Craig Glynn, Medicare Insurance Agent
Craig Glynn
Your Medicare Made Simple
Medicare Agent Licensed in MI
Contact Details
-
Location
Saginaw, MI
About Me
I help individuals turning 65 and those already on Medicare understand their coverage options. My approach is educational first. I take time to explain how Medicare works, review your doctors and prescriptions, and help compare available plans so you can make an informed decision. As a local licensed agent, I provide one-on-one guidance, answer questions year-round, and assist with enrollment when you are ready. There is no cost for consultations. Not affiliated with or endorsed by the U.S. Government or the federal Medicare program."
Q&A with Craig Glynn
How will the new 2025 Medicare Part D out-of-pocket cap impact seniors and prescription drug costs?
Answer: The Medicare Part D out-of-pocket cap is a major change for seniors who have high prescription drug costs.
Starting in 2025, Medicare Part D put a $2,000 annual limit on what people with Part D coverage had to pay out of pocket for covered prescription drugs. After reaching that limit, Medicare drug plans paid 100% of covered Part D drug costs for the rest of the year.
For current information: The cap is $2,100 in 2026, adjusted annually after the $2,000 limit in 2025.
My doctor prescribed physical therapy, but I'm not sure how many visits Medicare will cover. How do I find out?
Answer: With Original Medicare, there is no yearly limit on medically necessary outpatient physical therapy visits. Your doctor or other qualified provider must certify that you need the therapy. After you meet your Part B deductible.
If you have a Medicare Advantage plan, the rules and costs can be different, so you should check your specific plan.
The easiest way to find out what you’ll pay is to ask your physical therapist or doctor:
Can my employer reimburse my Medicare premiums?
Answer: Yes, your employer may be able to help pay your Medicare premiums, but it depends on the type of employer coverage or reimbursement program they offer.
The most important thing is to check with your employer before making changes to your Medicare coverage. Medicare rules can vary depending on your employment status and the type of coverage you have.
What is the best supplement plan to have that will pay for prescriptions?
Answer: If you have a Medicare Supplement (Medigap) plan, it does not include prescription drug coverage. Medigap helps pay some of the costs that Original Medicare does not cover.
For prescription medicines, you usually need a separate Medicare Part D plan. When choosing a Part D plan, it is important to make sure your prescriptions are covered and that your preferred pharmacy is included in the plan’s network. Comparing plans can help you find the coverage that best fits your medications and budget.
Which states have 5-star Medicare Advantage plans available?
Answer: Many states have Medicare Advantage plans rated 5 stars for 2026, but availability depends on your county and ZIP code. In Michigan, most highly rated plans have 4 or 4.5 stars, and not all plans are available statewide.
What are the reasons why I should work with a Medicare agent?
Answer: Working with a Medicare agent can make choosing the right coverage easier. An agent can explain your options, compare plans and costs, check your doctors and medications, and help you avoid costly mistakes. They can also review your coverage each year to make sure your plan still meets your needs.
I'm on Medicare but recently declared bankruptcy due to medical bills. How will this affect my coverage and options going forward?
Answer: If you have Medicare, bankruptcy usually will not stop your Medicare coverage. You can keep your Medicare if you stay enrolled and pay any required premiums.
After bankruptcy, you may have a lower income or fewer resources. You may qualify for help paying Medicare and prescription costs.
Keep paying your Medicare premiums. Do not stop payments unless Medicare tells you that you no longer owe them.
A bankruptcy lawyer or legal-aid counselor can help you understand which medical bills were cleared by bankruptcy and whether you can get extra help with Medicare costs.
This is general information and is not legal advice