Choosing Between Medigap Plan F, Plan G and Plan N
Tens of millions of people are covered by Original Medicare (Part A and Part B). Almost one quarter of those people choose a …
How To Pick The Right Local Medicare Insurance Agent
Many of those who are eligible for Medicare aren’t aware that Local Medicare insurance agents exist to help guide them …
Medicare Late Enrollment Penalties
There won’t be a commercial for it. You won’t get a notice in the mail. At best, it’ll be found in the middle of the big …
How Do Medicare Agents Get Paid?
A Medicare insurance broker is an independent agent who should give you an unbiased opinion based on your Medicare plan …
Budget Like a Pro in Your Golden Years
Whether you’re trying to make your savings last, or you only have limited income coming in each month, budgeting as a …
Choose the Medicare Plan for You
If you are new to the world of Medicare and are trying to choose the right Medicare plan for you, it is normal to feel some …
Local Specialty Pharmacy In The Central Valley
When it comes to local specialty pharmacies, service is beating out big business. Many seniors who are tired of the long …
Are Incontinence Supplies For Seniors Covered by Medicare?
Let’s just get to it…no, Original Medicare does not cover incontinence supplies for seniors. There are still ways to get it …
7 Reasons Why People Think Medicare Advantage So Bad
Medicare Advantage isn’t necessarily bad. However there are some good reasons why some people do not like it. Have you …
Portable Oxygen Concentrators: Does Medicare Cover Them?
Medicare covers many medical equipment items that are used in hospitals and other healthcare facilities. These include blood …
What is Medicare Advantage Part C
A Medicare Advantage Part C plan is simply a Medicare approved private insurance company managing your Medicare benefits in …
What is Medicare Part D?
Signing up for Medicare Part D coverage is optional, but if you don’t sign up when first eligible or if you don’t already …
What Medicare Does Not Cover
Medicare is pretty black and white about what they do and do not cover. Many will find it surprising that services like …
Does Medicare Cover Vision?
Since so many conditions as well as the natural aging process cause many of us to need eye glasses or contact lenses, we just …
Medicare Advantage Give Back Plans
You may have heard about a Medicare Part B reimbursement that comes from special Medicare insurance plans. The Medicare …
Can I Get Medicare Without Social Security?
Did you know that you do not have to be receiving a Social Security payment to enroll in Medicare? It is easy to get …
The Truth About Medicare Commercials
We are all a little bit skeptical when we see ads on television offering free this or that or making promises that sound too …
How to Compare Medigap Plans
Medicare Supplement Plans (also called Medigap plans) cover the gaps in Original Medicare. Each Medigap Plan is standardized …
What is the Medicare Open Enrollment Period (OEP)?
The Medicare Annual Enrollment Period (Oct 15th-Dec 7th) can feel like a chaotic time for many of those on Medicare. Many …
Can I Appeal a Higher Medicare Part B Premium?
Whether we agree or not, people who have higher incomes have to pay more for Medicare Part B premiums and Medicare Part D …
What Do I Have to Do to Change Doctors?
Having a positive relationship and rapport with your doctor is one of the most important aspects of your medical care. If you …
Get the Most From Your Medicare Annual Notice of Change Letter
One of the most important things you can do when you have Medicare is make sure that you thoroughly read your Medicare Annual …
Medicare Fall Open Enrollment
Medicare Fall Open Enrollment can be a very confusing time and you may feel a lot of pressure to do something about your …
Medicare Supplement Open Enrollment
When you first become eligible for Medicare Part B, your Medicare Supplement Open Enrollment Period begins. You have exactly …
Can I Appeal Medicare Decisions?
Have you ever wondered what to do when Medicare denies your claim? If Medicare denies your coverage or if Medicare refuses to …
How to Choose Between Medicare Advantage & Medicare Supplement Plans
People new to Medicare might be surprised to know that Medicare does not cover every medical expense that you incur. In order …
Choosing a Medicare Plan
Choosing a Medicare plan can be really complicated. Understanding Medicare and all of the options can feel like an immense …
Medication Blister Packs
Pill organizers are now officially old news. The new thing beginning to emerge is blister packaging for medications. This is …
Free Prescription Delivery Services
It’s still surprising that free prescription delivery services haven’t caught on everywhere yet. Especially post COVID, …
Medicare Agents In My Area
Many in the central valley have lots of questions and confusion about Medicare, how it works and are always looking for …
Independent Medicare Agents | Medicare Advantage (Part C)
With a Medicare Advantage Plan (Part C), You Are Getting Four Things: Low to no co-pays for many Medicare Services. Network …
What is Telemedicine?
