Lokal Insurance Group

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Lokal Insurance Group

Confident retirement starts with the right plan.

Retirement planning | Medicare & health benefits
No-cost lifelong support | 50+ years of experience

Call for clear, personal guidance: 316-237-0900

https://lokalinsurance.com

07/10/2026

More and more people are turning to AI for Medicare guidance. But a confident answer doesn’t mean it’s accurate—or the right answer for YOUR situation. 👀

Ask, “Is my Plan G still a good plan?” and you might get a great explanation of the coverage… without finding out whether you’re overpaying or have better options.

The question you ask, the details you provide, and the information AI can actually verify all affect the answer. Missing details could mean missed opportunities—and potentially thousands in unnecessary costs.

Use AI to help research an experienced, licensed Medicare broker. Then ask that broker to verify your options, costs, and coverage before making a decision.

🎥 Watch before letting a chatbot guide your Medicare strategy.

Follow for more Medicare guidance, and share this with someone using AI to research their coverage.

07/10/2026

Here’s something many retirees don’t realize:

Your retirement income can affect what you pay for Medicare.

It’s not just Social Security. Interest, dividends, and certain investment income may count too.

If your income goes above certain limits, you could pay more for Medicare Part B and Part D through something called IRMAA.

That means a financial decision that looks good on paper could also increase your Medicare costs.

Medicare and retirement planning go hand in hand.

Before making a major income or investment decision, make sure you understand the full picture.

05/10/2026

💵 $90 Medicare payments are coming—but paying your Part B premium doesn’t automatically mean you qualify.

Millions will receive the payment, while others—including people on Medicare Advantage—are excluded.

In this video, I explain who qualifies, where the money comes from, and what information you should check before payments arrive.

⚠️ You don’t need to apply. Don’t give an unexpected caller your banking information or pay a fee to “release” your money.

Watch, then tell me: Is this a good use of the Medicare Improvement Fund, or would you have used it differently?

Share this with someone on Medicare, and follow Lokal Insurance Group for more Medicare updates.

02/10/2026

🚨 October 1 pulled back the curtain on Medicare for 2027—and “I’ll just pick another plan” may be more complicated than you think.

Carriers are leaving markets. Some Medicare Advantage plans have enrollment caps. And now we can examine the actual coverage options for next year.

But if your plan is terminating, that cancellation letter could hold an opportunity you didn’t realize you had. 👀

Before you rush into another plan—or throw that letter away—watch this video. The third point could change the conversation entirely.

📅 Compare now. Annual enrollment runs October 15–December 7.

💬 Comment **OPTIONS**, and we’ll show you how to connect with me or another licensed Medicare expert to review what’s available in your area.

Share this with someone you care about. They deserve to understand their options before making a decision about next year’s coverage.

01/10/2026

🚨 Medicare just announced that average Medicare Advantage premiums are projected to FALL by 16.5% in 2027.

Sounds like great news—but don’t celebrate until you check two numbers.

The average premium is only expected to fall from $14.37 to $12 per month. That’s roughly $28 in annual savings.

Meanwhile, the separate Part D out-of-pocket cap is increasing from $2,100 to $2,400—and Medicare Advantage plans will be permitted to set medical out-of-pocket limits as high as $9,850 in-network or $14,800 combined in- and out-of-network for PPOs.

That doesn’t mean your specific plan will use those maximums. It means you need to check what YOUR plan is doing before assuming a lower premium makes it cheaper.

Watch this before deciding to keep the same coverage for 2027—and share it with someone on Medicare who needs to see it.

Comment “REVIEW” if you want help comparing what your plan will cost next year.

30/09/2026

📅 October 1st: We start seeing clients.
📅 October 15th: Open Enrollment begins.

If you’ve been putting off your Medicare review, you don’t have to wait until October 15th.

Starting October 1st, we’re sitting down with clients to review what’s changing, answer questions, and help you understand your options — so when October 15th arrives, you’re ready to make a decision.

And honestly? Getting it on the calendar early makes the whole process a lot easier.

We’re proud to call Wichita, KS home, while helping clients navigate Medicare all across the country. Local service, personal guidance, and a real person to talk to.

📞 Call 316-237-0900 to schedule your appointment.

October 15th doesn’t have to sneak up on you.

29/09/2026

🚨 Surprise! The No Surprises Act doesn’t apply to Medicare—even Medicare Advantage.

You still have billing protections. But one specific agreement with a doctor can change what you owe—and whether Medicare pays at all.

Would you recognize it before signing? Watch this before your next appointment. 👀

Share this with a friend or parent on Medicare, and follow for more Medicare explanations that help you ask the right questions before the bill arrives.

29/09/2026

Retirement doesn’t always turn out the way we pictured it.

For some people, the paycheck is missed.
For others, healthcare costs become a bigger concern than expected.
And sometimes… they simply miss having somewhere to be, people to see, and a reason to get up and go.

That’s why retirement planning isn’t just about asking, “Can I afford to retire?”

It’s also about asking, “What will I actually do once I retire?”

Before you make that leap, here are 3 things worth thinking about:

1. Know your “retirement number.”
Don’t just estimate your monthly expenses. Think about healthcare, travel, home repairs, helping family, and the things you want to spend money on.

2. Have a plan for healthcare.
Your healthcare costs can change significantly when you leave an employer plan. Know what your options will be before you turn in your badge.

3. Plan for purpose, not just free time.
What will fill your calendar when work no longer does? Part-time work, volunteering, travel, hobbies, family, or something completely new — retirement can be a lot more fulfilling when you have something to look forward to.

Retirement isn’t just about leaving work. It’s about knowing what you’re walking toward.

What’s one thing you’d want your retirement to have more of — time, travel, family, purpose, or something else?

28/09/2026

Medicare is not a “set it and forget it” decision.

Josh recently joined Kansas Now on KWCH 12 to discuss three things every Medicare beneficiary should do before Open Enrollment:

1️⃣ Read your Annual Notice of Change
2️⃣ Make a fresh list of your doctors and prescriptions
3️⃣ Have an independent advisor review your options

The goal isn’t to change plans just for the sake of changing. It’s to make sure the coverage you chose before still fits your healthcare needs today—because premiums, copays, drug coverage, provider networks and benefits can all change from one year to the next.

Know what’s changing. Know your options. Then make the decision that’s right for you.

If you or someone you love needs help reviewing coverage for 2027, that’s exactly what our team at Lokal Insurance Group is here for.

📞 316-237-0900
📍 Wichita, Kansas

25/09/2026

If I were choosing a Medicare Advantage plan for my mom, I wouldn’t start with the dental allowance, the grocery benefit—or even the monthly premium.

I’d choose it based on the year we hope she never has.

Because almost any plan can look good when you’re healthy. The real test comes when your health changes, you need specialists, expensive testing or treatment—and suddenly the fine print matters.

In this video, I’ll show you the question I wish more families asked before enrolling in any Medicare Advantage plan.

If you’d like help putting your current plan through the same test, comment TEST below.

📞 Lokal Insurance Group
316-237-0900

Address

505 S Broadway, #117

67202

Opening Hours

Monday	09:00 - 17:00
Tuesday	09:00 - 17:00
Wednesday	09:00 - 17:00
Thursday	09:00 - 17:00
Friday	09:00 - 17:00

Telephone

+18772188892

Website

http://lokalinsurance.com/

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