decoding-medicare

Medigap VS Advantage: The Ultimate Guide

Wed, 01 Apr 2026 19:58:58 GMT

Learn the Two Paths That Simplify Everything

One of the fastest ways to understand Medicare is to understand the difference between Medigap and Medicare Advantage. If you truly understand these two paths, everything else starts to fall into place.

Every week, I talk to people who feel overwhelmed. You’re hearing about Parts A, B, C, and D… then letters like G, N, and more. On top of that, you’re seeing ads or getting calls promising money back, groceries, or gift cards but they’re not actually explaining how the plan works.

So how are you supposed to make a confident decision when you don’t even have a clear foundation yet?

Let’s simplify it.

You don’t have hundreds of choices.

You have two paths: Medigap or Medicare Advantage .

Start Here: Original Medicare Comes First

Before choosing any additional coverage, you must enroll in Original Medicare (Parts A and B) on time to avoid penalties.

No matter which path you choose, you’ll still pay your Part B premium which for most people in 2026 is about $202.90 per month .

Why do people add additional coverage?

There are two main reasons:

Medicare has no cap on your out-of-pocket costs
You can run out of hospital coverage days

That’s why most people choose either a Medigap plan or a Medicare Advantage plan.

The Big Difference: These Plans Are Opposites

Medigap: Keeps Medicare as Your Primary Coverage

A Medigap plan is a policy you buy from a private insurance company that helps pay Medicare’s leftover costs.

Medicare pays first
Your Medigap plan pays second
Your doctor just needs to accept Medicare

There are:

No networks
No referrals
Typically no prior authorizations

This is why people describe Medigap as freedom and predictability .

Medicare Advantage: Replaces How Medicare Is Administered

A Medicare Advantage plan is an alternative way to receive your Medicare benefits through a private insurance company.

Medicare pays the Advantage Plan company
The plan manages your care
The plan’s rules apply

This means:

Networks matter
Referrals may be required
Prior authorizations are common

This is why Medicare Advantage works very differently; it’s structured more like traditional health insurance.

Let’s Talk About Cost (Because This Is Where It Gets Misleading)

Medigap

Higher monthly premiums
Very low out-of-pocket costs
Easy to predict your annual spending

Your financial exposure is typically:
Monthly premium × 12 + small deductible

Medicare Advantage

Low or even $0 monthly premiums
Pay as you go (copays, coinsurance)
Costs are less predictable

Each plan has a maximum out-of-pocket limit (as high as $9,250 in-network). That’s your financial risk in a worst-case scenario.

Important detail most people miss:
When you see 20% coinsurance , that’s 20% of the plan-approved amount, not a fixed number. The only true cap is the max out-of-pocket.

Predictability vs. Change

Medigap

Benefits never change (Plan G is always Plan G)
Premiums can increase over time

Medicare Advantage

Plans can change every year
Copays
Networks
Drug coverage
Extra benefits

Low premiums are often maintained by adjusting benefits over time . This means that out of pocket costs can go up in the long term.

Restrictions and Flexibility

Medigap

See any provider nationwide that accepts Medicare
No networks
Minimal restrictions

Medicare Advantage

Must use plan network (in most cases)
May need referrals
Prior authorizations are common

For some people, this feels normal. For others, it feels limiting.

Prescription Drug Coverage

Medigap : Requires a separate Part D drug plan
Medicare Advantage : Usually includes drug coverage

Switching Plans Later: What You Need to Know

This is one of the most overlooked, and most important, differences.

You can always move from Medigap to Medicare Advantage
You cannot always move back to Medigap

Why?

Because Medigap often requires medical underwriting after your initial enrollment window. That means you can be denied based on health.

Medicare Advantage plans:

Never require health questions
Are easier to switch to during valid enrollment periods

This is something many advertisements and sales calls simply don’t explain.

How Do You Decide?

There is no “one-size-fits-all” answer. The right plan depends on your comfort level, personality, finances, and priorities.

Ask yourself:

How important is freedom to choose any doctor ?
What level of financial risk are you comfortable with?
Would you rather:
Pay more monthly and have fewer surprises?
Or pay less monthly and pay as you go?
Are you comfortable navigating:
Networks?
Authorizations?
Possible appeals?

Some people prefer the simplicity and predictability of Medigap.

Others are perfectly comfortable with Medicare Advantage and appreciate the lower monthly cost.

Neither choice is wrong but making a decision without understanding both is where problems happen.

The Bottom Line

If you take nothing else away from this, remember:

Medigap = higher premiums, lower risk, more freedom
Medicare Advantage = lower premiums, higher potential risk, more rules

Once you understand that, Medicare starts to make a lot more sense.

Medigap vs. Medicare Advantage : Side-by-Side Comparison

Need Help Comparing Your Options?

If you want help reviewing real plan options in your area, I can walk you through it step by step.

We can:

Make sure you enroll in Medicare correctly
Compare Medigap vs. Medicare Advantage based on your situation
Review your true maximum out-of-pocket exposure
Help you choose a plan you feel confident about

My help is always 100% free, and there’s no pressure.

You can schedule a time here on the contact page.

The Exact Medicare Plan I Chose for My Husband (And Why It Might Surprise You)

Wed, 04 Mar 2026 21:56:38 GMT

The Decision Behind My Husband’s Medicare Plan

If you want the quick answer: We chose the High Deductible Plan G .

But before you decide whether that sounds right or wrong, let me walk you through the full context. Because Medicare decisions only make sense when you see how all the pieces fit together.

First: Understanding the Two Paths on Medicare

When someone turns 65, they usually receive their Medicare card in the mail about three months before their birthday month if they’re already collecting Social Security. (Otherwise, you'll sign up directly on SSA.gov).

And then what?

The government sends a booklet… and that’s about it.

No clear roadmap. No step-by-step guidance. No explanation of how to choose a plan. And if you’re still working? You’re left trying to figure out whether you even need Medicare yet.

That’s why I teach that once you enroll in Medicare, there are only two paths you can take:

1. Original Medicare + Medigap

2. Medicare Advantage

These two paths are complete opposites.

Medigap works with Original Medicare and pays your out-of-pocket costs.
Medicare Advantage replaces Original Medicare with a private insurance plan that administers your benefits, typically with copays, networks, referrals, and a bundled drug plan.

It’s a waste of time to compare individual plans or companies before understanding which path fits your goals. Understanding the plan types matters more than chasing a certain carrier or specific plan.

For my husband, I ruled out Medicare Advantage very early.

Why We Chose the Medigap Path

One of my biggest priorities for him was freedom of providers .

If he wants to see a specialist, I don’t want him:

Waiting for referrals
Checking network lists
Wondering if a doctor is covered

With Original Medicare plus a Medigap plan , he can see any provider nationwide who accepts Medicare. That flexibility was important to us.

So once we knew we were choosing Medigap, the real question became: Which Medigap plan?

Plan G vs. High Deductible Plan G

Let’s compare the two.

Regular Plan G

Plan G is the highest coverage Medigap plan available to new Medicare eligibles. After you pay the small annual Medicare Part B deductible ($283 in 2026), it covers everything Medicare approves.

It’s simple . It’s predictable. It gives peace of mind.

In Florida, premiums typically range from $220–$280 per month to start, and they increase over time. Eventually, many Plan G premiums reach $300–$400+ per month.

High Deductible Plan G

Now here’s where it gets interesting.

With High Deductible G :

You pay 20% of Medicare-approved costs AND
The Part A hospital deductible ($1,736 in 2026) in the event of an inpatient stay...
Until you reach the annual deductible ($2,950 in 2026)

After that, it works just like regular Plan G.

Important clarification:
You are not paying 100% until $2,950. You’re paying 20% of Medicare’s already deeply discounted rates.

That distinction matters.

Premiums for High Deductible G range from about $60–$100 per month. The plan we chose is $62 per month.

That premium difference was significant.

My Thought Process

This decision came down to several key factors:

1. Freedom of Providers

Non-negotiable. We wanted Original Medicare + Medigap.

2. Risk Tolerance

Are we comfortable potentially paying up to $2,950 in a worst-case year? Yes.

But here’s the reality : it takes a lot of medical usage to actually hit that full deductible because Medicare’s fee schedule is so heavily discounted.

3. Long-Term Premium Increases

This was huge for me.

Plans that require members to pay more upfront before the plan pays (such as High Deductible G), historically experience lower rate increases.

Regular Plan G premiums tend to rise significantly over time. High Deductible G plans typically increase at a slower pace.

Over 10–20 years, that difference can equal thousands of dollars.

I’m betting on long-term savings.

4. Health Status

My husband isn’t perfectly healthy but he’s not seeing specialists every single month either.

If he had multiple serious conditions requiring constant care, I may have chosen regular Plan G. This decision is highly personal .

The Bonus Feature That Sealed the Deal

There was one additional feature that made this decision even stronger .

The company we chose, United American , offers a unique savings account feature attached to their High Deductible G.

It’s funded by the member and earns 3% interest.

It’s not an HSA — but it functions similarly in that:

You deposit at least $50 per month (I chose $100).
The account automatically pays the Part B deductible.
It pays claims until the high deductible is met (as long as funds are available).
You control the funds.

This essentially helps smooth out the deductible risk and removes the hassle of paying medical bills manually.

For us, it made the High Deductible G feel even more practical .

Common Misunderstandings About High Deductible G

Let’s clear up a few things:

“You’ll definitely hit the full deductible.”
Highly unlikely for most people.

“It’s only for perfectly healthy people.”
Not necessarily. This is a financial planning decision, not a health gamble.

