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 […]
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, […]
Medicare Part B covers essential services like doctor visits, outpatient care, preventive screenings, and durable medical equipment. Unlike Medicare Part A, which is premium-free for most people, Medicare Part B is not free. There is a monthly premium for Part B coverage. This premium may be discouraging if you are low income or if you […]
If you’re on Medicare (or about to enroll), make sure you know what is coming to Medicare for 2026. Each year Medicare adjusts what you pay for premiums and coverage, but other changes could affect your overall costs. These include premium and deductible increases, changes to the Part D cap on maximum out-of-pocket costs, new […]
When the One Big Beautiful Bill became law, headlines read: “No tax on Social Security!” Certainly, a big deal for many retirees — but it is also not accurate. The law doesn’t eliminate taxes on Social Security. Instead, it creates an age-based deduction for people 65 and older. This, in turn, lowers taxable income — […]
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 […]
Medicare Advantage (Part C) plans offer a convenient way to get your Medicare Part A and B benefits — often with extra perks. But these plans often come with copays and coinsurance that can quickly add up in the event of an emergency and hospital stay. This is where a hospital indemnity plan comes in. […]
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 […]
What you need to know when deciding between Medicare and your employer group coverage. It is more than just costs.
As a program to care for people who are terminally ill, hospice presents a very difficult situation for loved ones and caregivers. Worrying about how to get hospice covered with Medicare and how you will pay is the last thing on everyone’s mind! Luckily, hospice is covered with Medicare is the same for all beneficiaries […]
As you approach retirement age, it’s crucial to have a solid understanding of your healthcare options. One of the most essential components of your healthcare coverage is Medicare, a federal program that provides health insurance to individuals aged 65 and older, as well as some younger individuals with disabilities. In this comprehensive guide, we’ll focus […]
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 […]
This blog was updated on 12/10/2025 to reflect the new 2026 Part B maximum out-of-pocket changes. The Part D cap goes up to $2,100 in 2026. Thanks to the Inflation Reduction Act, beneficiaries now spend far less on prescription drugs because it drastically lowered the maximum out-of-pocket amount. In 2025, all plans had a $2,000 […]
The Centers for Medicare and Medicaid Service has released 2025 Medicare costs for Medicare Part A, B and D. Every year Medicare premiums, deductibles and coinsurance can change so it is important to familiarize yourself with these changes so you can plan accordingly. As usual, your costs for next year are increasing across the board. […]
As we step into 2025, understanding the costs associated with Medicare Part A is important to plan your healthcare budget. This blog aims to provide a detailed overview of the Medicare Part A costs for 2025, helping you navigate these expenses with ease. What is Medicare Part A? Medicare Part A is a part of […]
Learn what your Medicare Part B costs will be in 2025. These costs can include a premium, deductibles, and coinsurance.
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 […]
Learn how the new Medicare Prescription Payment Plan (M3P) can help you manage high prescription costs.
The Inflation Reduction Act will enact two more Part D prescription drug reforms on January 1st. 2025. Learn how this will affect your costs and coverage.
Learn about the different resources available to help Medicare beneficiaries with healthcare expenses including government assistance and discount programs.