
Working past 65
Social Security Medicare guidance
You may qualify through a current spouse’s Medicare-covered work record. For the usual age-based route, you must be at least 65, your spouse generally must be at least 62 with enough qualifying work (usually 40 quarters), and the marriage requirement must be met (generally one year, with exceptions).
In the example of a 64-year-old spouse and a marriage lasting more than 20 years, the spouse’s age and marriage duration generally meet those requirements. Social Security must verify the records and all eligibility conditions. Your spouse need not already be on Medicare or receiving retirement benefits for this route.
Ask Social Security to check both work records. Some public employees paid Medicare taxes even if they did not pay Social Security taxes, so lack of a Social Security retirement benefit does not necessarily mean lack of Medicare eligibility.
If approved for premium-free Part A, its monthly premium is $0. That does not make all Medicare coverage or medical care free. Part B normally has a monthly premium, possibly higher based on income; Medicare Savings Programs may pay premiums for eligible people. Supplements and Part D have separate costs.
For a January 5, 2027 birthday, apply during October–December 2026 and request January 1, 2027 for A and B. Provide spouse and marriage information only through Social Security’s official application process. Coordinate employer coverage before making changes. The final 2027 Part B premium must be confirmed when announced; a 2026 amount is not a 2027 quote.
Enrolling in Part A and Part B — spouse example on page 18
Original Medicare eligibility
Social Security spouse eligibility guidance
Medicare Savings Programs
Age 65 alone does not end HSA eligibility, but Medicare enrollment does. From the first Medicare-covered month, including retroactive coverage, the HSA contribution limit for those months is zero. This affects both employee and employer contributions. You can still use existing HSA funds for qualified expenses. Some Medicare premiums qualify after age 65; Medigap premiums generally do not.
Before enrolling in any part of Medicare or claiming Social Security, confirm the school’s plan is HSA-qualified, how employer coverage coordinates with Medicare, whether its drug coverage is creditable, and whether other coverage disqualifies you from HSA contributions. Social Security entitlement at 65 or later generally brings Part A with it. Obtain advice before choosing to delay benefits solely for HSA reasons.
Qualifying current-employment group coverage can support a later Part B SEP without a late penalty; employer size affects coordination of benefits, and Part D requires a separate creditable-coverage check. Do not assume any school policy qualifies merely because it is a Blue Cross PPO.
Plan ahead for Part A retroactivity, which can reach back six months when enrolling after 65. Coordinate the last eligible HSA month with HR and a tax adviser before applying. Ask them to calculate the prorated contribution limit and any permitted contributions attributable to earlier eligible months, or corrections for excess contributions. The date money is deposited alone does not resolve eligibility.
IRS guidance on HSAs
Medicare while working past 65
Social Security Medicare guidance
You may be able to end Part B and rely on qualifying coverage through your spouse’s current employment. First get written confirmation of your eligibility, coverage start date, which plan pays first, benefits and drug coverage. Do not cancel anything until replacement coverage and the consequences are clear.
Social Security handles Part B termination, generally using CMS-1763 and an appointment. Coverage usually ends on the last day of the month after you submit the request. Obtain confirmation. Premium-free Part A generally cannot simply be canceled; retaining Part A also affects HSA eligibility.
Medigap and Part D are separate contracts with separate termination rules. Discuss them with their insurers and Medicare, confirm any applicable Part D enrollment/disenrollment window, and coordinate dates. Dropping Part B does not automatically cancel those plans.
Qualifying group health coverage through current employment may allow Part B reenrollment through a SEP without a late penalty. Keep employer coverage records and creditable drug coverage notices. The Part B SEP and Part D deadlines differ; COBRA or retiree coverage does not extend the current-employment Part B SEP.
Before canceling Medigap, understand your later ability to buy it. Your original six-month Medigap Open Enrollment Period does not restart when you reenroll in Part B. State protections, guaranteed-issue rights and underwriting may determine your options. Ask Mike and the insurer to check your situation before deciding.
