TL;DR – Top Medicare Mistakes to Avoid When Turning 65 Choosing a plan based only on the premium: $0 Medicare Advantage plans often come with hidden costs. Missing the Medigap open enrollment window: After 6 months, you could be denied or charged more. Thinking COBRA protects you: It doesn’t delay your need to enroll in
Read More
The $1,200 Wake-Up CallA few years back, I got a call from a woman named Janet who had just retired after 40 years in education. She was sharp, organized, and had always handled her benefits like a pro. But that call wasn’t a happy one.She was sitting at the pharmacy counter, trying to pick up
Read More
It Starts the Way It Always Does…You’re turning 65. The mailbox is overflowing. Your phone won’t stop ringing. You can’t even watch Judge Judy without hearing about free flex cards and $0 premiums. Suddenly, you’re the most popular person in the Medicare universe.It’s not just confusing — it’s exhausting. Every flyer screams urgency. Every call promises savings.
Read More
Understanding Your Medicare Coverage Options: Once you have enrolled in Part A (Hospital Insurance) and Part B (Medical Insurance) of Medicare, you have the flexibility to select the type of health coverage that best suits your needs.Option 1: Choosing Between Original Medicare and Medicare AdvantageWhen seeking Medicare coverage, there are two primary alternatives available to
Read More
Part I: What is Medicare?Medicare is a health insurance program run by the government in the United States. It helps older people, some younger folks with disabilities, and people with severe kidney issues get medical coverage. Medicare started in 1965 to make sure people have access to the healthcare they need.The History of MedicareMedicare became
Read More
In today’s population, many baby boomers are reaching retirement age and enrolling in Medicare to ensure comprehensive healthcare coverage. As more and more of this demographic seeks quality healthcare options, interest in Medicare Advantage plans – commonly known as Part C of Medicare – has seen a significant uptick. Understanding the basic features and benefits
Read More
Medicare Supplement Plans, also known as Medigap plans, are health insurance policies offered by private insurers to help cover some of the costs that Original Medicare does not pay for. There are several standardized Medigap plans available, with the four most common ones being Plans G, N, F, and C. Each plan offers different levels
Read More
As seniors navigate the complexities of healthcare access, transportation plays a vital role in ensuring they receive necessary medical care. While Original Medicare predominantly covers ambulance services for emergency situations, some Medicare Advantage Plans offer broader transportation benefits, including non-emergency trips to medical appointments. Compare Medicare Avantage PlansExplore and compare Medicare Advantage and prescription drug
Read More