恭喜發財. Wishing you prosperity.
Lunar New Year, is the most important celebration observed in China, with cultural and historic significance.The New Year celebration is centered around removing the bad and the old, and welcoming the new and the good.
Traditional activities include reunion dinner, cleaning houses, visiting family members, setting off firecrackers and fireworks, and doing some religious practices.
May the New Year bring many good things and rich blessings to you and all those you love!
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Happy Lunar New Year | I’m Mike Harrington, assisting you to get the coverage that fits your needs Contact me today.
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Happy Presidents’ Day | I’m Mike Harrington, assisting you to get the coverage that fits your needs Contact me today.
Presidents' Day celebrates all past and present U.S. presidents.
It reflects on the nation's founding principles and values, including the Constitution and union.
Reading of Washington's Farewell Address by a U.S. senator remains an annual event for decades.Many patriotic and historical groups celebrate Presidents' Day with reenactments and events. -
Medicare Appeals See Early-Year Processing Focus
January 2026 sees major Medicare administrative delays due to new Part D rules, federal oversight pilots, and seasonal healthcare demands. Prescription drug appeals surge as formularies narrow, prior authorizations cause denials in select states, and skilled nursing facility coverage appeals slow amid compliance tasks. Inpatient stay audits, durable medical equipment billing, and surprise out-of-network dispute resolutions face significant backlogs, causing prolonged patient billing uncertainties. Immediate, well-documented appeals are crucial.
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Medicare 101: Understanding Drug Coverage | I’m Mike Harrington, assisting you to get the coverage that fits your needs Contact me today.
Medicare Part D helps cover the cost of prescription medications.
Plans are run by private insurers — each with its own drug list (formulary) and pricing.
You’ll pay a monthly premium, plus copays or coinsurance depending on your prescriptions.
Part D can be added to Original Medicare or included in Medicare Advantage plans.
Review your plan every year — drug lists and costs change! -
Insurance Letters Seniors Should Read Immediately
In 2026, retirees must urgently open five key Medicare-related letters: Plan Termination Notices signal insurers exiting areas, risking loss of drug coverage; Network Termination Letters warn doctors leaving networks, causing out-of-pocket costs; Formulary Change Notices indicate drug removals or higher tiers; Coordination of Benefits Requests must be returned to avoid claim denials; IRMAA Determination Letters allow 60 days to appeal income-based premium surcharges. Ignoring these can lead to lost coverage or high costs.
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Ways Your Medicare Advantage Plan May Have Changed This Year
Medicare Advantage plans often change yearly, affecting deductibles, copays, networks, and benefits. Unlike original Medicare, which has consistent rules, Advantage plans vary and may increase costs in 2026. They offer extra benefits like dental, vision, hearing, and sometimes home services or meal delivery for certain conditions. Networks may change, limiting provider options and increasing out-of-network costs. Enrollees have until March 31 to switch plans or return to original Medicare.
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Medicare Tips for Retirees | I’m Mike Harrington, assisting you to get the coverage that fits your needs Contact me today.
Late Part B signup triggers 10% yearly penalty, lasting for life.
Medicare Advantage plans change yearly; comparing can save avg. over $1,800.
Part D plans differ in drug coverage; switching saved one client $1,100 in 2026.
Exceeding IRMAA income thresholds means surcharges; plan income to avoid extra costs.
Experts urge consulting advisors for personalized Medicare and retirement planning.