How to drop Part A or Part B
Manage Medicare with Social Security
Medigap enrollment timing
Medicare and current employment
Usually, keeping Part A does not by itself remove you from a spouse’s group plan based on current employment. For people 65 or older, a qualifying employer plan with 20 or more employees generally pays first, and Medicare pays second for services it covers. Smaller employers and other circumstances can have different rules. Ask the benefits administrator and Medicare to confirm coordination before changing coverage.
Part A enrollment affects your own eligibility to contribute to an HSA, including any retroactive Medicare months. It does not automatically disqualify your spouse from contributing to their own HSA if they independently meet the requirements. Ask a tax adviser to check contribution limits and timing.
Keeping Part A does not stop Part B premiums or cancel Medigap or Part D. Do not drop any coverage until replacement coverage, enrollment rights and drug coverage have been reviewed. Retiree coverage has different rules.
Which coverage pays first
Medicare while working past 65
IRS HSA eligibility guidance
Do not assume that domestic-partner coverage protects you from a Part B late-enrollment penalty, even when the employer is very large. For Medicare based on age 65, the usual current-employment Special Enrollment Period applies to coverage through your own or your spouse’s work.
Certain legally recognized relationships may be treated as spousal relationships under Social Security’s rules. Social Security must evaluate your legal relationship, state law and coverage history. An employer’s decision to offer domestic-partner benefits does not settle your Medicare enrollment rights.
Before declining or dropping Part B, call Social Security at 1-800-772-1213 and specifically explain your domestic-partner status. Ask them to confirm whether your coverage supports later Part B enrollment without a penalty. Also ask Medicare and the employer to confirm who pays first; do not assume the employer is primary just because it has thousands of employees.
Without a qualifying enrollment exception, delaying Part B can lead to a coverage gap and an ongoing premium penalty. Part D uses separate creditable drug coverage rules, so protection from a drug-plan penalty does not establish Part B protection.
Part B-only enrollment and eligibility
Social Security relationship rules
Domestic-partnership opinion — section E
Additional Social Security relationship guidance
Avoid Medicare late-enrollment penalties
Possibly on a simplified calculation, but first verify that the employer plan will pay your claims properly without Part B. A $0 payroll premium does not mean $0 medical costs or prove the plan is primary.
If Social Security counts five full 12-month periods subject to a Part B late penalty, the surcharge is generally 50% of the standard Part B premium for as long as you have Part B.
2026 illustration only: Using 2026’s $202.90 standard premium, the extra is about $101.45 monthly, or $1,217.40 yearly before billing rounding. At an unchanged premium, $25,000 of net savings would equal approximately 20.5 years of that surcharge.
This is not a forecast: future standard premiums, annual premium changes, cost sharing, taxes and the time value of money affect the comparison. IRMAA is separate. The supplement premium is not part of the Part B penalty calculation.
Confirm three issues before deciding:
1. Whether Social Security recognizes the relationship and coverage for a Part B SEP.
2. Whether the employer plan pays primary without Medicare Part B and what benefits you would actually receive.
3. How coverage dates will align when employer insurance ends.
Without a qualifying SEP, there is no automatic eight-month employer-loss enrollment window; the January–March General Enrollment Period or another applicable enrollment exception may be needed.
If you have never had Part B, your initial six-month Medigap Open Enrollment Period generally starts when Part B begins at age 65 or older, even at age 70. A late Part B penalty does not by itself remove this first window. If you previously had Part B, dropping and restarting it does not reset the window. Age-based pricing and state rules still matter.
Part D creditable coverage and enrollment timing are separate. Review this decision with Social Security, Medicare and the employer benefits administrator before declining coverage. A break-even calculation alone cannot establish that delaying is a safe or better choice.
Medicare late-enrollment penalty rules
Your first Medigap enrollment window
When Medicare coverage starts
Updated October 18, 2026
Medicare Open Enrollment is underway
October 15–December 7 is the annual window to review or change Medicare Advantage or Part D coverage for January 1, 2027. Compare prescriptions, pharmacies, doctors, benefits and total costs.
October 28, 2026: approval checks for certain medical equipment.
Starting October 28, Original Medicare expands prior authorization requirements for selected back and knee braces, air-fluidized beds and ultralightweight manual wheelchairs. Some qualifying suppliers are exempt. Separate requirements for selected elbow and wrist-hand braces begin January 26, 2027 in Illinois. Before delivery, ask your prescribing clinician and Medicare supplier to confirm the exact equipment, required documentation and whether approval is needed. This does not apply to every device or guarantee coverage.
