Alabama Medicare Resource Center

Alabama Medicare Resource Center More than Medicare — we’re your neighbors, advocates, and community resource. We love the outdoors, sports, and spending quality family time together.

From coverage to community care, we’re here to help families live healthier, happier lives. My name is Avery McCarley, I have 3 daughters and wonderful wife, whom I could not do life without. I also love to cook, been a passion of mine for the past couple of years. I am a Licensed Insurance Specialist based right here in the heart of Alabama. I have always felt like the Lord has put me on this ear

th for reason and purpose. It took me 28 years to find that purpose, and that purpose is to serve. Serve the community, my customers, my friends, and my family. That is the main reason I got into the insurance business in the first place. I want to help you save money, time, and the headache that comes with selecting the correct insurance plans for YOU. The 2 most important things in life for most people is their money, and their health. Both of these things are essential in having a quality and fulfilling life. I offer many products including, Medicare Advantage and Supplement plans, Individual & Family Plans, Life Products, Dental, Cancer polices, and so much more. I have helped a countless families put money back into their pockets with affordable Healthcare options. The plans that I offer are tailored to you! I am fully transparent and will not push you into anything you are not comfortable with. These days it is so hard to find someone to trust, all of the ads, phone calls, scams, and mail, leaves you thinking "WHO CAN I TRUST!"

Well I hope that person can be me! Let me earn your trust by becoming your agent.

Here's a number that's going to catch a lot of people off guard this year.About 3 out of 4 people on a standalone Part D...
09/02/2026

Here's a number that's going to catch a lot of people off guard this year.

About 3 out of 4 people on a standalone Part D drug plan are expected to see their premium go up for 2027. Not because they added a medication. Not because they used their plan more. Just because of how pricing is shifting behind the scenes this year.

Most folks assume if their health didn't change, their bill shouldn't either. Makes sense. That's just not how it's playing out this time. 🤷

Here's the part that actually matters. You won't know how this affects your specific plan until your renewal notice shows up. So when it does, don't just glance at it and set it aside like it's junk mail. Open it. Read the actual numbers.

If something on it doesn't make sense, that's a completely normal thing to ask about. That's what I'm here for!

There's a government program you've probably never heard of. It's been quietly protecting your drug plan premium for the...
09/01/2026

There's a government program you've probably never heard of. It's been quietly protecting your drug plan premium for the last two years. And it's about to disappear.

It's called the Part D Premium Stabilization Demonstration. I know, not exactly a catchy name. But here's what it's actually been doing. It's helped keep standalone Part D premiums lower and more predictable while some big changes rolled out across Medicare.

That program is ending after this year.

Here's what that means for you. ⤵️

If you're on a standalone drug plan, your premium could move differently than it has the last couple of years, not because your health changed, but because the support behind the scenes is going away.

You don't need to panic about this today. You do need to actually read your renewal notice this year instead of assuming everything stays the same. It might. But "might" isn't something I want you finding out about after the fact.

If you want to know exactly what to check before assuming anything about next year's coverage, comment QUESTIONS and I'll send you the list.

Here’s what actually happens when you go to pick up your medication through the Medicare GLP-1 Bridge.Your doctor submit...
09/01/2026

Here’s what actually happens when you go to pick up your medication through the Medicare GLP-1 Bridge.

Your doctor submits a prior authorization request through the GLP-1 Bridge system. This goes to a central processor, not your regular Part D plan. It’s a completely separate process.

Once that’s approved, you take your prescription to the pharmacy like normal.

At the counter, you pay $50. The pharmacy processes the claim through the GLP-1 Bridge system, not through your regular drug plan.

A couple of things to have ready when you go:

Your Medicare card. The pharmacy needs your Medicare Number to process the claim. If you don’t have your card handy, they can look it up with the last four digits of your Social Security number.

Your prescription, along with confirmation that your prior authorization has been submitted and approved.

And here’s the part worth repeating. Because this runs outside of your regular Part D coverage, your deductible does not apply. The $50 is the $50 no matter where you are in your plan year. No surprises at the counter.

CMS is releasing the full prior authorization process in June. I’ll have everything you need before July 1.

DM me the word BRIDGE and I’ll send you the full breakdown guide. 👇

Ok, let’s talk about who actually qualifies for the Medicare GLP-1 Bridge. Because this is where it gets specific.First,...
08/31/2026

Ok, let’s talk about who actually qualifies for the Medicare GLP-1 Bridge. Because this is where it gets specific.

First, you have to be enrolled in a Medicare Part D plan. Most standard plans qualify, including standalone drug plans and Medicare Advantage plans with drug coverage.

Then your doctor has to confirm you meet one of these criteria:

BMI of 35 or higher, OR

BMI of 30 or higher AND you have heart failure, uncontrolled high blood pressure, or chronic kidney disease, OR

BMI of 27 or higher AND you have pre-diabetes, a previous heart attack, a previous stroke, or peripheral artery disease.

Here’s something important that a lot of people are going to miss.

The BMI requirement is based on where you were when you started your GLP-1 medication, not where you are today. So if you started Wegovy two years ago when your BMI was 36 and it’s now 31, you can still qualify based on where you started.

Your doctor will need to confirm this when they submit your prior authorization request. More on that process coming soon.

Questions about whether you specifically qualify? That’s exactly what I’m here for!

DM me and let’s figure it out together. 👇

Did any of those criteria surprise you?

So which medications are actually covered under the Medicare GLP-1 Bridge?There are three, and the specific formulation ...
08/31/2026

So which medications are actually covered under the Medicare GLP-1 Bridge?

There are three, and the specific formulation matters, so write these down.

Wegovy, both the injectable and the oral tablet form.

Zepbound, but only the KwikPen formulation. The single-dose vial and single-dose pen are not included.

Foundayo, all formulations.

All three are FDA-approved weight management medications.

All three are available at the $50 copay for eligible beneficiaries starting July 1.

One thing that surprises a lot of people: this program runs completely separate from your regular Part D coverage. That means the $50 does not count toward your deductible or your out-of-pocket maximum for the year. It’s its own thing entirely.

The list of covered medications could also be updated as the program runs. CMS already added Foundayo after the original announcement, so it’s worth staying tuned.

More details coming on exactly who qualifies and how it works at the pharmacy.

Happy Mother’s Day!
05/10/2026

Happy Mother’s Day!

We are incredibly thankful for the teachers and staff at Clanton Elementary School and everything they do to help shape ...
05/09/2026

We are incredibly thankful for the teachers and staff at Clanton Elementary School and everything they do to help shape the next generation.

On Friday, we had the opportunity to cook and provide lunch for over 100 faculty and staff members as a small way to say thank you for the impact they make every single day.

We also couldn’t have done it without our amazing team, Hollie and Shawn, who worked hard behind the scenes to help make it all happen!

We are grateful to be part of such a great community!

We have some availability for our Understanding Medicare classes tonight @ 5:00 as well as Thursday @ 5:00. You can reac...
05/05/2026

We have some availability for our Understanding Medicare classes tonight @ 5:00 as well as Thursday @ 5:00. You can reach us at our office at 205-882-8278 to reserve your spot!

We hosted our first of many Medicare Education classes at our office! We have a ton of really good stuff coming up, so b...
05/05/2026

We hosted our first of many Medicare Education classes at our office! We have a ton of really good stuff coming up, so be on the lookout for classes, content, and ways you can get involved.

01/14/2026

Please check this important announcement regarding SNAP transactions and EBT card usage per the Alabama Department of Human Resources.

Address

301 3rd Avenue N
Clanton, AL
35045

Telephone

+13347825241

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