“High deductible means you pay 100%.”
No. You pay 20% of Medicare-approved rates until the deductible is reached.

However, if that $2,950 number feels stressful to you, then this plan may not be right for you.

Peace of mind matters.

There Is No “Best” Plan

One of the biggest mistakes people make is asking:

“What’s the best plan?”

There isn’t one.

The best plan depends on:

Your income
Your risk tolerance
Your personality
Your long-term goals
Your comfort with uncertainty

My own mother has a Medicare Advantage plan and doesn't lose any sleep over the restrictions she might face, or the annual max out-of-pocket. But she DID feel stressed out over the ever-increasing Medigap premiums.

Insurance is emotional. It’s personal .

A Few Important Enrollment Reminders

Medigap plans can often be changed year-round (health questions may apply in some states).
The fall Annual Enrollment Period is not for Medigap.
The Medicare Advantage Open Enrollment Period runs from January 1 to March 31 and allows Advantage members to switch plans or return to Original Medicare.
If you’re new to Medicare, you have a personal timeline based on either turning 65 or retiring.

This is where mistakes can become expensive.

Final Thought

When I chose the High Deductible Plan G for my husband, it wasn’t because it’s “the best.”

It was because it fit our goals, risk tolerance, and long-term financial strategy.

Your decision should feel just as aligned with your situation.

If you need help walking through your options whether you’re turning 65, already on Medicare, second-guessing your choice, or simply looking for a lower rate, I help with all of it.

You can schedule time with me here by choosing a day and time that works for you.

Do this to Prep for the Medicare Open Enrollment

Fri, 12 Sep 2025 15:15:25 GMT

Do You Need to Make a Medicare Change?

Medicare’s Annual Election Period (AEP), also called Open Enrollment, runs from October 15 – December 7.

For many people, this season feels overwhelming. With all the choices, and all the chaos, sometimes it’s tempting to just ignore it and hope everything stays the same. I've broken it down for you in plain English so you know exactly what this window means, (whether it even applies to you), and exactly what to do to get ready.

#1 Know Who Open Enrollment Is For (& Who Can Skip It )

Here’s the simple version:

If you have a Medicare Advantage plan (Part C):
This is your chance to switch to a different Advantage plan, or go back to Original Medicare (careful though: you may not be guaranteed acceptance onto a Medigap plan to pair with your Original Medicare. Consider getting approved on the Medigap plan first, before dropping the Advantage Plan).
If you have a standalone Part D prescription drug plan:
This is your time to review and switch if needed.
If you have Original Medicare with a Medigap (supplement) plan:
Open Enrollment doesn’t apply to Medigap. But you can still take action on the following:
1.) check your stand-alone drug coverage (Part D).
2.) Consider shopping your Medigap rates since you can apply for a lower rate any time of year.
3.) If your rates are too high and you can't qualify to lower them, you may consider switching to an Advantage Plan (must be done during the fall AEP).

If you’re not on Medicare yet:
You can ignore this enrollment window and focus on YOUR personal Medicare timeline . You'll take action during your Initial Enrollment Period ( around your 65th birthday or when you leave employer coverage ).

#2 What’s That Letter in the Mail? Find Your Plan's "ANOC"

If you’re already enrolled in an Advantage plan or Part D drug plan, you should receive a letter, or more commonly a booklet, each September called the Annual Notice of Change (ANOC) .

This packet of information outlines what’s changing in your plan for the next year, including things like:

Monthly premiums
Copays and deductibles
Benefits

⚠️ What it doesn’t always spell out clearly: changes to the coverage of YOUR personal prescription list, pharmacy networks, or doctor networks. For that, you’ll need to double-check on your plan’s website starting October 1.

#3 See the Signs: It Might Be Time to Switch

So how do you know if you should make a change? Here are a few red flags �� :

Your premiums or copays are going up
Your prescription needs have changed ( or costs feel too high )
You’ve had a new health diagnosis or need new specialists
You’ve accidentally used out-of-network providers ( ouch on those bills! )
You’ve never reviewed your plan, but just let it auto-renew

Even if everything feels fine, it’s still smart to check . Plans can change behind the scenes from year to year.

When Do Changes Take Effect?

Any changes you make during Open Enrollment will start on January 1, 2026 .

And here’s a little safety net:

During Open Enrollment (Oct 15 – Dec 7), you can change your plan more than once—the last one submitted is the one that sticks.
If you’re in a Medicare Advantage plan, you also have a one-time chance between January 1 – March 31 to make another switch.

You Don’t Have to Do This Alone

Here’s the best part: you don’t have to sort through all the fine print or second-guess your decisions. That’s what I’m here for.

As an independent Medicare broker, I walk you through your options step by step, no pressure, no cost to you. My goal is to make sure your plan actually fits you going into 2026.

I'm currently scheduling new client appointments for those looking to make a Medicare Advantage Plan switch - whether dropping it and moving to Medigap, or moving to a more suitable Advantage Plan.

I'm also working with those seeking to go from their Medigap to an Advantage Plan.

The majority of drug plans don't compensate brokers so I have to limit "drug plan only" appointments to those that are existing clients with a Medigap plan or those working on their Medigap or Advantage Plan changes with me. Sorry for any inconvenience!

�� Ready to make sure you’re set for the year ahead? Book a time on my calendar here and let’s review your plan together.

New-to-Medicare Bootcamp: Day 5

Thu, 26 Jun 2025 13:40:44 GMT

What Medicare Doesn’t Cover (And What You Can Do About It)

Welcome to Day 5 of the "New to Medicare" Bootcamp!

We’re tackling two topics that don’t get talked about enough but are incredibly important:

How to get dental, vision, and hearing coverage when you're on Medicare
What kind of ongoing upkeep your Medicare plan needs to stay in shape

If you missed any of the earlier days in the Bootcamp, you can find all the past blog posts by browsing the Decoding Medicare blog.

What Medicare Doesn’t Cover

Here’s what Original Medicare (Parts A & B) doesn’t include:

Routine dental care like cleanings, fillings, or crowns
Eye exams for glasses and the glasses themselves
Hearing tests and hearing aids

Medically necessary procedures (like cataract surgery or treatment for glaucoma) and exams to check for these medical issues are covered. But if you’re going to an optometrist for a routine appointment to update your glasses prescription, you’re likely footing the bill.

Your Options for Dental, Vision & Hearing Coverage

When you’re on Medicare, you’ve got two main paths to add dental, vision, and hearing coverage:

1. Standalone Plans

These are private plans that you buy separately. Some are dental-only, and others bundle dental, vision, and hearing.

�� Typical cost: $35–$65/month depending on benefits

2. Medicare Advantage Plans

Some Advantage plans include extra benefits like dental and vision, but they vary a lot.

Important: Only choose an Advantage plan for medical coverage first, not just the dental extras. Don’t let free cleanings be the reason you give up better medical benefits.

5 Things to Look for in a Plan

Before you sign up for a dental or bundled plan, make sure you understand:

Waiting periods – Will you have to wait before major services are covered?
Deductibles – What’s the upfront cost before the plan pays?
Preventive care – Are cleanings and exams fully covered?
Major services – What percent is covered for crowns, root canals, etc.?
Annual maximum – What’s the cap on what the plan will pay each year?

Plans I Recommend Most Often

Here are the three dental plan options I work with and recommend most:

�� Manhattan Life (Dental + Vision + Hearing)

Up to 80% coverage for major services
One deductible for all three services
Works with any provider, but better rates in-network

�� Physicians Mutual (Dental only, vision optional)

No annual cap on dental coverage
No deductible
Preventive care covered at 100% in-network
Optional vision/hearing add-on available

�� NCD/MetLife (Dental only)

Uses the large MetLife network
Predictable copays instead of percentages
Very affordable ($35/month range), may not be available in all states & zip codes.
Great if your current dentist accepts MetLife

And if you’re not a fit for any of the plans I offer, I’ll point you to a few outside options like the AARP Delta Dental HMO or even a dental savings plan.

How to Keep Your Medicare Plan on Track

Even if you’re happy with your current plan, it’s important to review things each year.

Here’s why:

�� Part D and Advantage Plans Change Every Year

Drug formularies, premiums, deductibles, and pharmacy networks can all change year to year, without you realizing it until it’s too late. That’s why October 15 to December 7 is the time to review and make changes.

�� Medigap Premiums Go Up

If you have a Medigap plan, your rates will likely increase over time. The good news? If your health is stable, you can often switch to a lower-cost version of the same plan. I help with that too. (Some states allow you to change every year or around your birthday, regardless of health).

�� There’s a Bonus Window in Jan–Mar

If you’re on a Medicare Advantage plan and realize in January it’s not a good fit, there’s a one-time Open Enrollment Period from Jan 1–Mar 31 that allows you to make a switch.

Quick Recap

Medicare doesn’t cover dental, vision, or hearing
You can get coverage through a standalone or Advantage plan
Not all plans are equal, know what to look for
Medicare plans should be reviewed every year

�� You Made It to the Finish Line!

If you’ve followed along through all five days of the Medicare Bootcamp, congratulations! You’ve just taken a big step toward understanding your Medicare options and feeling more confident about the choices ahead.

Missed a day? You can go back and catch up anytime, especially Day 4 on Medicare Part D . And stay tuned, I'll be sharing even more helpful resources in the coming weeks.

�� Ready for your next step?

Grab your free Medicare Workbook below. It’s packed with simple, easy-to-follow guidance to help you stay organized and make smart decisions as you move forward.

New-to-Medicare Bootcamp: Day 4

Fri, 20 Jun 2025 12:33:24 GMT

What Is Part D, and Do You Really Need It?

