While Medicare Part A and Part B (which is also commonly referred to as Original Medicare) can provide benefits for a long list of hospital services and other medical needs, unfortunately, this program can also leave many “gaps” in its coverage. These come primarily by way of deductibles, copayments, and/or coinsurance costs. If you are […]

If you are a Medicare enrollee, or you soon will be, you may be wondering just exactly what – if anything – this program offers in terms of vision and dental benefits. Unfortunately, for those who are enrolled in Original Medicare, which includes Medicare Part A and Part B, the answer is very little, if […]

If you’re aged 65 or over and you are currently enrolled in Medicare for your health care coverage, then you may be able to make changes to your plan during certain times of the year that are known as Medicare enrollment periods. When you initially turned age 65, if you were already receiving retirement benefits […]

Does It Matter How Medigap Plans Are Priced? We often hear folks asking if a particular plan is community rated, age-attained, or issue age. Most folks hear these terms being thrown around by other agents who are trying to push them to buy a certain Medicare Supplement plan. In this post, I will explain the differences […]

The California “Birthday Rule” allows folks who have a Medicare Supplement plan to change to a different plan of equal or lesser benefit, 30 days before and after their birthday, without being subject to medical underwriting.  If you live in California and have been researching Medicare Supplement plans then you probably have heard of the “California […]