Official CMS equipment requirements
Social Security announces a 3.6% COLA for 2027
Social Security announced the increase October 14. Social Security benefits increase in January 2027; the SSI increase begins December 31, 2026. Your net payment depends on applicable deductions.
SSA announcement · SSA COLA information
2027 high-deductible Medigap Plans F and G: $3,050
The annual deductible is $3,050 beginning January 1, 2027. Premiums do not count toward this deductible.
CMS 2027 high-deductible Medigap notice
2027 Part B premium and deductible: awaiting final CMS figures
Final 2027 Part B premium, deductible and IRMAA figures have not been verified as of October 18, 2026; projections are not final. For 2026, the standard Part B premium is $202.90 per month and the annual deductible is $283. Income-related charges may apply. Please check Medicare.gov for official updates.
2026 Trustees Report, Table V.E2 (printed page 207) · Medicare costs
2027 Part D cost limits
For 2027, the maximum Part D deductible is $700. Some plans have a lower deductible or no deductible. The annual out-of-pocket limit for covered Part D drugs is $2,100 in 2026 and $2,400 in 2027. Premiums and noncovered drugs are excluded. Please check your plan’s Explanation of Benefits for what counts toward your limit.
Medicare & You 2027 · CMS 2027 Part D parameters
A reminder about Medicare supplements
Fall Open Enrollment does not automatically give you guaranteed-issue rights to change Medigap policies. Eligibility depends on your circumstances and state protections. Check your options before dropping existing coverage.
Medicare GLP-1 Bridge
This temporary program runs July 1, 2026 through December 31, 2027. Eligible beneficiaries may receive certain weight-management medicines for a $50 monthly copayment, subject to medical criteria and prescriber prior authorization. Not everyone qualifies. Bridge copayments do not count toward the regular Part D deductible or out-of-pocket limit. Please ask your prescriber about eligibility.
Coming in 2027: potential savings on certain Part B medicines.
CMS finalized the GLOBE model on September 30, 2026. It begins January 1, 2027, with possible lower coinsurance for selected Part B medicines starting April 1. It applies only to a selected group of people whose primary coverage is Original Medicare, not everyone. CMS expects to publish the geographic eligibility list by January 16, 2027. No application is needed. Your savings depend on the medicine, eligibility and supplemental coverage. This is separate from Part D prescription drug (RX) coverage.
One-time Part B rebate
CMS announced a one-time $90 payment in October 2026 for certain qualifying beneficiaries. This is not a monthly payment or a promise that every beneficiary will receive it. Please read the official CMS FAQ and call 1-800-MEDICARE (1-800-633-4227) to check individual eligibility. Thank you for verifying before sharing personal information.
Your Medicare Coverage Choices: A one-page overview of Original Medicare, Medigap, Part D and Medicare Advantage.
2026 Medicare Supplement Plan G Guide: Learn what Plan G covers, what you pay, enrollment timing and how Mike compares carriers.
About MyInsuranceGuy: Meet our family brokerage and learn how we help with Medicare and other insurance needs.
Mike helps people throughout Illinois, including Cook, DuPage, Kane, Lake, McHenry, Will, Kendall and DeKalb counties, to name a few, prepare for retirement, understand Medicare enrollment, compare coverage and get support after the sale.
• Public and private school employees and retirees
• City of Chicago employees and retirees, municipal workers, and federal, State of Illinois and county employees
• Police officers, firefighters, EMTs and other emergency responders
• Doctors, nurses, hospital staff and other healthcare professionals
• Architects, insurance executives, insurance brokers and other professionals
• Professionals in sports, business leaders and people in government roles
People from every walk of life receive the same personal attention.
Born and raised in Chicago, Mike grew up helping his parents in the insurance business, from sorting client cards to preparing mailings. After losing his father at age 10, he continued helping his mother. He became a licensed insurance agent in 1989 at age 19, shortly before she passed away.
Mike continued his career with Mutual of Omaha, where extensive training strengthened his interest in Medicare. He later became an independent broker so clients could compare coverage from different insurers.