Welcome to Day 4 of the "New to Medicare" Bootcamp!

If you’ve been following along, you know this Bootcamp is all about learning Medicare in the right order, to keep it streamlined without overwhelm (without spending hours Googling things you’re not even sure apply to you).

And you're joining us today for Day 4 of the Medicare Bootcamp but missed Day 3, don't stress, you can catch up anytime! We talked all about Medigap vs. Medicare Advantage (and it's a good one).

Head over here to read Day 3 .

Now, let’s talk about something that trips everyone up…

So… What Exactly Is Part D?

Part D is the part of Medicare that covers prescription drugs, the kind you pick up from your local pharmacy.

Even though it’s officially “Part D of Medicare,” you don’t sign up through the government.

It’s offered only through private insurance companies.

Despite the administration through private insurance, Medicare still keeps these plans in check and sets the rules they have to follow.

When (and How) to Sign Up

You won’t sign up for Part D at the same time you enroll in Part A and B. Instead, you’ll do it once you have your Medicare number but before your coverage starts. The same applies coming off a work plan and adding Part B later. You sign up in advance for Part D coverage to begin the day after your employer plan ends.

Now here’s the kicker:
If you’re not getting drug coverage through your employer, retiree plan, or the VA, and you skip signing up when you’re first eligible… you could get hit with a lifetime penalty .

Yep, lifetime.

Even if you don’t take any prescriptions right now, it’s still a good idea to enroll in the cheapest plan available in your area (some are as low as $0/month!) - just so you don’t end up paying more later.

Common Mistakes (That Are Totally Avoidable)

Here are two big ones I see all the time:

Picking the same company for your Medigap and drug plan just because it feels simpler. (Don’t do this without checking how your prescriptions are actually covered!)
Never reviewing your drug plan again after the first year. Plans change every year—and you could be overpaying big time if you don’t double-check things during open enrollment each fall.

How to Find the Right Plan for You

There’s no one-size-fits-all when it comes to Part D.

The “best” plan for someone else might be a terrible fit for your prescriptions.

Here’s what I recommend:

Start with a full list of your medications (correct name for the brand or generic, dosage, how often you take them)
Use the Plan Finder tool on Medicare.gov to compare plans based on your actual drugs and your favorite pharmacy
Or if you’re working with me, I can run it through my agent-only software that saves a ton of time and finds your top 3 plans instantly

�� Pro Tip: Even if you do your own search, you can still have me help with your plan enrollment as a free add-on service when I handle your Medigap or Advantage Plan, so you’ve got someone in your corner if issues pop up later.

Bonus Tips for Getting the Best Deal

Check GoodRx.com and CostPlusDrugs.com to compare cash prices for your meds (sometimes it’s cheaper to pay outside your plan!)
If one of your meds is outrageously priced in every Part D plan, take it out of your drug list and rerun the search (especially if you plan to get it covered a different way, such as through a Canadian Pharmacy). You might uncover better plan options.
Review your plan every fall. Drug prices, copays, and coverage can all change year to year.

If You’re Still Working…

You might not need a Part D plan right now if your employer coverage is considered “creditable.” That just means it’s as good or better than Medicare’s drug coverage. You can check with your HR department to confirm.

But once that coverage ends, you’ve got a short 63 day window to enroll in a Part D plan without a penalty.

don’t miss that deadline!

You’ve Got Options and Support

Choosing the right drug plan is one of the most overlooked (but super important) parts of getting onto Medicare. I help every one of my clients with this because it can make a huge difference in your overall costs.

So whether you’re leaning toward Medigap + standalone drug plan or going with a Medicare Advantage plan that includes drug coverage, I’ve got your back.

Want personal help or just want to make sure you’re doing it right?

�� You can request my free 2025 Medicare Workbook here:

That’s a wrap on Day 4!

You’ve got the basics of Medicare Part D down — what it covers, when you need it, and how to avoid those sneaky penalties.

Tomorrow, we’re jumping into a topic that surprises a lot of people: dental, vision, and hearing. Medicare doesn’t cover these the way you might think… but don’t worry, I’ll break it all down for you in Day 5.

�� Click here to head to Day 5 — we’re almost at the finish line!

New-to-Medicare Bootcamp: Day 3

Wed, 11 Jun 2025 18:31:32 GMT

Why There's Really Only Two Options on Medicare

Welcome to Day 3 of the "New to Medicare" Bootcamp!

If you’re feeling like Medicare is just one big pile of confusion, you’re not alone. The good news is, we’re making sense of it all, one step at a time.

Each Bootcamp post builds on the last, so if you happened to miss Day 2 (where we talked all about Medicare costs and how to avoid penalties) , I highly recommend giving it a read before diving in here.

�� Click here to catch up on Day 2

Let’s get into Day 3!

First, a Reality Check

When you first start researching Medicare, it feels like there are hundreds of plan options .

But here’s the truth:

You really only have two types of plans to choose from once you sign up for Medicare Parts A and B:

Medigap (also called Medicare Supplement plans)
Medicare Advantage (also called Part C)

Every ad, every piece of mail, and every telemarketing call you get is ultimately pushing one of these two plan types. That’s it.

So let’s break them down , side by side so you can get a clear picture.

Step 1: Get Original Medicare (Parts A & B)

Before you can enroll in either Medigap or Advantage, you need to be enrolled in both Parts A and B of Medicare.

You must keep paying your Part B premium (which is $185/month in 2025, unless you’re in a high-income bracket). That cost stays the same no matter which plan type you choose .

Step 2: Choose Between Medigap and Advantage

To make this easy, let’s compare the two plan types side by side.

Understanding the Risk

Medigap: You pay more monthly, but have fewer surprises. Your biggest out-of-pocket cost is typically the $257 Part B deductible (in 2025).
Advantage: You may pay as low as $0/month, but each service has a copay, and your risk can go up to the plan’s maximum out-of-pocket , which can be as high as $9,350/year (though most are lower).

It really comes down to this:

Want predictability, more provider freedom , and less hassle? You may prefer Medigap .
Want a lower monthly cost and don’t mind networks or paying copays as you go? You might lean toward Advantage .

One Big Warning (That No One Tells You)

If you start with an Advantage plan and later want to switch to Medigap, you may have to answer health questions and could be denied coverage, unless you’re still in your first year of Medicare and qualify for the “trial right.”

This is super important , and unfortunately, it’s not something you hear in most commercials or sales calls.

So if you’re even thinking you might want a Medigap plan in the long run, it’s usually best to start there while you still have guaranteed access.

Bonus Topic: Plan G vs. Plan N

If you’re leaning toward a Medigap plan, your next step will be choosing which one .

The two most popular options are:

Plan G

Covers everything except the $257 Part B deductible
Once you pay that, you’re done for the year (except for any drug plan copays)
Higher monthly premium, but no surprises

Plan N

You pay the same $257 deductible, plus :
Up to $20 for doctor visits
$50 for emergency room visits
Possibly an "excess charge" if your doctor doesn’t accept Medicare rates (rare and not allowed in a handful of states)

Plan N usually has a lower monthly premium than Plan G, so it’s a great option if you don’t mind a few small copays.

How to Decide What’s Right for You

Here are a few helpful questions to ask yourself:

Do I want the freedom to see any doctor without worrying about networks?
Am I okay with paying more monthly for less hassle later—or would I rather save each month and pay when I need care?
How important is it to have predictable costs ?
Would I feel okay potentially paying more in a high-use year if it means lower premiums?

Everyone is different.

There’s no one-size-fits-all answer - but when you understand the differences, it becomes much easier to make a choice that fits your needs and your peace of mind.

Get Your Free Workbook

If you haven’t grabbed it yet, my 2025 Decoding Medicare Workbook has a handy side-by-side chart that compares Medigap vs. Advantage and helps you weigh your priorities.

�� You can request it here:

What’s Next?

Now that you understand the two main plan types, you’re ready to move on to Part D drug coverage, what it covers, how it works, and how to avoid gaps or penalties.

�� Click here to read the next post: Understanding Medicare Part D

See you there!

Pam

New-to-Medicare Bootcamp: Day 2

Thu, 05 Jun 2025 12:36:44 GMT

Cost of Medicare, How to Sign Up & How to Avoid Penalties

Welcome back to the "New to Medicare" Bootcamp!

This is Day 2 of our five-day series where I walk you through everything you need to know about Medicare so you can stop feeling overwhelmed and start feeling in control.

If you missed Day 1, we talked all about when you should actually sign up for Medicare and how everyone’s timeline is a little different. You can catch that post right here .

Let’s Talk Money: What Will Medicare Actually Cost You?

One of the biggest concerns people have when they’re new to Medicare is:

“How much is this going to cost me?”

Some people come from paying next to nothing on a Marketplace plan, and others are paying over $1,000 a month for retiree coverage or COBRA and can’t wait to lower their costs.

Let’s break this down piece by piece so you know what to expect.

Part A and Part B: The Basics

Part A (Hospital Coverage):
Most people get this for free because they paid Medicare taxes while working.
Part B (Doctor Coverage):
In 2025, the base premium is $185/month .
But if you’re considered high income, you may pay more.

Social Security uses your income from two years ago to set your premium. That’s your Modified Adjusted Gross Income (MAGI) from your 2023 tax return.

Here’s a quick look at the income brackets for couples filing jointly :

These numbers go up a little most years, and I’ll always keep you updated in future posts or inside my Facebook group .

What About Drug Costs? (Part D)

Part D is your Medicare drug coverage.

How you get Part D depends on which type of plan you choose; Medigap or Medicare Advantage.

