Screen Shot 2015-09-21 at 10.05.40 AM

The vast majority of retirees in the U.S. qualify for Medicare because either they or a spouse have enough work credits. This means that these qualified individuals pay no premium for Part A and a modest premium for Part B. However, some people don’t qualify, and this is usually because they immigrated to the United… Read More


1

According to a Kaiser Family Foundation page, “Medigap Reform: setting the Context for Understanding Recent Proposals,” the vast majority of Medicare beneficiaries enhance their Medicare benefits with some other kind of coverage. Even though Part A and Part B offer very broad coverage, it is no secret that there are gaps because of deductibles, copays,… Read More


Rx-Drugs

Both Medicare Advantage and Part D plans come from private companies that must be approved by CMS. However, Medicare rates these plans each year. They use a five-star rating system and publish rankings at the beginning of open enrollment each fall. These ratings are actually very important to consumers and insurance companies.  Medicare’s 5-Star Medicare… Read More


Medicare+government+background

One traditional way for Medicare beneficiaries to control the large gaps in coverage left by Part A and Part B of traditional Medicare has to been to purchase a Medigap policy, also called a Medicare supplement. One good thing about these policies is that they have been pretty standard in most states since the last… Read More


For many Americans, finally making it to Medicare age is somewhat of a right of passage. Why not? Working Americans have paid into this system most of their lives, and now it is time to reap the benefits. Just to ensure that you are familiar with the enrollment process for Part A and Part B,… Read More