Medicare’s Annual Enrollment Period runs from October 15 to December 7 each year. If you’re down to the last month, it’s time to act quickly. Review your current plan’s benefits, premiums, and coverage for medications or providers. Compare other Medicare Advantage or prescription drug plans to see if switching could save money or improve care. Failing to renew or update by December 7 can result in waiting until next year’s window or facing penalties. Early renewal ensures uninterrupted coverage and peace of mind.
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How to Choose the Right Medicare Advantage Plan: A Step-by-Step Checklist
Medicare Advantage plans bundle hospital and medical coverage, often including prescription drugs and extra benefits like dental, vision, and fitness programs. When choosing a plan, check if your doctors and hospitals are in-network, if your prescriptions are covered, what extra benefits matter, how coverage works when traveling, and the plan’s CMS star rating. Comparing these factors helps find the best plan for your health needs.
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Find Affordable Health Insurance Plans | I’m Mike Harrington, assisting you to get the coverage that fits your needs Contact me today.
Medicare enrollment: Oct. 15–Dec. 7; ACA marketplace: Nov. 1–Jan. 15, 2026
Nearly **70 million** use Medicare; about **5,600** Medicare Advantage Plans expected in 2026
ACA tax credits for **22 million** may expire end of 2025, risking premiums ↑ by >$1,200/yr
Experts warn of 'sticker shock' and possible coverage loss if subsidies end
Employer plans: costs ↑, HSA/FSA limits ↑; more uninsured could raise premiums systemwide -
Medicare & Telehealth: What’s Covered? | I’m Mike Harrington, assisting you to get the coverage that fits your needs Contact me today.
Medicare now includes telehealth services, letting you see doctors virtually without leaving home.
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If You Skip These Medicare Deadlines, It Could Cost You Thousands
Medicare eligibility begins at 65, with key deadlines to avoid penalties. The Initial Enrollment Period (IEP) spans seven months around your 65th birthday; missing it can cause lifetime Part B premium penalties of 10% per year delayed. A Special Enrollment Period (SEP) applies if you had employer coverage. Annual Enrollment (Oct 15-Dec 7) allows changes to Part D or Advantage plans, with penalties for late Part D enrollment. The General Enrollment Period (Jan 1-Mar 31) is a last chance but includes penalties. Meeting deadlines avoids costly lifetime fees.
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Happy Halloween | I’m Mike Harrington, assisting you to get the coverage that fits your needs Contact me today.
Halloween falls on October 31 because the ancient Gaelic festival of Samhain, considered the earliest known root of Halloween, occurred on this day.
In the eighth century, Pope Gregory III designated November 1 as a time to praise all saints.
Soon, All Saints' Day incorporated some traditions of Samhain and the evening before was known as All Hallows Eve, and later Halloween.
Over time, Halloween evolved into a day of activities like trick-or-treating, carving jack-o-lanterns, festive gatherings, donning costumes and eating treats.
Today’s the day to eat candies and sweets to your heart’s content! Happy Halloween! -
What Is Medicare? How It Works And What It Covers
Medicare offers Original Medicare (Parts A and B) or Medicare Advantage (Part C) for seniors and disabled individuals. Original Medicare covers hospital and outpatient care, with optional Part D for prescriptions and Medigap for extra costs. Medicare Advantage, provided by private insurers, includes additional benefits like dental and vision but may limit provider choice. Enrollment periods and costs vary, with income affecting Part B premiums. Medicare differs from Medicaid, which is income-based.
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What Is Medicare, and What Does It Cover?
Medicare is a federal health insurance program for those 65+ or with certain disabilities, consisting of Parts A (hospital care), B (doctor visits), C (Medicare Advantage), and D (prescription drugs). Original Medicare includes Parts A and B, with separate Part D and Medigap options. Medicare Advantage combines A, B, and usually D with extra benefits. Costs vary by part, with penalties for late enrollment. Medicare doesn't cover most dental, vision, hearing aids, or long-term care.
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Which Medicare Plan Fits Your Needs? | I’m Mike Harrington, assisting you to get the coverage that fits your needs Contact me today.
Medicare has four main parts and optional Supplement plans.
Part A covers hospitalization; 99% of enrollees qualify for free coverage at age 65.
Part B covers outpatient care, costs about $185 monthly, with higher rates for high-income earners.
Part C, Medicare Advantage, bundles A, B, usually prescriptions, and averages 38 plan options locally.
Part D covers prescriptions, with a $2,000 annual out-of-pocket cap, and Medigap reduces remaining costs. -
Master Medicare: Your Guide to Insurance Empowerment
Know the parts: A covers hospital, B covers services, C is Advantage Plans, D covers drugs—choose based on your needs.
Avoid penalties by enrolling during the Initial Enrollment Period or qualifying special periods—mark your calendar and stay informed.
Evaluate costs, coverage, and provider networks across Original Medicare, Advantage Plans, and Medigap to find your best fit.
Contact me to get personalized advice and apply for the right Medicare coverage for you.Continue to full article