Here’s what to know:

Stand-alone drug plans usually cost $10–$40/month , though some can be as low as $0 or as high as $100+
Deductibles for Part D plans in 2025 can be as high as $590 , but many plans waive the deductible for lower tier drugs.
If you’re high income, you’ll pay an extra charge on top of your regular premium called IRMAA (Income Related Monthly Adjustment Amount). It starts at $13.70/month and goes up from there based on your income bracket

�� Good news: Starting in 2025, your total drug spending is capped at $2,000/year , and you’ll be able to spread out high costs over 12 months if needed .

Medicare Deductibles (And Why They’re Not As Scary As You Think)

Let’s talk about the “D-word”: deductibles.

If you’ve had a plan before with a $5,000 deductible, you might be bracing for the worst. But Medicare is different:

The Part B deductible in 2025 is just $257 per year
If you have a Medigap Plan G, that’s literally the only out-of-pocket cost you’ll have all year, for covered services
Drug plan deductibles are separate and vary by plan

Compared to many group or marketplace plans, this is refreshingly low.

How Much Do the Plans Themselves Cost?

Let’s talk about the two main types of plans you can choose in addition to Original Medicare :

1. Medigap (Supplement) Plans

Most comprehensive = Plan G
Cost: $90–$200+/month depending on your location, age, gender, etc.
Lower monthly cost = Plan N
Cost: $75–$150+/month
Budget-friendly option = High Deductible G
Cost: $30–$65/month

�� These plans don’t include drug coverage, so you’ll need a separate Part D plan.

2. Medicare Advantage Plans

Often $0/month premium (but not always)
Includes drug coverage
Pay copays as you go , such as $0-$50 for a doctor visit, $125 for ER, etc.
Benefits vary by ZIP code & rural areas usually have fewer options, while cities have more.

How to Sign Up (and Avoid Penalties)

A quick refresher:

Your initial Medicare window is 7 months: 3 months before your 65th birthday month, your birthday month, and 3 months after.
Best time to sign up : 3 months before your birthday month.
If you’re already collecting Social Security , Medicare will enroll you automatically.
If you’re not , go to ssa.gov and apply online.
If you’re still working, you may be able to delay, but only if you have insurance through current employment (not COBRA, retiree, or marketplace plans!)

⚠️ Penalty alert: If you delay and don’t have qualifying coverage, you’ll pay a 10% penalty for every year you didn’t sign up on Part B- for life.

Quick Tip: If You Have an HSA…

If you’re still working and contributing to an HSA , do not sign up for Part A , or you’ll lose the ability to contribute. This only applies to the person with the HSA, not their spouse.

Feeling Stuck?

You can absolutely do all of this research and enrollment on your own. But if you’d rather make things easier, skip the second-guessing, and get organized with a step-by-step guide.

I've got just the thing.

I created a free 2025 Medicare Roadmap Workbook that walks you through everything in the right order, including the costs we talked about today.

Ready to Take the Next Step?

Now that you’ve got a handle on Medicare costs, it’s time to explore your plan options.

�� Click here to read the next post

In that post, I’ll break down how each plan type works, what they cover, and what to consider when choosing between them, so you can move forward with clarity and confidence.

See you over there!

Pam

New-to-Medicare Bootcamp: Day 1

Wed, 28 May 2025 18:01:04 GMT

When Should You Start Medicare?

Welcome to the "New to Medicare" Bootcamp!

If you’re feeling overwhelmed by Medicare like it’s a whole new language, you’re in the right place.

This blog series is part of my New-to-Medicare Bootcamp, a step-by-step guide I created to help you finally make sense of Medicare without the stress, confusion, or late-night Googling. It’s designed especially for people who are brand new to Medicare, and trying to plan ahead the easiest way possible.

Each post walks you through key piece(s) of the Medicare puzzle, in the right order, so you can understand how it all works and make confident choices for your health coverage.

Today’s post (Day 1) is all about figuring out when you should actually sign up for Medicare. Spoiler alert: it’s not the same for everyone.

Let’s Clear Up the Confusion Around Turning 65

Turning 65 is a big milestone, but it doesn’t automatically mean you need to sign up for Medicare right away.

Here’s when you do need to sign up at 65:

You’re not working anymore (or your're not on your spouses work insurance).
Your employer has fewer than 20 employees.
You don’t have other current job-based insurance.

Here’s when you might be able to wait:

You (or your spouse) are still working and have health insurance through a current employer with 20+ employees (or your spouse's).

But here’s the kicker… it has to be active job-based insurance.

Other types of insurance such as COBRA , retiree insurance , or Marketplace plans (like Obamacare) don’t count . These won’t protect you from late penalties if you delay Medicare.

Why Your Medicare Timeline Is Personal

When it comes to Medicare, everyone’s situation is a little different.

That means your timeline might look totally different from your friend, neighbor, or spouse.

A few things that affect when you should enroll:

Are you still working?
Is your spouse still working and you are enrolled in their employer plan?
Are you already collecting Social Security?
How big is the company providing your health insurance?

All of these factor into when and how you sign up. If you get the timing wrong, you could end up with late penalties or gaps in coverage.

What About Social Security?

People often assume that if they’re already collecting Social Security, Medicare will just start automatically and that’s actually true!

If you’re already collecting Social Security before 65, your Medicare card will show up in the mail a few months before your birthday. You’re all set unless you want to delay Part B (more on that below).

If you’re not collecting Social Security yet, you have to actively enroll . Nothing will happen automatically.

You’ll go to ssa.gov and click “Sign Up for Medicare” on the homepage.

Easy peasy once you know what to do.

Two Real-Life Examples

Let’s walk through two scenarios to show how personal your timeline really is:

��‍�� Example 1: Jane, Turning 65 in September

She’s not collecting Social Security yet and doesn’t have job-based insurance.

Jane can apply for Medicare starting June 1 (3 months before her birthday month). Her coverage would start September 1 .

��‍❤️‍�� Example 2: Susan, Also Turning 65 in September

But Susan has health insurance through her husband’s employer.

She can choose to delay Medicare Part B, sign up for free Part A now, and then enroll in Part B when her husband retires. She’ll need to fill out a few forms to prove she had job-based coverage.

The Pitfalls You Really Need to Avoid

If you take anything away from today, make it this:

Not all insurance is created equal when it comes to delaying Medicare.

Here’s what doesn’t count as safe coverage if you’re trying to delay Medicare:

COBRA – It’s not considered active job-based insurance.
Retiree Insurance – Same issue. It’s not tied to current employment.
Marketplace Plans (ACA) – As soon as you’re eligible for Medicare, you lose the subsidy. If you keep it, you could be forced to pay it back or your plan could cancel.

Even if those plans seem “good enough,” Medicare sees it differently, and the penalty for getting it wrong can follow you for life .

Need Help Figuring Out Your Timeline?

That’s what I’m here for.

If you’re unsure when to sign up or what kind of coverage you can keep, I offer free one-on-one calls where we map out your personal Medicare timeline together. I’ll help you avoid the traps and get everything done in the right order.

And if you're the DIY type, I created a full Medicare Roadmap Workbook that walks you through this first step in more detail:

What’s Next: Day 2 Is Ready for You!

If you’ve got a better handle on your Medicare timeline now - yay! That’s a huge first step. ��

Ready to keep going?

�� Click here to dive into Day 2 of the Bootcamp

In that post, we’ll talk about what Medicare actually costs, (such as how much you’ll pay each month for Parts A and B), what drug plans run, and what to expect if you choose a Medigap or Advantage plan. We’ll also talk about the penalties you want to steer clear of (because yep, they’re real).

See you over there!

Medigap vs. Medicare Advantage

Tue, 22 Apr 2025 23:19:40 GMT

Medigap vs. Medicare Advantage: Which Path is Right for You?

One of the quickest ways to start making sense of Medicare is to understand the two very different paths available once you sign up for Original Medicare:

Medigap and Medicare Advantage.

If you're new to Medicare, it’s easy to feel like you’re drowning in options. There are Parts A, B, C, and D… Plan letters like G and N… TV commercials promising cash back or gift cards… but barely any of them actually explain what these plans really are.

Why Medigap and Medicare Advantage Are Complete Opposites

Let’s start with the basics.

Once you’ve signed up for Original Medicare (that’s Parts A and B), you’ll likely want extra coverage because Medicare doesn’t cover everything.

You have two choices for that additional coverage:

Medigap (also known as a Medicare Supplement plan)
Medicare Advantage (Part C)

These are polar opposites. You can’t have both. You pick one or the other.

Medigap : Keeping Original Medicare as Your Foundation

Medigap plans are sold by private insurance companies, but your primary insurance remains Original Medicare .

This means:

Medicare pays first.
Your Medigap plan kicks in to cover leftover costs (like the hospital deductible and Part B 20%).
You can go to any doctor nationwide who accepts Medicare.
There are no networks and no referrals needed.

Think of it as a “plug-in” plan that helps cover your out-of-pocket costs for you.

Great for those who want flexibility and predictability.

Medicare Advantage : A Private Replacement for Medicare

With a Medicare Advantage plan, you’re getting your Medicare benefits through a private insurance company , not the federal government.

This means:

Medicare pays the private plan a flat monthly rate to take over your coverage.
You follow the rules and networks of that private plan.
Benefits can change from year to year.
You may need referrals or prior authorizations for certain services.

It’s more like traditional health insurance you may have had through work.

Great for those looking for lower monthly premiums and bundled coverage (like dental, vision, and prescription drugs).

A Quick Comparison

Here’s how to think about it:

Cost and Risk: What to Know

Medigap plans offer more predictability.

