by Author | Dec 4, 2025 | Blogs
While Medicare negotiated ten major drug prices, your actual copay depends entirely on your specific insurer’s 2026 formulary tier assignments. The new $2,100 out-of-pocket cap eliminates the coverage gap, ensuring you pay nothing for covered medications once this...
by Author | Oct 29, 2025 | Blogs
Medicare is removing the Donut Hole and capping annual prescription drug costs at $2,100 starting in 2026. Insulin costs stay capped at $35 per month, vaccines remain free, and more people now qualify for full Extra Help. Beneficiaries can choose to spread out drug...
by Author | Oct 2, 2025 | Blogs
You need to decide at 65 whether Medicare or your employer plan pays first, and that depends on the size of your company. Medicare Advantage and Medigap give different ways to manage costs and coverage, so you should compare them to your work benefits. Special...
by Author | Sep 15, 2025 | Blogs
A licensed Medicare agent simplifies complex choices, explains coverage options like Parts A, B, C, D, Medigap, and helps you avoid lifelong penalties from missed deadlines. Agents compare plans based on your doctors, prescriptions, and budget, saving you money and...
by Author | Jul 29, 2025 | Blogs
You can delay Medicare enrollment past 65 if you have qualifying employer coverage, but you must follow strict timelines to avoid paying late enrollment penalties for Part B and Part D. Medicare charges higher premiums to high earners through IRMAA, using your income...
by Author | Jun 26, 2025 | Blogs
Many people confuse Medigap with Medicare Advantage or assume it covers everything. Missing the open enrollment period can lead to higher costs or denial. Comparing plans and enrolling early helps ensure better coverage and savings. Medigap plans often play a vital...
