Category: Uncategorized

Enrolling in Medicare on time helps avoid lifelong premium surcharges that can significantly raise costs.
Reviewing plan options each year during open enrollment allows retirees to adjust coverage as healthcare needs and costs change.
Switching plans strategically may lower premiums, copays, or provide better benefits.
Buying a Medigap policy early offers protection against high out-of-pocket expenses and ensures easier approval.
Together, these steps can help reduce healthcare costs and make retirement savings last longer.

Medicare provides health insurance for seniors 65+ and people with disabilities in the U.S.
Eligibility begins at 65 or after 24 months on SSDI, with sign-up periods varying.
Original Medicare (Parts A & B) covers hospital and outpatient care; Part D adds prescriptions.
Medicare Advantage (Part C) combines Parts A and B, often including dental, vision, and hearing.
Costs vary: Part A ~$0, Part B $185–$629, Part C & D vary by plan.

If you qualify for both Medicare and Medicaid, you're a dual eligible—and may get extra benefits.

Indigenous Peoples’ Day celebrates, recognizes, and honors the beautiful traditions and cultures of the Indigenous People
We take a stand for and support the indigenous people on this day.
We should also offer our support to those who invest and uplift the indigenous communities.

Yes—some Medicare Advantage plans give you money to buy over-the-counter health items each month.

You can’t get Medigap with Medicare Advantage.
It’s only for those who stick with Original Medicare.

Think it’s just hospital coverage?
Medicare Part B often covers mental health, durable equipment, even second opinions for surgery.

Over 64 million Americans enrolled in Medicare, a federal health insurance program.
Medicare covers doctor visits, hospital stays, and prescription medications for eligible individuals.
Eligibility: Age 65+, certain disabilities, or End-Stage Renal Disease; must be U.S. citizen or lawful resident.
Medicare has four parts: A (hospital), B (medical), C (Advantage), D (prescription drugs).
Understanding options helps maximize benefits and minimize out-of-pocket costs.

Medigap is supplemental insurance covering gaps in Medicare Parts A and B costs.
There are 10 standardized Medigap plans (A-D, F, G, K-N) in most U.S. states.
Plans cover copayments, coinsurance, deductibles, with 2025 caps of $3,610–$7,220.
Enroll at 65 during six-month open enrollment for guaranteed coverage, regardless of pre-existing conditions.
Medigap allows any Medicare-accepting doctor and includes a 30-day trial for plan cancellation.