You pay your monthly premium and a small deductible, and that’s often it. For example, with Plan G, your max out-of-pocket could be under $2,000 a year.

Medicare Advantage plans often come with more financial risk . You may have a $0 premium, but you could face out-of-pocket costs up to $9,350/year (or less, depending on the plan). Copays, coinsurance, and surprise bills are more common.

What No One Tells You

Here’s a big one:

If you start on an Advantage plan , you might not be able to switch to a Medigap plan later, especially if you develop health issues. That’s because Medigap plans often require you to answer health questions unless you're in a special enrollment window (like turning 65 or leaving employer coverage).

You may only get one “free shot” to get a Medigap plan without health questions. That’s a huge deal and not something most people find out until it’s too late.

What About Drug Coverage?

Medigap : You’ll need to buy a separate Part D drug plan.
Medicare Advantage : Most plans include drug coverage at no extra cost.

Can You Switch Between the Two?

Yes, but there are rules.

From Medigap to Advantage : Easy. You can do this during fall Open Enrollment (Oct 15–Dec 7).
From Advantage to Medigap : Harder. You need to apply for a Medigap plan and pass health underwriting in most states, unless you're within a guaranteed issue period.

There is a 12-month trial right if you joined an Advantage plan when you first enrolled in Medicare, but it only applies in specific situations.

So… Which One’s Better?

There’s no one-size-fits-all answer. It depends on:

Your budget
Your preferred doctors
Your travel needs
Your risk tolerance
And whether you value flexibility or simplicity

Some folks want to keep premiums low and are comfortable with higher out-of-pocket risk. Others want stability, freedom to choose doctors, and fewer surprises.

Want Help Making the Right Choice?

I offer 100% free help—no strings attached.

Whether you’re starting from scratch, stuck between plan options, or just want to run your decision by someone who gets it, I’m here for you. I’ll guide you through the process step by step and support you for the life of your plan.

You don’t have to do this alone.

REQUEST YOUR FREE 2025 MEDICARE WORKBOOK HERE:

Medicare's 7 Biggest Enrollment Pitfalls to Avoid

Tue, 22 Apr 2025 23:05:27 GMT

7 Medicare Pitfalls (and How to Avoid Them)

If you’ve ever found yourself thinking, “Why is Medicare so complicated?” You’re not alone. This whole process can feel like a full-time job just trying to figure out what to do and when to do it.

There’s a reason so many people feel stuck, overwhelmed, or even scared to make a wrong move. And it’s not because they’re not trying. It’s because Medicare is not a user-friendly system.

to make it worse, there are actual traps you can fall into if you don’t know the rules.

Here's 7 big pitfalls I’ve seen people run into. These aren’t about picking plans; they’re the behind-the-scenes Medicare rules that no one talks about until it’s too late. My goal is to help you avoid the stress, the penalties, and the hours of phone calls later down the road.

Pitfall #1: Not Having Proof of Creditable Drug Coverage

If you’re still working at 65, you might think, “I’ll just get Medicare Part A now (it’s free) and I’ll deal with the rest later.”

Here’s the catch: Once you get Part A, Medicare assumes you’re also ready for a drug plan (Part D). That’s your “initial eligibility” for drug coverage, even if you’re still on your work plan and don’t actually need a Part D plan yet.

So how do you avoid a late penalty down the line?

You’ll need to prove your employer coverage included “creditable” drug coverage, meaning it was as good as Medicare’s. If you don’t respond to that request (usually a letter from your new drug plan when you sign up), you’ll get stuck with a monthly penalty that never goes away.

Most people don’t even realize this until they notice their drug plan premium is way higher than expected and by then, it’s a mess to unravel.

Tip : If your employer sends you a letter that says your drug coverage is creditable, hang onto it . File it away, screenshot it, do whatever you need to do to keep it handy when you finally sign up for Part D.

Pitfall #2: Staying on a Marketplace Plan After Turning 65

This one breaks my heart because it happens a lot.

If you’re getting a good deal on a Marketplace plan, (maybe even free because of the subsidy), it’s super tempting to just stay on that plan when you turn 65 and skip Medicare for now.

But once you're eligible for Medicare, you’re no longer eligible for that subsidy . Even if your Marketplace plan doesn’t cancel you automatically, you’re still technically in the wrong system, and eventually, someone catches the mistake.

I've seen folks:

Get hit with a tax bill for all those months of subsidies they weren’t supposed to get.
Have their Marketplace plan canceled retroactively , meaning all the care they received has to be paid back out of pocket.
And on top of that, end up with a Medicare late enrollment penalty.

Bottom line : Marketplace plans and Medicare don’t mix. Once you’re Medicare-eligible, it’s time to make the switch, no matter how tempting it is to stay.

Pitfall #3: Enrolling in Part A While Still Contributing to an HSA

Here’s a lesser-known trap that catches a lot of people who are working past age 65.

Let’s say you’ve got a high-deductible health plan through work and you’re putting money into an HSA (Health Savings Account). If you decide to enroll in just Medicare Part A while still working, (because it’s free, right)? You’ve now crossed the line where you’re no longer allowed to contribute to that HSA.

And it gets even messier: Part A is retroactive up to 6 months if you enroll after age 65. So if you don’t time things right, you could be facing tax penalties for “illegal” HSA contributions you didn’t even know were illegal.

Tip : If you’re still working and want to keep contributing to your HSA, hold off on Part A . And when you do enroll in Medicare, stop contributing at least 6 months beforehand.

Pitfall #4: Signing Up for an Advantage Plan When A and B Start on Different Dates

This one’s so strange, but it happens more often than you’d think.

If your Part A and Part B didn’t start at the same time , and you’re trying to get onto a Medicare Advantage plan, it gets tricky. The plan has to start on the same day your Part B starts , or within a 2-month window of leaving your group plan.

Here’s a real-life story: I worked with someone I'll call Pat. Her group plan ended in October, but she didn’t start Part B until February. By the time she was ready to pick an Advantage plan, her window had closed. Pat would’ve had to wait until the fall Annual Enrollment Period, but she got lucky. Her zip code had a 5-star plan (not that common), and she was able to use that to enroll outside the window.

Lesson : Always double check your enrollment windows if your A and B start dates don’t match up. This one can sneak up on you.

Pitfall #5: Missing Your One-Time Medigap Open Enrollment Window

This one is big, especially for those who want the flexibility of a Medigap plan.

When your Part B starts , you get a six-month window to sign up for any Medigap plan, no health questions asked . After that, unless you live in a special state like New York, Connecticut, Massachusetts, or Vermont, you could be denied based on your health.

So here’s what I see a lot: people go with a Medicare Advantage plan first because it’s cheaper upfront. Then, a few years later, they want to switch to Medigap, but can’t.

Tip : Just be aware that you may not get a second chance at Medigap without answering health questions. If you’re leaning toward Medigap, it’s smart to lock it in from the start.

Pitfall #6: Trying to Cancel and Restart Part B Just to Change the Start Date

This is one of those situations where trying to fix a small mistake creates a much bigger problem.

Say you applied for Part B and didn’t realize it would start the next month. You think, “No problem, I’ll just cancel it and pick a new start date.”

Here’s why that’s risky: the time it takes to cancel and reapply can be longer than the window you’re trying to shift. Meanwhile, your whole Medicare timeline gets thrown off. You may not be able to enroll in supplemental coverage. You may not even be sure if you have coverage while you wait.

Tip : If you're applying for Part B after age 65, always write your preferred start date in the remarks section of the form. That’s the cleanest way to avoid this whole mess.

Pitfall #7: Medicare Still Lists Your Group Plan as Primary After You Retire

This one is showing up more and more lately.

If you’ve been on a group health plan and then retire, Medicare is supposed to take over as primary . But sometimes Medicare’s system still shows your old employer plan as the one that pays first, even though it doesn’t.

The result? Medicare denies your claims. Your supplement doesn't pay it's part. And you’re left with bills no one is paying.

Tip : Once your new coverage starts, log into your Medicare account and make sure your old group plan isn’t still listed. If it is, call the Benefits Coordination and Recovery Center at �� 1-855-798-2627 to get it corrected.

Ready to Talk?

If you’re getting ready to sign up for Medicare, or you’ve already started and just want to make sure everything’s on track, I’d love to help you.

Click the Contact page to see my calendar and book a free consultation.

We’ll chat for 30–60 minutes, and you’ll walk away with a clear plan with no pressure.

You deserve to feel in control of this process, and that’s exactly what I’ll help you do.

REQUEST YOUR FREE 2025 MEDICARE WORKBOOK HERE:

Could This Be the Middle Ground Between Plan G & Advantage?

Thu, 17 Apr 2025 15:00:33 GMT

Is High Deductible Plan G the “Middle Ground” Medicare Option You’ve Been Looking For?

When it comes to choosing a Medicare plan, there are two main paths you can take: Medigap (also called Medicare Supplement) or Medicare Advantage .

But then someone mentions High Deductible G, and now you’re wondering - wait, is this a third option?

The short answer is no. High Deductible Plan G is still a Medigap plan, but it can feel like a middle ground between the two main paths, which I'll explain below. If you're trying to balance freedom of choice, lower monthly premiums, with reasonable out of pocket copays , this plan might be exactly what you’ve been looking for.

First - What Is High Deductible G?

High Deductible G (HDG for short) is a version of the popular Medigap Plan G. It gives you the same overall features of Medigap that everyone loves:

You keep Original Medicare.
You can see any doctor that accepts Medicare , no referrals needed.
No prior authorization hoops to jump through.
Nationwide coverage (great for travelers and snowbirds).

