5-star plans
Medicare uses information from member satisfaction surveys, plans, and health care providers to give overall performance star ratings to...
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What Does IRMAA Stand For?
Income-related Monthly Adjustment Amount The standard Part B premium amount in 2024 is $174.80. Most people pay the standard Part B...
Reducing Your Adjusted Gross Income
There are several ways to reduce your Adjusted Gross Income (AGI). One method is sometimes referred to as creating a “Secret IRA." This...
How much is the Part D penalty?
Part D Late Enrollment Penalty How much is the Part D penalty? The cost of the late enrollment penalty depends on how long you went...
Why is My Medicare Call Being Recorded?
CMS released their 2023 final rule which includes two requirements that will have a significant impact on independent agents and brokers...
Medicare Questions?
As individuals approach age 65, they are usually inundated by calls and receive an abundance of information about Medicare in the mail....
Medicaid and The Marketplace
I occasionally get the question: Can I be on Medicaid and have a Marketplace health insurance plan? The answer is yes. There is one...
What is the Right Medicare Plan for You?
If you are currently on Medicare or approaching Medicare eligibility, you are probably receiving numerous offers and information about...
An Easy Way to Find a Plan on the Health Insurance Marketplace!
Many individuals are searching for health insurance plans via the Health Insurance Marketplace. This can be a very frustrating process....
Still working? Think twice about signing up for Medicare @ 65!
If you are still working when you turn age 65 and are covered under a large group insurance plan (over 20 lives), you may want to defer...
WHAT CAN BE DONE DURING THE MEDICARE OEP?
The Medicare Open Enrollment Period (MA-OEP) is a period, January 1 – March 31, during which an individual enrolled in an MA (Medicare...
When is the Annual Election Period for Medicare plans?
The Annual Election Period (AEP), runs from October 15th to December 7th each year, and it allows Medicare beneficiaries to make changes...
MEDICARE AND Rx COVERAGE
One of the largest expenditures for seniors is the cost of prescription drugs. Many Medicare beneficiaries have a Part D drug plan either...
When Is the Open Enrollment Period for Individual Health Insurance?
The Open Enrollment (OEP) timeframe is between November 1 and January 15. Policies applied for between November 1 and December 15, have a...
Applying for Medicare Parts A & B Online
Did you know that you can apply for Medicare benefits online? You can do this even though you aren’t ready to collect Social Security or...
What Does Dual Eligible Mean?
People who are dual-eligible qualify for Medicare and Medicaid benefits at the same time. Dual-eligibles may be categorized as...
Will I Have to Pay My Subsidy Back?
Many individuals are receiving their health insurance from a plan on the Health Insurance Marketplace that includes a subsidy that...
What Is Medicare Supplement Insurance (Medigap)?
Medigap is Medicare Supplement Insurance that helps fill the “gaps” in Original Medicare and is sold by private companies. Original...
What Is a Medicare Advantage plan?
A Medicare Advantage plan is a Medicare plan provided by a private insurer. If a Medicare eligible individual selects a Medicare...
Should I Supplement My Medicare Parts A & B?
The Medicare program was created on July 30, 1965, by President Lyndon B Johnson. Medicare was never intended to cover all of an...
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