Original Medicare doesn’t cover routine dental or vision care — that’s where supplemental plans come in.
Dental plans help with cleanings, fillings, and dentures.
Vision plans cover exams, glasses, and contacts.
Indemnity plans pay a set amount per service — flexible cash benefits you can use how you choose.
You can add these to Medicare Advantage or purchase them separately.
For complete protection, combine Medicare + supplemental coverage tailored to your health needs.
Blog
-
Beyond Medicare: Dental, Vision & Indemnity Coverage | I’m Mike Harrington, assisting you to get the coverage that fits your needs Contact me today.
-
Costly Medicare Advantage Myths That Can Cost You in 2026
Medicare Advantage plans offer an alternative to Original Medicare, often including additional benefits like prescription drugs, hearing, and vision coverage. They typically have lower deductibles and out-of-pocket maximums than Original Medicare plus Medigap. You can switch between plans annually, even with pre-existing conditions. Original Medicare isn't free and has limited coverage, so comparing options is essential to find the best fit for your health needs.
Continue to full article -
Medicare IRMAA Trap 2026: How to Avoid Higher Premiums
IRMAA is an extra Medicare Part B and D surcharge for high-income retirees, based on Modified Adjusted Gross Income from two years prior. In 2026, standard Part B premiums are $202.90, but higher earners pay 35%-85% more. Even $1 over the threshold triggers IRMAA, though appeals are possible after life changes. Planning, like Roth IRA conversions, can reduce future IRMAA costs but requires careful timing.
Continue to full article -
Happy Holidays | I’m Mike Harrington, assisting you to get the coverage that fits your needs Contact me today.
The middle of winter has long been a time of celebration around the world.
Many peoples rejoiced during the winter solstice, when the worst of the winter was behind them, and they could look forward to longer days and extended hours of sunlight.Popular modern customs include gift-giving and the display of various holiday decorations.Here's wishing you Happy Holidays! May the good times and treasures of the present become the golden memories of tomorrow. We hope you have a safe and relaxing holiday season.Happy Holidays! -
2027 to Deliver Savings on 15 Medicare Part D Medications
Starting in 2027, prices for 15 high-cost Medicare Part D drugs, including treatments for cancer, diabetes, and respiratory diseases, will be significantly reduced by about 44%. This second round of price negotiations under the Inflation Reduction Act is expected to save Medicare $12 billion and beneficiaries $685 million in out-of-pocket costs. The program aims to improve drug affordability and access for millions of Medicare patients.
Continue to full article -
Medicare Advantage Cuts Expected Nationwide in 2026 | I’m Mike Harrington, assisting you to get the coverage that fits your needs Contact me today.
Major Medicare Advantage (MA) offerings are being reduced in 2026.
Counties with smaller populations of people over 65 are most affected, though some areas will gain plans.
Overall, MA enrollment is expected to drop by nearly one million beneficiaries compared to 2025.
The cutbacks are driven by higher patient usage, sicker enrollees, and reduced government reimbursement rates.
Some insurers, such as Humana and Clover Health, are still increasing plan availability nationwide. -
Winter Reprocessing Brings New Opportunities for Medicare Claim Approval
This winter, Medicare claim denials are rising due to tighter scrutiny on duplicate claims, stricter coding, out-of-network services, durable medical equipment, preventive services, telehealth, and increased documentation requests. Seniors face delays and financial strain, especially during high-demand seasons. Staying organized, verifying coverage, and maintaining clear communication with providers can help retirees manage these challenges and reduce denial risks.
Continue to full article -
Yes, You Need Life Insurance Even if the Kids Are Grown
Life insurance is important even if your children are grown and your mortgage is paid off. It can cover funeral expenses, pay off debts, support surviving family members by replacing lost income, settle your final tax bill, and leave a charitable donation. Life insurance ensures your loved ones are financially protected and can help fulfill your wishes after you pass away.
Continue to full article -
Lost Your MA Plan? Here’s What to Do | I’m Mike Harrington, assisting you to get the coverage that fits your needs Contact me today.
Beneficiaries should check their Annual Notice of Change (ANOC) to see if their MA plan will continue in 2026.
Open Enrollment allows switching to available MA plans or Original Medicare, with a second period in early 2026.
Missing enrollment may default members to Original Medicare, risking loss of prescription coverage without Part D.
Compare plans carefully, including premiums, deductibles, provider networks, and drug formularies, to avoid coverage gaps.
Options like Medigap or Medicare Cost Plans and consulting SHIP advisors or brokers can help navigate cancellations. -
Most Americans Pleased With Health Insurance Options for 2026
Most Americans are satisfied with 2026 health insurance options, especially those with employer-sponsored plans (81%) and Medicare (86%). However, 79% of ACA enrollees were surprised by rising premiums. Many expect Congress to extend ACA subsidies. Interest in AI for selecting plans is high, with 56% willing to use it to save time and money. Medicare Advantage shows stable premiums, higher out-of-pocket maximums, and 86% of plans have $0 monthly premiums.
Continue to full article