Medicare Enrollment Periods are specific windows of time that allow you to enroll in Medicare or a Medicare Plan.  If you miss the...

An ancillary product is an add-on insurance that works with your main insurance to offer additional financial support to help offset...

Marketplace/Affordable Care Act (ACA) SEPs:  ACA Special Enrollment Periods (SEPs)   allow individuals and families to enroll in, change,...

When will I be billed or charged for my plan?   Most carriers don’t charge for their plans until the beginning of January, after new...

I missed the enrollment period and didn’t change my Medigap plan, do I have to wait until the next Annual Enrollment Period?   If you are...

How can they offer insurance with no premium?   While you do not have a premium to pay, you do have cost sharing in the form of ...

For many, the new year means a new insurance plan. Familiarize yourself with some common insurance terms. Understand what these terms...

One of the unintended consequences of the new Part D rules is how it may affect those who are over 65 and have opted to stay in their...

It's been awhile since we've offered a new product, and we are excited to have an alternative to high-cost ACA, limited short-term...

WHY WILL THIS AEP BE DIFFERENT? As you have probably heard, there are big changes  to 2025 drug plans as carriers adjust to their...

The big news is that there will be a $2,000 cap on out-of-pocket spending on Part D plans.  This includes Advantage plans, however they...

We get lots of questions at this time of year about this, so let's discuss Part D prescription drug coverage and the "donut hole" in...

It’s becoming more and more common for people to delay retirement until long past the age of 65 while actively working and often stay on...

The biggest change to costs for Medicare Beneficiaries is that prescription drug costs have dropped in 2024 for people on...

Choosing the right health insurance plan can be tedious and overwhelming, but here are some important factors to consider to help make...

(Updated February 2025) New to 2025 are AI scams.  The potential to create an image, video or voice of someone can make many existing...

Are you finding it hard to navigate through the complicated world of health insurance terminology? You're not alone. The lingo can be...

Click on the links below to see FAQs for the specific types of health insurance. Medicare Advantage Plan FAQs Medicare Medigap (Medicare...

When will I be billed or charged for my plan? Most carriers don’t charge for their plans until the beginning of January, after new plans...

I missed the enrollment period and didn’t change my Medigap plan, do I have to wait until the next Annual Enrollment Period? If you are...