Do You Need to use an Insurance Agent for Medicare?

Do You Need to use an Insurance Agent for Medicare?

Learning Medicare on your own would not be an easy task. In fact, there are some people that have faced this tumultuous task alone. They’ve spent hours and hours researching terminology and definitions, plan types, specific election periods, do’s and don’ts, and...

Late Enrollment Penalties

Missing your Initial Enrollment Period can be costly. Medicare Part A, Part B and Part D may charge premium penalties if you miss your initial enrollment dates, unless you qualify for a Medicare Special Enrollment Period. Working Past Age 65? You may be able to delay...

When You Can Change Medicare Plans

Medicare coverage is not a one-and-done decision. Changing health care needs and life events may mean your Medicare coverage needs to change, too. Medicare provides certain time periods for making changes to your plan choices. The main one is Medicare Open Enrollment....
Reduction of Election Periods for Specific Individuals

Reduction of Election Periods for Specific Individuals

Those individuals who have Medicare and Medicaid coverage, are often referred to as having “dual” coverage. One advantage that dual-covered beneficiaries have been given in the past is the ability to change plans each month of the year. Equaling twelve enrollment...
6 Things to Know About Retiree Coverage

6 Things to Know About Retiree Coverage

If you’re retired and have Medicare and group health plan (retiree) coverage from a former employer, generally: Medicare pays first for your health care bills Your group health plan coverage pays second How your retiree group health plan coverage works depends...