Medicare & Senior

All the resources you’ll need to stay up-to-date on medicare plans, available benefits and financial assistance.

Medicare Advantage Trial Period

Getting ready to sign up for Medicare? Thinking about a Medicare Advantage plan but not sure that’s what you really want. What if something goes wrong? You need to know about the Medicare Advantage trial period, a test run for a Medicare Advantage plan. Trial Right...

Use a Health Savings Account to Pay Medicare Premiums Tax-Free

Question: We have a sizable health savings account in my wife's name. She will turn 65 and go on Medicare in August 2016. I am 71, and my monthly Medicare Part B premium is deducted from my Social Security payment. Can we use money from her HSA to pay our Part B...

Late Enrollment Penalty (LEP)

Late Enrollment Penalty (LEP)

If you're enrolling into Medicare and you are questioning whether or not you need to enroll into a Medicare plan, you need to read this article to ensure you don't put yourself in a position to pay a permanent Late Enrollment Penalty.What is the Late Enrollment...

3 Ways to Dispose of Your Old, Unused Medications Safely

Many of the drugs that are prescribed to individuals sit in medicine cabinets months and years beyond their reasonable expiration date. These drugs may be harmful for you to take or for kids and grandchildren to sneak into or accidentally swallow. It's important to...

Medicare Announces Slight Rise in 2019 Premiums

Medicare Announces Slight Rise in 2019 Premiums

Medicare premiums and deductibles for Parts A and B will increase slightly in 2019, the Centers for Medicare and Medicaid Services announced Friday. Standard monthly premiums will cost $1.50 more: $135.50, up from $134 in 2018. Because premiums are based on income,...

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...

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...

Find Out if You Qualify for a Low Income Subsidy

Find Out if You Qualify for a Low Income Subsidy

Are you struggling to pay for prescriptions or medical costs? Well, you may qualify for a federal benefit known as Low Income Subsidy (LIS) or [tooltip text="A Medicare program to help people with limited income and resources pay Medicare prescription drug program...

What Our Clients Are Saying

Don’t just take it from us, let our customers do the talking!

“From our first meeting to the last, our representative was professional, knowledgeable, patient, and quick to respond to our texts, emails, and phone calls!! Nothing but glowing things to say about him and Buffer Benefits!” Paula Hodges

“My husband and I came to see Buffer Benefits regarding our future plans, specifically Medicare. Our representative took time with us to fully explain everything to our satisfaction and offered very knowledgeable suggestions. We loved his pleasant demeanor and candor, especially his sense of humor. The offices were beautifully decorated so warm and homey and we had a great experience there all around. Thanks so much for your help Buffer! “ Robyn Johnson

“I received excellent and very personal help in making all my insurance decisions. I highly recommend Sean Turner and this group, They are there to serve and help any way they can.“ Joy De Luis

Frequently Asked Questions

When can I change from one Medicare Advantage plan to another?

You are free to move from plan to plan during the annual enrollment period. This period is from October 15th through December 7th. You can not change plans outside of this period unless you qualify for a Special Enrollment Period.

Do I have to enroll in Part B at the same time as Part A?

No, these are two standalone Parts. However, one of the primary reasons individuals choose to not take Part B when they turn 65 is because they already have medical coverage through their employer.

In this case, it is best to go ahead and enroll in Part A, if it’s free, and withhold from enrolling in Part B until you lose employer coverage.

Do I have to have a Medicare drug plan?

If your coverage is not creditable, you can still keep it. But if you sign up for aMedicare drug plan at some future date, and you have gone for more than 63 days without creditable coverage, you would then pay a late penalty.

When can I sign up for Medicare Part D?

You should enroll early during your IEP to make sure that your coverage begins as soon as you are eligible. If you do not join a Medicare drug plan during your InitialEnrollment Period, you may not be able to enroll until Fall Open Enrollment. Fall Open Enrollment begins October 15 and ends December 7.

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Unfortunately does not allow the use of custom themes. If you would like to use a custom theme of any kind, you will need to purchase your own hosting account and install the free software from If you are looking for great WordPress hosting, we recommend giving HostGator a try.

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