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...
by Author | Jun 2, 2025 | Blogs
CMS raised 2025 broker commissions for Medicare Advantage and Part D plans, with rates varying by region to reflect differences in plan complexity and beneficiary support needs. Legal challenges paused a CMS rule to standardize broker compensation, so traditional...
by Author | Apr 30, 2025 | Blogs
Seniors will face higher Medicare Part B premiums ($185.00) and deductibles ($257) in 2025, with insights on how these increases affect out-of-pocket healthcare expenses. Higher-income seniors will pay additional premiums due to IRMAA, while those needing...