Telemedicine has been around for years. What we recognize as telemedicine today started in the 1950’s when a few hospital …
HMO vs. PPO
When it comes to healthcare terms, HMO and PPO are terms most people will recognize but few will know what they mean or stand …
Important Part D Terms
Medicare Part D, for the most part, is pretty straight forward. It covers your medications for a stated copay or coinsurance …
How to Choose a Medicare Drug Plan
Many people come to us looking for support on how to choose a drug plan that works for them. There can easily be 20-30 drug …
Medicare Advantage with Medi-Cal
With a Medicare Advantage Plan (Part C), your are getting three things: Coordination of your Medicare and Medi-Cal services …
Medicare Supplement And Drug Plan
With a Medicare Supplement – and a Prescription Drug Plan – you are getting three things: Low to no copays and …
Original Medicare And Prescription Drug Plan
With original Medicare, Parts A and B, and a Prescription Drug Plan, your are getting three things: Ensuring you won’t …
Medicare and Medi-Cal
If you have both Medicare and Medi-Cal, then it’s vital you know what’s covered, what’s not and what is available to you. …
Medicare Dental Coverage & What Dental Services Are Covered By Medicare?
Is there dental insurance for Medicare? Many of you may be surprised that the short answer is no; Original Medicare does not …
Three Ways To Save On Medigap (aka Medicare Supplement)
Just like most other insurances, the rates on your Medigap Policy (aka Medicare Supplement) will inevitably go up almost …
How To Apply For Medicare Online In Only 10 Minutes
With Social Security offices mostly closed and hold times well over an hour, it can be frustrating to apply for Medicare. …
Have You Have Been Enrolled Into A Medicare Savings Program (QMB)?
You may have received a letter saying that you have been enrolled into a Medicare Savings Program. These are low-income …
Medicaid Improper Billing
Many of those who have both Medicare and full Medi-Cal are often subject to Medicaid improper billing practices by their …
Medicare Plan F is Going Away!
Many questions have come in wondering why Medicare Plan F is going away. Questions like, who does it affect, and why? The …
Medicare vs Medicaid
While both Medicare and Medicaid provide medical coverage, their functions and operations are very different. Here we will …
Medicare Part D Coverage Gap (aka “Donut Hole”)
All Medicare drug coverage has a coverage gap (also known as the “Donut Hole”). This is when your drug plan will …
What are Special Needs Plans?
Medicare Advantage Special Needs Plans (SNPs) are private companies that the federal government pays to administer Medicare …
What are Medical Groups?
If you have been on an HMO insurance plan, you may have heard the term medical group. Medical groups are arguably the most …
When can I Enroll Into a Medicare Supplement (Medigap) Plan?
Medicare Supplement plans have a unique set of rules compared to the rest of Medicare. Every other aspect of Medicare has …
Medicare Part C & Part D Enrollment Periods
There are specific times when you can sign up for a Medicare Advantage Plan (MAPD), a Medicare Prescription Drug Plan (PDP), …
Medicare and COBRA Health Insurance
COBRA is a very cool name for health insurance. Much cooler than the Plan F’s or the those named after gems and metals, like …
Enrolling Into Medicare
If you don’t sign up yourself, enrolling into Medicare might just come automatically. Depending on your circumstances, you …
What is a Medicare Supplement Plan (Medigap)?
Medicare Supplements – also known as Medigap – have been around for about as long as Medicare has. You probably have asked …
What does Original Medicare cover?
Original Medicare is the red, white, and blue card that has Part A and Part B. Original Medicare is managed by the federal …
Avoiding Medicare Scams
October brings out trick-or-treaters for Halloween, but also for Medicare Annual Enrollment Period. While finding the right …
Medicare Supplement Insurance Agents (Medigap)
Although most people here in the Central Valley call all forms of Medicare insurance a Medicare Supplement, there is a …