But it works differently when it comes to cost-sharing .

What Makes It Different?

With HDG, instead of paying a higher monthly premium like with regular Plan G, you pay a lower premium and are responsible for more out-of-pocket costs up to a set limit .

That limit is your maximum out-of-pocket for the year, technically called a duductible, in this case. In 2025, that deductible is $2,870 .

Once you’ve paid $2,870 out-of-pocket for medical services (not counting your premium), the plan steps in and pays 100%, just like a regular Plan G would.

Let’s Talk About the D-Word: Deductible

The word “deductible” tends to freak people out. It brings to mind high-dollar bills and no help until you hit some huge number.

But this plan doesn’t work like that .

Original Medicare still pays 80% of your medical bills right from the start. You're not paying full price. You're only paying the 20% Medicare leaves behind - until you reach that $2,870 max.

You’re essentially paying copays , not full-price bills.

Here’s a quick breakdown of what that might look like:

$257 – The annual Medicare Part B deductible (you pay this first).
20% – Your share of costs for doctor visits, lab work, & outpatient procedures.
$1,676 – What you’d pay if you’re admitted to the hospital (covers up to 60 days).
$209.50/day – Copay for skilled nursing days 21–100.

All of those payments count toward your $2,870 cap for the year. After that, you're done, and your plan takes over.

How Does This Compare to Medicare Advantage?

Here’s where it gets interesting.

Many Advantage plans come with:

No upfront deductible.
Fixed copays (e.g., $0 - $50 for a doctor visit, $125 for the ER).
A network of doctors and specialists.
A maximum out-of-pocket of $6,000–$8,000 in many areas.

With High Deductible G , you:

Don’t have to stay in a network.
Don’t need referrals.
Have a lower max out-of-pocket ($2,870 in 2025).
Still get Original Medicare coverage.

So while you may pay a bit more upfront on HDG, the long-term protection can be better, especially if something big happens.

Monthly Costs: What’s the Catch?

Here’s where HDG really shines:

In many states, HDG plans are priced significantly lower than regular Plan G or Plan N.

Florida Example (Age 65 Female):

Plan G: $183–$211/month
High Deductible G: $46–$54/month

Virginia Example (Age 65 Female):

Plan G: $97–$140/month
High Deductible G: $33–$42/month

That’s a savings of $100+ per month in some areas, which can add up to over $1,200/year, money you could set aside in case you do hit that $2,870 cap.

Is It Right for You?

Here’s a quick summary of the pros and cons:

High Deductible G Pros:

Low monthly premium
Lower overall risk than many Advantage plans
No networks or referrals
Predictable max out-of-pocket
Freedom to see any Medicare provider

High Deductible G Cons:

You pay more upfront for services
ER visits may cost more than flat Advantage copays
Hospitalization cost could be $1,676 even if you’re only there one day
Requires separate drug plan (like all Medigap plans)

It comes down to your comfort level with upfront costs vs. monthly premiums and how much you value the freedom that Original Medicare gives you.

One Last Thing…

If you’re new to Medicare (or helping someone who is), I’m running a free 5-day Bootcamp from May 19–23, 2025 inside my Facebook group Navigating Medicare the Easy Way. Each day, I’ll post one short, actionable video to walk you through the process of getting onto Medicare and choosing the right plan for you.

If you want in, just join the group before May 19th. It’s free, updated for 2025, and perfect for anyone who wants to understand Medicare without all the fluff. Join here: Navigating Medicare the Easy Way

Need Help Deciding?

This is what I do every day, helping people just like you figure out which Medicare path makes sense. I guide you through your options, explain them in simple terms, and help you enroll, stress-free .

You can book a call with me directly on my Contact Page to see my availability and get on my calendar.

You’ll never feel rushed, pressured, or talked down to. Just honest, helpful advice to help you make the best choice for you.

REQUEST YOUR FREE 2025 MEDICARE WORKBOOK HERE:

How to get dental, vision, and hearing on Medicare

Tue, 15 Apr 2025 21:58:23 GMT

How to get dental, vision, and hearing on Medicare

What to Know About Dental, Vision, and Hearing Coverage on Medicare And

How to Decide If You Need It

If you’ve just started learning about Medicare, you’ve probably heard this little surprise already: Original Medicare doesn’t cover dental, vision, or hearing.

Yep, those important things like dental cleanings, glasses, and hearing aids aren’t part of your basic Medicare benefits. But that doesn’t mean you’re out of options.

I'll walk you through how you can get dental, vision, and hearing benefits while on Medicare, what the options cost, and whether it’s worth it for you.

First, Think About The Way You Approach "Risk"

Before you even start looking at plans, take a moment to think about how you handle health expenses in general.

Do you prefer to pay out of pocket and save the monthly premiums?
Do you like the peace of mind that insurance gives you, even if it costs a bit more?
Do you have a rainy day fund for things like dental work or hearing aids - or would a big bill stress you out?

Knowing how you feel about financial risk can really help when deciding if coverage is worth it or not.

Your Two Main Options

When you’re on Medicare, you’ve got two main ways to get coverage for dental, vision, and hearing:

1. Stand-alone Plans

These are private insurance plans you buy separately. You can get dental only, or bundle dental with vision and hearing. They’re not tied to Medicare , which means you can sign up anytime of year.

2. Medicare Advantage Plans

These are all-in-one plans offered by private insurance companies. They include your Medicare Parts A and B, prescription coverage, and often throw in extra benefits like dental, vision, and hearing. But the extras can vary a lot between plans.

So What Do These Plans Actually Cost?

Here’s a quick price range to help you know what to expect:

Standalone dental plans with vision and hearing bundled in usually start around $50/month .
Vision-only plans, like VSP, run around $22/month .
Medicare Advantage plans often advertise $0 monthly premiums , but some charge $20–$100/month depending on where you live and what extras they include.

And don’t forget, you’ll also be paying copays or coinsurance when you use the plan. So don’t judge a plan by premium alone.

What to Look for in a Dental Plan

When comparing standalone dental (and bundled) plans, there are five key things to check:

Waiting Periods – Most plans make you wait 6–12 months before covering major services like crowns or root canals.
Deductibles – Many plans require you to pay a set amount before coverage kicks in.
Preventive Coverage – Some plans pay 100% for preventive cleanings and exams, (but some, only a portion).
Major Services – Most plans cover about 50% for crowns or dentures, but some go as high as 80%.
Annual Benefit Limits – Most plans cap what they’ll pay out in a year. It could be $1,000, $2,500, or more. Some even offer unlimited coverage.

My Top Standalone Plans Right Now

I’ve done a lot of research to find options that give my clients the most bang for their buck. Here are three standout plans I currently offer:

1. Manhattan Life – Best for Higher Vision Coverage, and Adequate for Dental.

Covers dental, vision, and hearing in one policy
$100 annual deductible
Preventive starts at 60% and increases over time
Major services covered up to 80% by year two
Annual benefit up to $5,000
Works with any provider , but best with Carrington network
Around $50/month or more

Downside: No 100% preventive, and the deductible can feel steep upfront - but it’s one deductible for all three areas.

2. Physicians Mutual – Most Popular for Dental Only

Unlimited annual benefits (yes, really)
No deductible
Preventive care covered at 100% in-network
Major dental covered at 70%
Vision and hearing available as an add-on , but limited
Network is Ameritas
Around $56.50/month

Tip: Pair this with a separate VSP vision plan if you want full vision benefits.

3. MetLife (NCD) – Most Affordable Monthly with Reasonable Copays

$35/month with a $2,500 annual max
No deductible and no waiting periods
Uses MetLife’s large network
Predictable copay-based pricing
Great for people who want low costs and already see a MetLife dentist

Some Budget-Friendly Alternatives

These aren’t plans I offer, but they’re good options to consider if your dentist is in the right network:

AARP Delta Dental HMO – Low-cost, good benefits, but limited to a small network.
DentalPlans.com – Offers discount plans with no waiting periods and reduced prices at the dentist. Runs about $130/year .

What About Medicare Advantage Plans?

Yes, many Advantage plans include dental, vision, and hearing but here's the catch:

Dental benefits are often limited to $1,000–$1,500 per year
Vision may offer $200–$300/year for glasses
Hearing often includes one exam and a set amount per ear for hearing aids
Dental networks are usually small

So unless you were already planning to go with an Advantage plan, it’s not a good idea to choose one just for the dental benefits.

Instead, start by figuring out whether Medigap or Advantage is the best fit for your overall health coverage. Then, based on that, decide if you need to add dental, vision, or hearing coverage separately.

So… Is It Worth It?

That depends on you, your health needs, your financial situation, and your preferences.

Here’s how to start making a decision:

Ask your dentist what insurance networks they accept
Think about whether you’d rather pay a little each month or risk a big bill all at once
If you already have an Advantage plan, check if your dental/vision/hearing benefits are enough or consider adding a standalone plan
If you’re on Medigap, you’ll need a separate plan or pay out of pocket

If you’re unsure, I can help you figure it out. I’ll check which plans your dentist accepts and walk you through your options at no cost to you.

Let's Simplify This Together

If dental, vision, or hearing is something you need help with, I’m here. Whether you’re brand new to Medicare or have been on it for years, we’ll figure out the coverage that makes the most sense for you.

Visit my contact page to check my calendar and book a free consultation.

We'll make sure your plan fits your life, not the other way around.

REQUEST YOUR FREE 2025 MEDICARE WORKBOOK HERE:

How to Make Plan Changes Outside of Open Enrollment

Tue, 15 Apr 2025 21:40:24 GMT

How to Make Plan Changes Outside of Open Enrollment

Feeling Stuck in Your Medicare Plan? You Might Have More Options Than You Think.

