medicare marketing rules

Medicare Marketing Rules

Medicare Marketing Rules are set by CMS (Centers for Medicare & Medicaid Services) and they are getting more liberal now that they are being set by Republicans. Medicare Advantage and Part D plans can now use email for marketing – [...]
Medicare and Federal Budget

What Does Medicare Cost ?

What does Medicare cost?  Most people think their $134 Medicare Part B premium covers the cost of their Medicare – but they are very wrong. You can see from the charts below that there are three parts to Medicare:  Part A (Hospital Insurance); [...]
bad news for medicare

Bad News For Medicare

The House Republican Study Committee (RSC) has released their budget plan for fiscal year 2019 – and it is bad news for Medicare and Social Security. According to Republicans: Curbing spending is the only way to control our deficits and ballooning [...]
Medicare help

2018 Medicare Help

Medicare help comes through two programs:  1) The Medicare Savings Program; 2) Extra Help. People with income below certain levels can get help with their Medicare Part B premium and even their co-pays for medical care. Medicare help is provided [...]
Medicare and an HSA

Can I have Medicare and an HSA ?

There are rules against having Medicare and an HSA (Health Savings Account). I have recently gotten calls from two people who have Health Savings Accounts through their employers. They plan to keep working and they want to keep their employer [...]
medicare cuts

Medicare Cuts Coming

Medicare cuts are coming as a result of tax cuts that are pushing government debt to $21 trillion. The Trump administration wants to do away with an entire Medicare program that is designed to find ways to reduce Medicare costs without lowering [...]

Medicare Advantage Enrollment Growing

Medicare Advantage enrollment is growing in many big cities to a point where half of all Medicare beneficiaries (or more) are enrolled in a Medicare replacement plan. In case you didn’t know it, Medicare Advantage replaces your Medicare.  [...]

You might pay a higher Medicare premium

You don’t have to be rich to pay a higher Medicare premium. I’m running into more and more clients and friends who are going to be hit with the Income-Related Monthly Adjusted Amount (IRMAA) when they enroll in Medicare…. and [...]

Medicare Advantage Open Enrollment is back

The Medicare Advantage Open Enrollment Period (OEP) is back in 2019. The Medicare Advantage OEP is for people already enrolled in Medicare Advantage plans and it allows them to drop their plan to return to Original Medicare  – OR they [...]
pay your medicare premium

Don’t Forget To Pay Your Medicare Premium !

Don’t forget to pay your Medicare premium ! Most people are paying $134 per month for Medicare Part B in 2018. Although, some people with higher income pay more because of the Income Related Monthly Adjustment Amounts (IRMAA). If you are [...]
Medicare Advantage Enrollment

Medicare Advantage Enrollment in Pima County

Here are the numbers for Medicare Advantage enrollment in Pima County, Arizona as of January 2018. Each year at this time, I look at Medicare Advantage enrollment numbers from the previous year and compare them to the January or February numbers.  [...]
social security cuts

Social Security Cuts

Social Security cuts come in many forms.  If you’ve ever called Social Security (800-772-1213) and had to wait an hour to talk to someone, you have been affected by cuts to the Social Security operating budget. It looks like more Social [...]
Medicare Choices

Medicare Choices

This is a short introduction to your Medicare choices. And when it comes to Medicare, you do have some choices to make.  But first, let’s take a look at how Medicare works. Part A of Medicare is hospital insurance. It has a deductible. [...]
Your Medicare

Your Medicare at 65

If you’re turning 65 and thinking about your Medicare, here is what you need to know: How you enroll in your Medicare depends on your current situation related to Social Security. If you are receiving Social Security payments, you will [...]
Republican logo

Awesome Obamacare Premiums

It turns out that lots of people can get awesome Obamacare premiums in 2018. Of course, the healthcare.gov website is not very user-friendly – and I had to dig around to find how I could just shop for plans without setting up an account. Use [...]
2018 medicare changes

2018 Medicare Changes

2018 Medicare changes are modest. But the Republican tax bill could change all that. Medicare Part B has a premium and most people have been paying $109 because they’ve been on Medicare for many years.  Some of those people will be shocked [...]
medicare part d pill bottle

Part D Plan Preferred Pharmacies

Part D plan preferred pharmacies make using the Medicare.gov Plan Finder difficult and confusing. That’s because Medicare.gov only allows me to put in two pharmacies as I’m searching for drug plans for my clients. I think I am a [...]
Medicare part d and gun

Why I hate Medicare Part D

I have written in the past about why I hate Medicare Part D. It is kind of a rip-off for seniors – especially those who take only generics. Yesterday I talked with a man who is paying over $50 per month for his Part D plan – yet [...]
Medicare Open Enrollment Period

Medicare Open Enrollment Period

The Medicare Open Enrollment Period is October 15 – December 7.   What can you do during this period? Review your drug plan during the Medicare Open Enrollment Period. If you have a Part D plan along with a Medicare supplement, you should [...]

Carotid Artery Screening

Would you like to get a carotid artery screening, but don’t want to pay $150 or more? Tucson Medical Center (TMC) offers various vascular screenings for $25, but this month (SEPTEMBER), they will do the tests for $10 each.  I’m [...]

Vacation is over.

I have taken a vacation from writing for my blog this summer – but that vacation is over, as it is almost time for the Annual Enrollment Period. I have been taking online courses and tests for all of the Medicare Advantage and Part D plans [...]
considering medicare advantage

Considering Medicare Advantage

If you are considering Medicare Advantage for your Medicare coverage, here are some things to think about: Most Medicare Advantage plans are HMOs (Health Maintenance Organizations) and have networks of doctors, hospitals, and other providers. [...]
medigap with guaranteed issue

Medigap with Guaranteed Issue

What does it mean to get Medigap with guaranteed issue? And when does this come into play? Here is one example: Medicare says that when people are required to change their Medicare Advantage plan because of a move, they can apply for a Medicare [...]

Turning 65 and have Obamacare

If you are turning 65 and have Obamacare health insurance, BE SURE TO CANCEL YOUR OBAMACARE PLAN! I was talking to a woman today who turned 65 in May.  She was already collecting Social Security so she was automatically enrolled into Medicare [...]
medicare numbers

New Medicare Numbers are coming.

New Medicare numbers (on a new Medicare card) are going to be sent to everyone on Medicare – but not until 2018. The new Medicare cards will use a unique, randomly-assigned number called a Medicare Beneficiary Identifier (MBI), to replace [...]
medicare advantage problem

Medicare Advantage Problem

My neighbor called me recently about her Medicare Advantage problem.  Renee has a pacemaker to keep her heart beating properly – but she nearly had a heart attack when her Medicare Advantage plan told her she was not eligible to get her [...]

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