TIPS TO LEVEL UP YOUR HOME COOKING! BREAK FREE FROM BORING
Do you regularly make meals for yourself or your family? Have you ever struggled to decide what to make? Are you tired of your regular menu of recipes and dishes? If you answered yes to these questions, know that you’re not alone. Many individuals grow tired of cooking the same dishes, especially if they get on a routine of making the same five dinners every week. However, you don’t need to feel this way. Trying something new in the kitchen is easier than ever! Here are two ways to revitalize your passion for cooking while discovering new recipes. GET OUT OF YOUR COMFORT ZONE. How many different cultures do you know recipes from? You are probably familiar with Italian, Mexican, and even some
Chinese dishes, but how often do you explore dishes from cultures you know little about? Trying out recipes from new cultures can be incredibly fun. However, it can be challenging to know where to
start. Simply pick a country with a cuisine that interests you and Google what they eat for breakfast, lunch, or dinner. You’ll receive a few different options to choose from. Want to get even more adventurous? Consider combining ideas from multiple cuisines to create a unique fusion dish! DEVIATE FROM THE RECIPE. Many amateur cooks follow each recipe without missing a step. However, if you’re making the same things every week, these recipes can grow stale quickly. Instead of trying to find something brand- new to make, consider swapping out ingredients. Change out the spices, sides, or even the proteins to create something entirely new and delicious. KEY POINTS ABOUT M3P: 1. There is no cost to participate, and it’s voluntary. 2. Payments are evenly spread throughout the year — easier on your budget! 3. Costs can adjust if your medications change. 4. Ideal for those hit with high costs early in the year. 5. You’ll pay your insurance plan directly instead of the pharmacy.
INTRODUCING THE M3P
Picture this: It’s January and my phone rings. On the other end, I hear an angry, stressed voice, “Chris, I’m at the pharmacy, and the pharmacist just told me I owe $2,000 for my meds! What the heck is going on?” Sound familiar? If you’re nodding your head, stick around — I’ve got answers! LET’S TALK ABOUT THE INFLATION REDUCTION ACT. In 2022, while we were all distracted by infrastructure spending and COVID-19 relief, Congress snuck in massive Medicare changes. The biggest since Medicare began in 1965! If you’re on high-cost meds like Eliquis, Ozempic, or Xarelto, you know the pain of the infamous donut hole. (Spoiler alert: It’s not a tasty treat — it’s a nightmare for your wallet!) THE GOOD NEWS? No more donut hole! Thanks to the Inflation Reduction Act, there’s now a $2,000 cap on your out-of-pocket drug costs. That means no more $4,000 or $5,000 bills.
THE CATCH? To fund the cap, many Medicare Advantage plans added deductibles to their drug coverage. For some, January has been a shocker at the pharmacy counter. Even if your meds aren’t super expensive, that deductible can still sting. SO, WHAT CAN YOU DO? Introducing the Medicare Prescription Payment Plan (M3P) — also called “Smoothing.”
Pro tip: The earlier you enroll, the more manageable your payments will be.
The bottom line? Your Medicare drug
plan has changed. You now have the option to level off your copays instead of paying a big lump sum upfront.
HERE’S HOW IT WORKS: Instead of paying a $2,000 bill all at once (ouch!), you can spread the cost evenly over the year. Let’s say your meds cost $2,000 in January. Instead of scrambling to pay that, you enroll in
QUESTIONS? NEED HELP? Call us at 402-614-3389 or
visit OmahaInsuranceSolutions. com to speak with a licensed insurance agent professional.
We are here to make Medicare less stressful and your prescriptions more affordable. Helping you navigate Medicare is what we do best. Let’s tackle those pharmacy bills together!
the M3P program and set up a monthly payment plan — just $167/month. No financing fees, no surprises, just manageable monthly payments.
2 • OmahaInsuranceSolutions.com
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