|⏳ HEALTH INSURANCE AGENCY |⏳ INSURANCE ENROLLMENT KEY DATES |⏳ MEDICARE PLANS: Annual Enrollment Period (AEP): October 15 – December 7 each year. During this time, you can switch to a different Medicare plan. Initial Enrollment Period (IEP): Around your 65th birthday. |⏳ INDIVIDUAL & FAMILY ACA MARKETPLACE PLANS: Generally November 1 – January 15 for the following year’s coverage. December 15: Deadline for coverage to start January 1. January 1: Coverage begins for those who enrolled by the December 15 deadline. January 15: The final deadline to enroll for coverage that typically begins February 1. |⏳ EMPLOYER SPONSORED PLANS: Enrollment periods are set by your employer and often occur in the fall. |⏳ MEDICAID & CHILDREN’S HEALTH INSURANCE PROGRAM (CHIP): You can enroll at any time of the year. |⏳ SPECIAL ENROLLMENT PERIODS (SEPs): You may qualify for an SEP outside the regular Open Enrollment Period if you have certain qualifying life events, such as getting married, having a baby, or losing other health coverage. |⏳ DON’T WAIT! ASK US YOUR QUESTIONS EARLY! |⏳
How does the New CMS GLP-1 CMS Bridge Program Work?

How does the New CMS GLP-1 CMS Bridge Program Work?

The Medicare GLP-1 Bridge program is a temporary federal demonstration initiative by the Centers for Medicare & Medicaid Services (CMS) that launched on July 1, 2026, and runs through December 31, 2027.

The New CMS GLP-1 CMS Bridge Program Works

The program circumvents standard Medicare Part D rules to provide flat-fee access to weight-loss medications for eligible seniors who otherwise could not afford them.

How the Program Works

  • The Cost: Eligible beneficiaries pay a predictable, flat copay of $50 per month for covered medications.
  • Outside of Part D: The program operates independently of standard Medicare Part D plans. As a result, your $50 copay does not count toward your Part D annual deductible or true out-of-pocket spending limits.
  • Central Processor: CMS has contracted Humana to act as the central administrator. Humana handles all prior authorizations, claim approvals, and pharmacy payments completely separately from your day-to-day insurance plan.

Covered Medications

The program specifically covers three anti-obesity GLP-1 medications when prescribed strictly for weight reduction and maintenance:

  • Wegovy® (both injectable and tablet formulations)
  • Zepbound® (KwikPen® formulation only; single-dose vials or standard single-dose pens are not covered)
  • Foundayo® (tablet)

Who is Eligible?

To qualify for the $50/month bridge pricing, you must meet all of the following criteria:

  1. Plan Status: You must be enrolled in a Medicare Part D standalone prescription plan or a Medicare Advantage plan that includes drug coverage.
  2. No Existing Coverage: You are not eligible if you already receive a GLP-1 drug covered by your Part D plan, or if your plan already offers a pathway to cover it.
  3. Exclusion Criteria: You must not have Type 2 diabetes, moderate-to-severe sleep apnea, or fatty liver disease. (If you have these conditions, you are excluded because you should already qualify for standard Part D coverage pathways for these drugs).
  4. Clinical/BMI Thresholds: You must be at least 18 years old and meet specific Body Mass Index (BMI) tiers based on your health history at the time you started therapy:
    • BMI of 35 or higher: Qualifies automatically.
    • BMI of 30 to 34.9: Qualifies if you also have heart failure (HFpEF), uncontrolled high blood pressure, or chronic kidney disease.
    • BMI of 27 to 29.9: Qualifies if you have prediabetes or a history of a heart attack, stroke, or blocked arteries in your extremities.

How to Get Started

  1. See Your Doctor: Your provider must prescribe one of the covered formulations listed above.
  2. Pharmacy Submission: When the pharmacy processes the prescription, they will encounter a block and automatically generate an electronic prior authorization (ePA) request to your doctor.
  3. Doctor Attestation: Your doctor fills out the Medicare Bridge prior authorization form, attesting to your clinical eligibility and BMI history.
  4. Approval: Once the central processor approves it, you will receive an approval letter and can pick up your 28- or 30-day supply for $50.

Credible Sources & Links

  • Official CMS Press Announcement: Read the official program launch details on the CMS Newsroom.
  • Official Patient Guide & Fact Sheet: Download the clear, official PDF breakdown on Medicare.gov.
  • Medicare Coverage Requirements Page: Review the consumer-facing coverage parameters directly on the Medicare.gov Weight Loss Drugs Page.
  • Official Guidance for Prescribers: Review the deep technical requirements and PDF form guidelines at the CMS Provider Portal.
  • KFF (Kaiser Family Foundation) Independent Analysis: See the independent research data on how many millions qualify and what the program will cost the government at KFF.org.

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Tammy Mitchell
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Excellent experience! Steve was knowledgeable, responsive, and made the process easy. He helped us find a great temporary health insurance plan for our daughter to bridge the gap until open enrollment. I really appreciated his guidance and would highly recommend him.
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So knowledgeable and helpful !!!
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Super responsive and easy to work with! He helped me understand my options with the matketplace and we're looking forward to getting set up with my husband's medicare soon. Great agent - you won't regret making the call!
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Steve responded quickly to my call. I had retired and lost my dental insurance coverage for me and my husband. Steve went over all options in a very professional and detailed manner. It was truly a good experience. He does handle other types of insurance. I would recommend him for anyone.
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Steve makes the painful process of finding a healthcare plan that’s right for you or a loved one easy. Absolutely worth the call.
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Joseph Pohl
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Wonderful experience with Steve. He made the process of getting health insurance in between a job and full time entrepreneurship easy and relaxed. And he did all the work. Highly recommend
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Kathy Thal
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Steve was great in helping me obtain the proper health insurance for our twins! I highly recommend him, and I’m so thankful for his knowledge and help!
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What a load off my mind! Steve Turner made it so easy to get all set up. Thank you Steve for finding what we feel is the best plan for us.

CONTACT STEVE TURNER INSURANCE AGENT & BROKER

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Steve Turner is a licensed agent and broker and a long-standing member of the National Association of Benefits and Insurance Professionals®. Steve holds the prestigious Registered Employee Benefits Consultant® designation. NABIP® is the preeminent organization for health insurance and employee benefits professionals and works diligently to ensure all Americans have access to high-quality, affordable healthcare and related services.

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Richard Steven Turner’s official Florida state insurance license number (operating as Steve Turner Insurance Specialist) is W333468

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We do not offer every plan available in your area. Currently, we represent 7 organizations that offer 70 products in your area. Please contact Medicare.gov or 1-800-MEDICARE for information on all your options.

Steve Turner is a licensed insurance agent and is not connected with or endorsed by the United States Government or the Federal Medicare Program. The Medicare Annual Enrollment Period is October 15 to December 7.

There’s no one-size-fits-all answer. Carefully consider your health status, expected medical needs, prescription drugs, budget, preferred doctors and hospitals, and how comfortable you are with network rules. During the Annual Enrollment Period, you can research the plans available in your Florida county using the Medicare Plan Finder at Medicare.gov, compare costs and benefits, and get free, unbiased counseling from Florida’s SHINE (Serving Health Insurance Needs of Elders) program at floridashine.org or 1-800-963-5337. You can also call 1-800-MEDICARE (1-800-633-4227; TTY 1-877-486-2048), 24 hours a day, 7 days a week.

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