Have you ever felt like you're locked into your Medicare plan? You've wondered if there’s a way out but assumed it’s too late because we’re not in the middle of the fall open enrollment? You’re not alone.

But here’s the truth: For a lot of people, there are options to make a switch.

There's a special enrollment period you may not have heard of: The Medicare Advantage Open Enrollment Period . Let’s talk about what that means, and what other opportunities there might be for you to switch plans any time of the year. Even outside the fall Open Enrollment (AEP).

What Is the Medicare Advantage Open Enrollment Period?

This period runs from January 1st through March 31st and is only for those who already have a Medicare Advantage Plan . During this time, you’re allowed to:

Switch to a different Medicare Advantage plan.
Or drop your Advantage plan and return to Original Medicare (possibly adding a Medigap plan).

This window is more like a safety net , not a free-for-all like the fall enrollment season, which is why you don’t see a ton of ads about it.

This period can be helpful if:

A provider you need is suddenly out of network.
Your prescription drug is no longer covered.
Benefits like dental or vision were dropped, and you didn’t realize it.

If any of that sounds like you, there’s still time to make a change before March 31 . But if you’re considering switching to a Medigap plan, you’ll want to start the process earlier (preferably by the second week of March) to allow time for the underwriting approval.

Want a Medigap Plan Instead?

Medigap plans work with Original Medicare and give you more freedom. you don’t have to stick to a doctor network or get referrals to see specialists.

A lot of of people like the simplicity.

The most common reason people switch their Medigap plan to a different Medigap plan mid year:

To save money. Rates go up over time, and it’s worth checking to see if there’s a better deal out there.

Here’s the important part:
Medigap plans aren’t tied to the fall open enrollment. You can apply any time of year.

After your first 6 months on Medicare, you usually have to go through medical underwriting, which means answering health questions to get approved. But don’t let that scare you off! A lot of people do qualify, even with some health issues. It just depends on the situation.

Before we ever apply, I help you review those questions first. If we need to, I’ll even call the insurance company directly and ask about how they handle certain health conditions, so you know exactly what to expect.

Some States Make It Even Easier to Switch Medigap Plans

Depending on where you live, you may have extra flexibility:

Always Open Enrollment (no health questions): NY, VT, CT, MA
Year-Round Switching : WA & ME (if you already have a Medigap plan)
Birthday Rule States (switch around your birthday): OR, CA, NV, ID, IL, OK, KY, LA, MD
Anniversary Rule : MO (same idea, just based on your plan anniversary)

What If You Have a Medicare Advantage Plan?

There are still a few ways you might be able to switch during the year, even outside the current January–March window:

1. The 5-Star Rule

If your ZIP code has a 5-star Medicare Advantage plan (based on Medicare's quality ratings), you can switch to it once per year at any time.

2. Chronic Special Needs Plans (C-SNPs)

These are special plans for people with certain chronic conditions (like diabetes, COPD, or heart disease). If there’s one in your area and it matches your condition, you can join anytime.

3. Dual Eligible (Medicare + Medicaid)

You can switch your plan every single month.

4. Extra Help with Drug Costs

Same thing, you can make monthly changes to your Advantage Plan or drug plan if you qualify for Extra Help.

Moved Recently?

If you moved (or will be moving) out of your Medicare Advantage Plan’s service area, you qualify for a special enrollment to pick a new one or even to go back to Original Medicare and get a Medigap plan without health questions.

That’s a big opportunity, especially if you’ve had trouble qualifying for Medigap before.

But if you already have a Medigap plan and move, you can’t switch companies just because you moved. You’d still need to qualify with health questions (unless you’re in one of the special states mentioned above).

What If None of These Apply to You?

If you don’t qualify for any special enrollment right now, your next opportunity will be the Fall Open Enrollment , which runs from October 15 to December 7 . Any changes you make at that time will take effect January 1 .

This is your time to:

Switch from one Advantage Plan to another.
Drop your Advantage Plan and go back to Original Medicare.
Change your standalone drug plan.

But just a heads-up: this fall period won’t help you switch Medigap plans, you can do that anytime, but you’ll likely have to go through health underwriting.

And if you’re trying an Advantage Plan for the first time and it doesn’t work out? You may qualify for a trial right that lets you switch back to Medigap within 12 months. I’ll help you figure that out too.

Let’s Make Medicare Feel Easier On You

If all this feels a little overwhelming, you’re not alone and that’s exactly why I do what I do. I help make sense of it all, in plain language, and walk you through the process step by step. My help is always 100% free, and I work with many companies so we can find the plan that actually fits you, not what the agent wants you to buy.

Whether you’re brand new to Medicare or just want to make sure your current coverage still makes sense, I’m here to help take the stress out of the process.

Ready to see what your options are? Book your free consultation today.

REQUEST YOUR FREE 2025 MEDICARE WORKBOOK HERE:

How to Avoid Unexpected Bills on Medicare

Thu, 03 Apr 2025 17:29:42 GMT

How to Avoid Unexpected Medical Bills on Medicare

A DOWN-TO-EARTH GUIDE TO PROTECTING YOUR WALLET AND GETTING THE CARE YOU NEED WITHOUT BILLING SURPRISES.

Whether you’re brand new to Medicare or have been on it for a while, this one thing’s for sure: You can’t afford to let your guard down when it comes to medical bills.

I know it can feel confusing, and also tedious to check into these things. But being your own advocate is more important than ever, especially as more doctors join large corporate medical groups. This makes it harder to get a real person on the phone when a billing issue pops up.

All the points I'm about to make will apply to you whether you're on Original Medicare with a Medigap plan, or a Medicare Advantage plan.

First - Know Your Plan Type

It's important to know what kind of plan you have, because it affects who pays first and whether you have to meet a deductible.

Medigap + Original Medicare: Medicare is your primary payor. Medicare pays first, then your Medigap plan kicks in to cover some or all of the rest. You'll have to meed the $257 Part B deductible each calendar year.

Medicare Advantage: The private insurance company pays all your claims. They set the rules for what’s covered.

This difference plays a huge role in how your bills are processed, and where things can go wrong.

Step 1: Double-Check What Medicare Sees

Go to Medicare.gov and create your account (if you haven’t already). You want to make sure the correct secondary insurance is listed.

One of the most common billing issues: Medicare could have old group plan still listed as your secondary insurance even though you’ve already moved onto a Medigap or Advantage plan.

This little mistake can major problems because it will appear as if your medical bills aren't being covered. If you notice a problem with the wrong "secondary" insurance listed, contact the Benefits Coordination & Recovery Center (BCRC) at 1-855-798-2627.

Step 2: Understand Preventive Visits and Deductibles

If you have Original Medicare and a Medigap plan , there’s an upfront Part B deductible of $257 (in 2025). Here’s where people get tripped up:

Let’s say you go in for your Annual Wellness Visit . You expect it to be free. But your doctor recommends lab work or screenings not covered under that “free” visit.

On Original Medicare (plus a Plan G, for instance), these extra tests might not be free unless your deductible is already met. That’s a common reason people get a bill they didn’t expect.

Tip: Ask your doctor’s office up front if everything they’re recommending is covered by Medicare under preventive care or if there could be an out-of-pocket cost.

On the other hand, Medicare Advantage plans usually offer $0 copays for primary care visits and often don’t have an upfront medical deductible. But on rare occasions some do , especially for things like CT scans, MRIs, surgeries, injections, or infusions. Check your summary of benefits to be sure!

Check your Summary of Benefits or Evidence of Coverage booklet to see exactly what’s covered for ANY service, in advance, and so you know what to expect. Also, for any service you can ask your doctor's billing staff to give you estimated costs up front.

Step 3: Know What a Deductible Actually Is

A lot of people confuse deductibles with copays , but they’re not the same.

Your deductible is the amount you pay out of pocket before your insurance kicks in.

So if you haven’t met your deductible yet, several early-in-the-year appointments close together can lead to several bills. You may not know if they are accurate, until checking which went toward the deductible. Here’s the kicker: the bills don’t always come in order of your appointments. That's why confusing to figure out which bills have actually been applied toward your deductible.

Tip: Wait before paying your bills. Let claims process through Medicare first, and use your Medicare.gov account to track what’s been applied toward your deductible.

Step 4: Always Ask for Costs Up Front

If you remember nothing else, remember this:

The #1 way to protect yourself from surprise bills is to ask for all costs up front in writing before getting a test, service, or procedure.

Doctors’ offices are required to inform you if something isn’t covered by Medicare. But you may have to be pro-active about this to find out for sure. (Don't forget, you have to be your own advocate)! Even though they should be informing you what's covered by Medicare and what isn't, you can't rely on them to do it, so you must make sure you find out in advance.

This is especially important if:

The doctor might not be in-network for your Advantage Plan
You need pre-authorization for a procedure
You’re on Plan N (which may allow up to 15% in excess charges if the doctor doesn’t accept assignment)

Step 5: Be Skeptical of Every Medical Bill

If a bill shows up in your mailbox, don’t assume it’s right.

Get into the mindset that bills are more likely to be wrong than right. I know that sounds cynical, but it's better than overpaying by mistake.

Before paying, find out:

Was the claim submitted yet?
Has Medicare or your plan processed the bill?
Is the amount correct?
Could the procedure have been coded incorrectly?

Coding mistakes happen all the time. A preventive colonoscopy might get billed as diagnostic. The “Welcome to Medicare” visit might be coded wrong. These small errors can cause bills to be sent that are in error.

