Medicare Open Enrollment is October 15 — December 7, 2024
Health Insurance Open Enrollment is November 1 — January 15, 2025
Health Insurance
Shopping for health insurance or looking for more affordable coverage? We can help with all of your Individual & Family needs.
Medicare
Turning 65? We can help! Together we can decide which Medicare and Prescription Drug Plan is the right one for you.
Already on Medicare? Schedule a review to go through your current plan and to discuss other options to consider.
Medicare Enhancements in 2025
The IRA was passed in 2022 and was designed to help meet climate goals as well as to benefit many vulnerable populations – including Medicare beneficiaries. Changes to Prescription Drug Plans went into effect in 2023 with a cap of $35 on Part D covered insulin. In 2025, three more changes arrive for Medicare plans with prescription drug coverage – with notable consumer benefits.
Maximum annual out-of-pocket cost capped at $2,000
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• After reaching your deductible, you pay your 25% cost-sharing
• When you reach $2,000 out of pocket, you pay $0 for prescription drugs for the rest of the year
• Excludes drugs covered by Part B
No more “donut hole” coverage gap phase
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• Now there is only the deductible, initial coverage phase and catastrophic (after you reach maximum out of pocket)
Spread out your prescription drug costs over the year
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• This can smooth your costs, helping you to budget
• Example: You have one prescription that costs $300 every three months. You now have the option to pay $100 per month — the same $1,200 over a year.
*Source: https://www.medicare.gov/about-us/prescription-drug-law “Saving money with the prescription drug law”
Our Team
Our team of advisors look forward to helping you find the right Health Insurance or Medicare plan to best fit your needs.
RiverStone Insurance — for all your Health, Life & Long Term Care needs
With offices in Buffalo, Minnesota, we’ve been serving Wright County & surrounding areas since 2005. Contact us now to find the Health Insurance or Medicare plan that fits your needs.
Questions about MNSure? As a MNSure Official Partner, we’ve got the answers.
Our
Carriers
In accordance with the Federal No Surprises Act, please note that UCare pays commissions to certified, independent brokers who sell UCare Individual & Family Plans. In 2025, that commission amount is $24 per contract, per month.
We do not offer every plan available in your area. Currently, we represent 10 organizations that offer 68 products in your area. Please contact medicare.gov, 1-800-MEDICARE, or your local State Health Insurance Program to get information on all of your options.
