Choosing a Medicare plan is an important decision—and one that can feel overwhelming. Over the years, I’ve noticed a few common mistakes that many people make. The good news is that they can be avoided with a little guidance. 1. Not reviewing your plan each year Many people assume that once they choose a plan, they’re set. However, Medicare plans can change annually. Premiums, drug coverage, and provider networks may all be different from one year to the next. Taking a few mi

Turning 65 comes with many important decisions, and Medicare is often one of the biggest. Fortunately, getting started is easier when you understand a few key timelines and requirements. Most people become eligible for Medicare when they turn 65. Your Initial Enrollment Period begins three months before your 65th birthday month and continues for three months after, giving you a seven-month window to enroll. For example, if your birthday is in August, you can begin enrolling a

If you’re new to Medicare, some of the terminology can feel like learning a new language. Here are a few of the most common Medicare terms explained in a simple way. Original Medicare Original Medicare is provided through the federal government and includes two parts: Part A and Part B. Hospital Insurance (Part A) Part A generally helps cover inpatient hospital stays, skilled nursing care, hospice, and some home health services. Many people do not pay a monthly premium for Pa

As we move through 2026, there are a few Medicare updates worth keeping in mind, especially when it comes to prescription drug costs. One of the most helpful changes continues to be with Medicare Part D (Prescription Drug Plans). This year, there is a $2,100 annual cap on out-of-pocket costs for covered medications. Once you reach that amount, you won’t pay anything further for covered prescriptions for the rest of the year. This is especially important for those taking highe

News Flash: Beginning October 1, agent/brokers are required by CMS to notify beneficiaries that all phone calls regarding Medicare will...

We have discussed this subject previously but with Medicare season only a couple of months away it seems like this is a good time for a...

Summer has officially begun, and so has hurricane season! Medicare “season” will begin October 1. We hope that you are prepared for...

Last month we talked about penalties associated with Medicare. This month we are discussing reasons for delaying Medicare. You may delay...

This is a complicated subject. We are going to provide some basic information that may help you to understand what to expect if you use...

We have three subjects that we want to put in front of you today: 1. Medicare: Late Enrollment Penalties (LEP) 2. Affordable Care Act 3....

As health insurance agents, we are committed to assisting anyone who needs health insurance find a plan that meets their needs. So,...

This is a complicated subject. We are going to provide some basic information that may help you to understand what to expect if you may...

Here are some ideas that may help you make a smooth transition to Medicare: • Read “Medicare & You” 2021. This is the official U.S....

We have just completed the Annual Enrollment Period for Medicare and the enrollment period for ACA (Affordable Care Act), otherwise...

And on another subject important to seniors and everyone else who has a credit card: theft.

Have you seen the television commercial featuring a former football star? It airs often, especially between October 1 and March 31. ...

There are two ways for you to get your drugs covered by Medicare. One way is to purchase a Medicare Advantage Plan that includes a drug...

You may enroll in a Medicare plan up to 3 months before you turn 65, the month that you turn 65, and 3 months after your birthday month. ...

We are occasionally asked, “Why should I use an insurance agent?” Good question! Here are some reasons.

It is an add-on to Original Medicare, Part A (hospital) and Part B (doctor). You may know it by another name, Medigap Plan or Med Supp. ...