Marketing Rules Medicare Plans must follow
Medicare Plans must follow marketing rules Medicare plans and agents must follow certain rules when marketing their plans and getting your enrollment information. They can’t ask you for credit card or banking information over the phone or via email, unless you’re already a member of that plan. Plans don’t need your personal information to provide […]
Medicare and Program of All-Inclusive Care for the Elderly (PACE)
PACE is a comprehensive Medicare and Medicaid program that provides all-inclusive care for elderly individuals who need nursing home level care but can still live safely in their community. To qualify for PACE, you must be 55 or older, live in a PACE service area, be certified by your state as needing nursing home care, […]
Your Medicare coverage choices
You have two main Medicare coverage choices when you first enroll and during certain enrollment periods. Original Medicare includes Part A for hospital insurance and Part B for medical insurance. With Original Medicare, you can see any doctor or hospital that accepts Medicare anywhere in the United States. You’ll typically pay 20% coinsurance after meeting […]
Medicare Long-term care hospital services
Long-term care hospitals provide specialized treatment for patients with multiple serious medical conditions who need extended hospitalization of 25 days or more. These facilities focus on patients who may improve with intensive care and eventually return home. Services typically include respiratory therapy, head trauma treatment, comprehensive rehabilitation, and pain management. Under Original Medicare in 2026, […]
Medicare and Insulin
Your costs in Original Medicare: The one-month supply of each Part D-covered insulin is capped at $35, and you don’t have to pay a deductible for insulin. This applies to everyone who takes insulin, even if you get Extra Help. If you get a 60- or 90-day supply of insulin, your costs can be at […]
What is the Medicare Special Enrollment Period (SEP) ?
If you are age 65 or older, you or your spouse are still working and you are covered under a group health plan based on that current employment, you may not need to apply for Medicare medical insurance (Part B) at age 65. You may qualify for a “Special Enrollment Period” (SEP) that will let […]
Medicare Decisions for Those Over 65 and Planning to Retire in the Next 6 Months
If you’re over 65 and planning to retire within six months, timing your Medicare enrollment correctly is crucial to avoid gaps in coverage and penalties. When you have employer coverage through your own job, you can delay Medicare enrollment past 65 without penalty, but you must act within eight months after your employment ends or […]
Medicare and Hearing Aids
It is your responsibility to cover the full cost of your hearing aids since Medicare does not cover hearing aids or hearing health services. In addition to the type of hearing aid you select, the price of your hearing aid will depend on whether you choose to bundle it with audiology services and the cost […]