Understanding Medicare

Medicare is health insurance for people who are age 65 or older or people under age 65 with certain disabilities. Medicare is also available to anyone with end-stage renal disease, regardless of age. There are several “parts” to Medicare. Each … [Read more...]

Original Medicare Coverage

Medicare Part A and Part B are often called “Original Medicare.” This coverage is managed by the federal government, and generally, there is a cost for each service. Part A – Hospital Insurance Medicare Part A helps cover inpatient care in … [Read more...]

Alternatives to Original Medicare

Medicare Advantage Plans include the standard benefits available through Medicare Part A and Part B, along with additional benefits. Most Medicare Advantage Plans cover Medicare Part D prescription drug coverage. You can enroll in a Medicare … [Read more...]

Finding a Medicare Prescription Drug Plan

Medicare Part D helps cover the cost of prescription drugs and is available to everyone who is eligible for Medicare. Part D coverage may help lower your prescription drug costs and help protect against higher costs in the future. To get this … [Read more...]

Supplementing Original Medicare

A Medigap policy (also known as “Medicare Supplemental Insurance”) is private health insurance that supplements Original Medicare. A Medigap policy helps pay some of the health care costs that Medicare doesn’t cover (known as “gaps”). These are costs … [Read more...]

Effects of Health Care Reform

When the Affordable Care Act was passed in 2010, Medicare was strengthened. People age 65 and older now have access to many preventive health services with no out-of-pocket costs. The law also gives seniors discounts on drugs when individuals are in … [Read more...]

Keeping Health Care Affordable

Each year, Medicare publishes a list of the amounts it will pay for hospital and medical services. This is known as "Medicare assignment." Doctors that accept Medicare assignment will charge you only the Medicare-approved amount, once you have met … [Read more...]

Enrolling in Medicare

Knowing when to sign up for Medicare is very important. If you miss certain enrollment periods, you may have to pay more for coverage and your start date can be delayed. We’re here to help if you need trusted advice about Medicare enrollment. If … [Read more...]

Making Your Medicare Decision

You can get coverage through Original Medicare, combine Original Medicare and a Medigap policy, or by purchasing a Medicare Advantage Plan. Decide which option is best for you in three quick steps. We’re Here to Help We know that your health … [Read more...]

Medicare Glossary

Advance Coverage Decision. A notice you get from a Medicare Advantage Plan letting you know in advance whether it will cover a particular service. Appeal. The action you can take if you disagree with a coverage or payment decision made by … [Read more...]


Let us help you make sense of Medicare. … [Read more...]