Today, MyInsuranceGuy is a family business. Karen DeVito, BSN, RN, leads the group insurance division. Michael and Trenton work in property, casualty and life insurance, while Mike focuses on Medicare. Their youngest son is in college.
Mike believes in clear explanations, honest recommendations and service after enrollment.
Mike considers all three when helping clients compare coverage:
• Out-of-pocket: What could you pay when you need care?
• Premium: What will your coverage cost each month?
• Access: Which doctors and hospitals can you use?
His preference is Original Medicare, paired with an appropriate Medicare supplement and a Part D prescription drug plan.
Medicare history: Medicare was signed into law on July 30, 1965, and coverage began July 1, 1966. It was created to help Americans age 65 and older access hospital and medical care at a time when about half lacked health insurance.
Mike favors Original Medicare, paired with an appropriate Medicare supplement and a separate Part D prescription drug plan, for its provider choice and help managing covered medical expenses.
Plan F and high-deductible Plan F are unavailable to people who first became eligible for Medicare on or after January 1, 2020.
If you were eligible before that date, you may still be able to buy either plan, even if you enrolled in Medicare later. Choosing Plan G or another plan does not erase that eligibility, but returning to Plan F is not guaranteed: availability and medical underwriting rules may apply unless you have a guaranteed-issue right.
Mike can help you check your options.
Whether you live in Illinois, visit family in Wisconsin, or spend the winter in Florida, Arizona, Texas or California, Original Medicare lets you use doctors and hospitals that accept Medicare anywhere in the United States.
A standard Medigap policy helps pay your share of Medicare-approved services according to its benefits. That nationwide flexibility is one reason Mike recommends this approach to snowbirds and frequent travelers.
Check that your provider accepts Medicare and is taking patients, and check your Part D plan’s pharmacy network before you travel.
Medicare SELECT policies may have network restrictions. Coverage is subject to Medicare rules and policy terms.
Our agency received Chicagoland SIA’s ISM of the Year recognition in 2021 and was voted Best Insurance Service in the 2026 DeKalb County’s Finest Readers’ Choice Awards.
Led by Michael and Trenton’s digital work, our team also won Chicagoland SIA’s 2026 Digital Excellence Award for its work in workflow automation, client onboarding and digital presence, with the presentation scheduled for October 29, 2026.
We’re grateful for our clients’ five-star Google reviews.
Mike qualified for Blue Cross and Blue Shield of Illinois’s True Blue℠ Agent Program for 2026 based on his 2025 Medicare Supplement sales.
Featured in VoyageChicago
September 2017
VoyageChicago featured Mike DeVito Sr. and the story behind MyInsuranceGuy in its Inspiring Stories series. Read about our family-owned brokerage, our personalized approach, and our commitment to helping clients protect what matters most.
Read the VoyageChicago interview
The MyInsuranceGuy Podcast
Listen to The MyInsuranceGuy Podcast for conversations about Medicare with Mike DeVito Sr.
The majority of our clients come to us through referrals from existing clients, friends, family and coworkers. Our agency has grown this way for decades, and many relationships span more than 30 years and multiple generations.
As Mike says, we build our business one client at a time. We believe trust is earned through honest advice, personal attention and dependable service.
As an independent insurance broker, Mike brings more than 35 years of experience and access to over 100 insurance companies across different lines of coverage.
For Medicare supplement insurance, also known as Medigap, his current preferred lineup includes Mutual of Omaha, Blue Cross Blue Shield of Illinois and HealthSpring. He helps clients compare the available plans based on their needs, pricing and eligibility.
Blue Cross Blue Shield of Illinois is a division of customer-owned Health Care Service Corporation, which also owns HealthSpring. Mutual of Omaha is based in Omaha, Nebraska, and operates within a mutual holding-company structure.
Mike values these ownership models because he believes they encourage a long-term focus on policyholders, without publicly traded shareholders.
These insurers can earn profits and retain funds for claims, reserves and future growth; surplus is not automatically returned to policyholders. Coverage, pricing and service still matter when choosing the right fit.
204 South Main Street, Sycamore, Illinois 60178, United States
815-899-0950 — Calls only. This number does not accept text messages.