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What is Original Medicare? The government-issued insurance covers over 63 million adults. It is one of the most extensive health insurance plans, but it can be confusing to navigate if you haven’t ever enrolled before. Over the years, new plans have popped up, and out-of-pocket expenses have increased. If you are thinking about changing your Medicare …
With the Medicare Annual Enrollment Period (AEP) right around the corner, you want to make sure you are on the right plan for your needs. Around September 30th, those who have a Medicare Advantage plan, or a Part D drug plan will receive an Annual Notice of Changes (ANOC) from the insurance company in which …
Millions of people in the United States depend on Medicare for medical care and services, but unfortunately, every year Medicare sees billions of dollars of losses due to fraudulent behavior from dishonest people. In 2020, the U.S. Government Accountability Office estimated that Medicare payments of either an incorrect amount or that shouldn’t have been made …
Enrolling for Medicare and making the right plan selection is a big decision. While it is important to weigh all your options, failure to get coverage on time can lead to penalties that increase Medicare costs over time. Medicare late enrollment penalties can catch people off guard, which is why you should be aware of …
No matter what insurance plan you have, it’s important to understand exactly what you’re responsible for when it comes to costs. Although they aren’t necessarily related, copay and coinsurance can cause some confusion. Copay is an alternative to coinsurance. Certain services a plan will list as flat copays versus other services they may charge a …
The Health insurance plan you choose will determine the doctors, nurses, office staff, and other health care professionals you can see. Insurance plans often require that you find doctors and family practitioners that are in their plan network. How to choose a primary doctor There are several times throughout your life when you’ll need to …
Ready to Apply for Medicare? These Are the Documents You’ll Need Are you thinking about enrolling in Medicare but aren’t sure what the options are and how to sign up to receive these benefits? There are several parts to Medicare and knowing where to start can be confusing. The first thing you need to do …
Most Americans become eligible for Medicare when they turn 65. If you are still employed at that time and are not retired, you may want to stay on your employer’s healthcare coverage rather than opting to sign up for Medicare. But it’s important to note that your health care coverage doesn’t have to be an …
Moving is a stressful time because there’s no easy way to do it. You can hire movers for the heavy lifting, but there’s still a lot to do. Changing your address with state and federal bodies (such as the Social Security Administration), moving your internet or phone service, and dealing with utilities at two locations …
Many states have responded to the multiple threats and difficulties impacting Medicare Beneficiaries by instituting Special Election Periods. These SEP’s allow for enrollment in Medicare Advantage Plans outside of the normal Annual Enrollment (Oct 15th to Dec 7th) and the Open Enrollment (Jan 1st to Mar 31st). This flexibility has come about as a result …