Tip: If you're my client, I’ll help you troubleshoot billing issues like these. Don’t pay a bill until you know it’s accurate.

Step 6: Avoid Drug Cost Surprises

Drug costs through your Part D can be unexpectedly high when you go to pick them up at the pharmacy.

Maybe your prescription was written for a capsule instead of a tablet. Maybe the pharmacy isn’t preferred. Maybe a prior authorization is missing. Don't just assume the cost they quote you is your ONLY option and you must pay it.

Tip: Call the pharmacy before picking up your medication to get the price. That gives you time to catch mistakes and make adjustments.

Some helpful tools and options:

GoodRx or other discount coupons.
CostPlusDrugs.com or Canadian pharmacies.
Monthly payment plan for expensive drugs (available through your drug plan).

Let’s Recap

Here's a "to do" list to stay ahead of billing mistakes:

Make sure your secondary insurance is listed correctly on Medicare.gov (mainly for those "new-to-medicare").
Know your deductible and how your plan type works.
Understand what’s actually covered under preventive visits.
Always ask for cost estimates in advance.
Be skeptical of every bill and verify its accuracy.
Double-check drug prices before heading to the pharmacy.

These simple steps can go a long way to prevent billing issues.

Want Support Along the Way?

If you want someone in your corner, I’m here to help. I’m Pam Turner, and I help Medicare eligibles confidently choose and manage their coverage without pressure, and at no cost to you.

You can use me as your broker when you’re first signing up for Medicare for the first time. Or, if you're already enrolled, I can help you switch to a lower Medigap rate (if you qualify) or explore changes to your Advantage Plan especially during certain windows like Open Enrollment or the one-time Advantage Plan switch (ending March 31).

Let’s make sure your plan fits your needs and your budget.

Reach out here if you’d like to explore your options.

REQUEST YOUR FREE 2025 MEDICARE WORKBOOK HERE:

Understanding Medicare - What to Know Before Signing Up

Mon, 24 Feb 2025 20:59:12 GMT

Here's the three things you absolutely need to know before you enroll in Medicare:

Do you understand YOUR personal timeline?
Why you need to go on an "information diet" (and what that means).
The only two plan types you need to know to make a decision.

This is going to pinpoint exactly what you need to do and when, so you can stay focused and avoid costly mistakes.

(*If the video won't play, watch directly on YouTube HERE )

Think About It Like Car Shopping…

If you’ve ever gone car shopping, you know how overwhelming it can be. The endless choices, the pushy sales tactics, and the fine print can leave you exhausted.

And that’s why you have to be prepared before car shopping. You need to know what you can afford, what financing looks like, and what to expect, so you don’t get taken advantage of.

Medicare works the same way.

You wouldn’t just walk into a dealership without doing any research. So why would you sign up for Medicare without first understanding how it actually works?

Step #1: Understanding YOUR Medicare Timeline

The first thing you need to figure out is when to sign up for Medicare. Your timeline depends on a few key factors:

Turning 65 soon? You can sign up starting three months before your 65th birthday month. If you’re already collecting Social Security, you’ll be automatically enrolled.
Still working past 65? You might be able to delay Medicare, but only if your employer coverage qualifies.
Is your employer small (fewer than 20 employees)? If so, you must sign up for Medicare at 65, because Medicare becomes your primary insurance. If you don’t enroll, you could end up responsible for 80% of your medical bills!
Have an HSA (Health Savings Account)? If you plan to keep working past 65 and want to keep contributing to an HSA, you need to hold off on signing up for Medicare Part A. Medicare will retroactively backdate your coverage by six months when you enroll, which could cause tax penalties if you’ve been contributing to an HSA during that time.

Your Medicare timeline is critical to get right. Missing deadlines or misunderstanding the rules can cost you big time, in weird pitfalls like the ones mentioned above.

That’s why I created my 2025 Medicare Workbook , which walks you through the exact steps you need to take.

Request your Free 2025 Medicare Workbook by clicking the button at the bottom of this post.

Step #2: Go on an “Information Diet”

Quick question: Do you know the parts of Medicare?

If you’re like most people, the answer is: "kind of?" Maybe you’ve heard of Part A and Part B, but what about Part C and D? And then there are all those lettered Medigap plans.

It’s a lot.

And the problem is, Medicare information is everywhere. Mailers, commercials, phone calls - and most of it comes out of order, making it nearly impossible to make sense of it all.

That’s why I tell my clients to go on an information diet .

That means stop trying to learn everything at once. More information isn’t always better. You just need the right information, in the right order.

Here’s the simple breakdown:

Part A = Hospital coverage (room & board for inpatient stays).
Part B = Doctor visits, outpatient care, ER visits, and surgeries.
Part D = Prescription drug coverage (you must buy this from a private insurer).

Part A & B together make up Original Medicare —and these two parts form the foundation of your coverage.

Part C is Medicare Advantage, an optional plan which gets a mention in Step #3.

Once you understand these basics, then you can move on to learning about your two Medicare coverage choices:

Step #3: Learn the Two Plan Types

Here’s the most helpful thing you might learn today: There are only TWO paths you can take with Medicare.

Most people are shocked when they hear this because they’ve been drowning in information and assumed there were dozens of choices. But the truth is, everything boils down to two paths:

Path #1: Original Medicare plus a Medigap (Supplement) Plan

You pay a monthly premium for a Medigap plan.
You can see any doctor that accepts Medicare, nationwide.
You’ll have little to no out-of-pocket costs when you get medical care.
You’ll need to buy a separate Part D prescription plan.

Path #2: Choose a Medicare Advantage Plan (Part C)

Many plans have a $0 extra monthly cost.
You’ll have copays and out-of-pocket costs when you get care.
You’ll need to use a network of doctors and hospitals.
Your prescription drug coverage is usually included in the plan.

These two paths are complete opposites.

Medigap = More monthly cost, but fewer out-of-pocket expenses when you need care.
Advantage = Lower (or $0) monthly cost, but you pay as you go with copays and network restrictions.

Neither option is right or wrong. It just depends on your needs and preferences.

For example, if you travel often, Medigap gives you more flexibility. But if you prefer a lower monthly cost and don’t mind network restrictions, Advantage might be a better fit.

The key is understanding the trade-offs so you can confidently choose what’s best for you.

Feeling Stuck? Let's Simplify This Togethe r.

The #1 reason people get overwhelmed with Medicare is information overload . And it's not your fault.

That's why I created my free 2025 Medicare Workbook which includes:

A step-by-step Medicare timeline guide.
A breakdown of Medigap VS Advantage Plans.
A place to take notes so you can stay organized.

decoding-medicare

Medigap VS Advantage: The Ultimate Guide

Learn the Two Paths That Simplify Everything

Start Here: Original Medicare Comes First

The Big Difference: These Plans Are Opposites

Medigap: Keeps Medicare as Your Primary Coverage

Medicare Advantage: Replaces How Medicare Is Administered

Let’s Talk About Cost (Because This Is Where It Gets Misleading)

Medigap

Medicare Advantage

Predictability vs. Change

Medigap

Medicare Advantage

Restrictions and Flexibility

Medigap

Medicare Advantage

Prescription Drug Coverage

﻿

Switching Plans Later: What You Need to Know

How Do You Decide?

The Bottom Line

Medigap vs. Medicare Advantage : Side-by-Side Comparison

Need Help Comparing Your Options?

The Exact Medicare Plan I Chose for My Husband (And Why It Might Surprise You)

The Decision Behind My Husband’s Medicare Plan

First: Understanding the Two Paths on Medicare

1. Original Medicare + Medigap

2. Medicare Advantage

Why We Chose the Medigap Path

Plan G vs. High Deductible Plan G

Regular Plan G

High Deductible Plan G

My Thought Process

1. Freedom of Providers

2. Risk Tolerance

3. Long-Term Premium Increases

4. Health Status

The Bonus Feature That Sealed the Deal

Common Misunderstandings About High Deductible G

There Is No “Best” Plan

A Few Important Enrollment Reminders

Final Thought

Do this to Prep for the Medicare Open Enrollment

Do You Need to Make a Medicare Change?

#1 Know Who Open Enrollment Is For (& Who Can Skip It )

#2 What’s That Letter in the Mail? Find Your Plan's "ANOC"

#3 See the Signs: It Might Be Time to Switch

When Do Changes Take Effect? ﻿

You Don’t Have to Do This Alone

New-to-Medicare Bootcamp: Day 5

What Medicare Doesn’t Cover (And What You Can Do About It)

Welcome to Day 5 of the "New to Medicare" Bootcamp!

What Medicare Doesn’t Cover

Your Options for Dental, Vision & Hearing Coverage

1. Standalone Plans

2. Medicare Advantage Plans

5 Things to Look for in a Plan

Plans I Recommend Most Often

How to Keep Your Medicare Plan on Track

�� Part D and Advantage Plans Change Every Year

�� Medigap Premiums Go Up

�� There’s a Bonus Window in Jan–Mar

Quick Recap

�� You Made It to the Finish Line!

�� Ready for your next step?

New-to-Medicare Bootcamp: Day 4

What Is Part D, and Do You Really Need It?

Welcome to Day 4 of the "New to Medicare" Bootcamp!

So… What Exactly Is Part D?

It’s offered only through private insurance companies.

When (and How) to Sign Up

Yep, lifetime.

Common Mistakes (That Are Totally Avoidable)

Here are two big ones I see all the time:

﻿

How to Find the Right Plan for You

There’s no one-size-fits-all when it comes to Part D.

Bonus Tips for Getting the Best Deal

If You’re Still Working…

don’t miss that deadline!

When Do Changes Take Effect?