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Author: Butterfly Cherry, Licensed Agent

What is the Medicare GLP-1 Bridge Program? Eligibility, Covered Drugs, and What Happens Next

The Medicare GLP-1 Bridge Program is a temporary program from the Centers for Medicare & Medicaid Services (CMS) that allows eligible Medicare Part D beneficiaries to access certain weight-loss GLP-1 drugs for $50 per month from July 1, 2026 through December 31, 2027. It operates outside of Medicare Part D, meaning plans do not process […]

What are Medicare Part B Excess Charges, and How Do You Avoid Them?

If you’re comparing Medicare coverage options—especially when deciding between Medicare Supplement (Medigap) plans like Plan G and Plan N—you’ve likely heard the term Part B excess charges. It sounds like an unpredictable extra cost that may or may not show up without notice.   While excess charges are real, they are not that common and […]

How to Appeal The Medicare Part D Penalty (Step-by-Step Guide)

Did you get a notice about a Medicare Part D late enrollment penalty, but you had creditable coverage? Medicare often assesses a Part D penalty in error when people miss an attestation or fail to submit proof of prior creditable coverage. In this guide, we’ll walk you through how to appeal your Part D penalty, […]

Will the New TrumpRx Coupons Save You on Your Medicare Prescription Costs?

The Trump Administration has officially opened the Trump Rx website. If you are a Medicare beneficiary with Part D prescription drug coverage, you may be wondering if the new TrumpRx will affect your costs or save you money. We go over the TrumpRx platform, which drugs are included on the site, and if it will […]

Reviewing Your 2026 Medicare Annual Notice of Change: Top Plan Changes You Must Know

Discover how to review your 2026 Medicare Annual Notice of Change (ANOC) to stay informed about essential plan changes.

How Medicare Enrollment Affects COBRA Coverage for a Younger Spouse

If you are turning 65 and have a younger spouse covered under your employer’s group health plan, it is important to understand the implication of enrolling in Part A and/or Part B early while you are still working. If your younger spouse who will not be 65 when you retire, then your timing on Medicare […]

How Indian Health Services (IHS) works with Medicare

If you already receive healthcare through Indian Health Services, you may be wondering what happens when you become eligible for Medicare. Does it affect your Indian Health Services access or costs? Below, we breakdown if you need to join Medicare, how it works with Indian Health Services, and how you and your Tribe may benefit […]

How to Reduce Monthly Costs with Rising Medicare Supplement Premiums

Medicare Supplement plan premiums continue to rise year after year! These annual hikes are making some plans unaffordable and hard to maintain. Many people are experiencing financial strain from steadily increasing costs—even when their health has remained stable. The good news? If you’re relatively healthy, you may have the option to switch your Medicare Supplement […]

Low Cost Medicare Supplements: Save with Plan N and Plan K

Are you looking for low cost Medicare Supplements? Currently, about half of Medicare beneficiaries enroll in a Medicare Supplement plan when they become eligible for Medicare. This is a downward trend due to increasing Medicare Supplement premiums and lower Medicare Advantage premiums. Beneficiaries who are “Team Medicare Supplement” are generally looking for more freedom to […]

Top Medicare Enrollment Forms Explained: What to Use & When

Applying for Medicare can be easy when you use the correct Medicare enrollment form at the right time. Using the wrong form, or even the wrong enrollment method, can have consequences. This guide breaks down the important Medicare enrollment forms and shows you exactly when and why to use each form. Understanding the Different Medicare […]

Choosing Between Medicare and Employer Plan: What You Need to Know

What you need to know when deciding between Medicare and your employer group coverage. It is more than just costs.

Medicare Pre-Authorization: When Is It Required and How It Affects You?

This blog has been updated on 12/18/2025 to reflect the new changes to Original Medicare new pre-authorization testing in 6 states. Most people who have had health insurance are familiar with pre-authorization requirements for medical services or prescription drugs. This practice has been widely implemented across the insurance industry. Traditionally, Original Medicare (Part A and […]

Understanding Medicare Part A: Coverage, Costs, and Eligibility Explained

Medicare Part A is one component of the Medicare program, which offers comprehensive hospital insurance to people over 65 (and people with disabilities). If you are nearing eligibility for Medicare, it is important to understanding the ins and outs of all its parts. In this blog, we’ll explore Part A, including what is covers, how […]

Medicare Part B Costs: What will you pay in 2025?

Learn what your Medicare Part B costs will be in 2025. These costs can include a premium, deductibles, and coinsurance.

4 Parts of Medicare: A Simple Guide To Understand Coverage

Welcome to the world of Medicare! Where the alphabet soup of healthcare promises confusion at every turn and leaves beneficiaries searching for answers. As you may be aware, there are 4 parts of Medicare, and each part covers different aspects of your healthcare coverage. As confusing as it can feel, it is necessary to get […]

Your Guide to the Medicare Prescription Payment Plan

Learn how the new Medicare Prescription Payment Plan (M3P) can help you manage high prescription costs.

The Difference Between Medicare and Medicaid

Medicare and Medicaid are two insurance programs providing healthcare to the American public. Below is how they can differ in who and what each covers.

Medicare Special Needs Plans, How They Can Benefit You

Are you or a loved one on Medicare and in need of specialized healthcare services? Fortunately, Medicare Advantage Special Needs Plans (SNPs) offer a tailored approach to healthcare for individuals with special needs. In this guide, we will cover Medicare Advantage SNPs. We will explore what they are, how they work, and the benefits they […]

How to Avoid or Reduce Your IRMAA for Medicare Premiums

See some strategies for lowering your Income Related Monthly Adjustment Amount (IRMAA). Planning ahead is key when reducing the potential for higher Medicare premiums.

5 Common Misconceptions About Medicare Advantage: Debunking the Myths

Do you know the facts about Medicare Advantage plans? Learn the most common myths versus the facts so you can make informed decisions about your healthcare.