It’s that time of year again — Medicare open enrollment! In this episode, host Rayna Reyes, co-founder of American Federal Benefits Consultants, helps listeners make sense of the annual mail flood and plan changes that arrive each fall.
Rayna breaks down what to look for when reviewing your coverage for 2026, including:
- How Medicare Advantage (Part C) plans differ from traditional Medicare
- The pros and cons of HMOs vs. PPOs
- Key cost factors like premiums, co-pays, coinsurance, and out-of-pocket maximums
- Why the Part B Give-Back or reduction could save you real money each month
- How to balance benefits versus costs — and avoid common pitfalls during open enrollment
Whether you’re new to Medicare or just reviewing your plan for next year, this episode will help you compare options with confidence.
Contact Rayna directly at 850-450-6500
Or call the American Federal Benefits Consultants team at 1-800-872-8857
Visit: AmericanFederal.org
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YouTube: https://www.youtube.com/@RaynaRetirement
Rayna Retirement is the go-to podcast for federal employees – or anyone – looking to make smarter financial decisions with clarity and confidence. Hosted by Rayna Reyes, co-founder of American Federal Benefits Consultants, this show simplifies the complexities of retirement, benefits, and financial planning.
Whether you're navigating your FERS or CSRS pension, maximizing your TSP, or seeking expert advice on 401(k)s or IRAs, Rayna is here to guide you every step of the way. Tune in for practical knowledge, ethical solutions, and expert insights as you prepare for a secure and fulfilling retirement.
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