Whether you are new to Medicare, or have been a beneficiary for years, it can be confusing to navigate. So, here’s my attempt to cover all the basics based on questions I’ve received over the years helping folks with Medicare. “So, what is Medicare anyway?” It’s health insurance for people ages 65 and up, as…

If you have what is known as Original Medicare, you probably have a supplemental Medigap plan. I thought I’d take you back through time to explore the history and regulatory evolution of these secondary health plans, which are designed to supplement Original Medicare’s cost sharing. Since Medicare went into effect on July 1, 1966, private…

As we approach another Medicare Open Enrollment season, I thought it would be appropriate to look back on how it all began, and the steps it took to get there! Nearly 60 years ago, in Independence Missouri, President Lyndon B Johnson signed the bill that became Medicare & Medicaid. The date was July 30th, 1965….

A brief overview of the significant changes to Medicare’s Part D prescription drug program for 2025. Beginning in 2025, your out-of-pocket prescription drug costs will be capped at $2000. For the rest of 2024, they will be capped at $8000. This will streamline the confusing Part D stages into three and eliminate the coverage gap…

I’ve owned this URL domain for a little over ten years now. I purchased it soon after launching my career as a licensed health insurance broker thinking I should probably start writing about the subject that I made my profession. Procrastination got the best of me and… well here we are ten years later. I…