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It's Official! 2025 Part B will be $185/month. Part B Deductible $257.

IRMAA (Income Related Monthly Adjustment Amounts) are below.

Service members who leave active duty may qualify for health care coverage through either the Department of Veterans Affairs (VA) or TRICARE, depending on how they separated from the military. When Veterans turn 65, their options are based on if they’re VA or TRICARE for Life.

For most people who...

Each fall, the Medicare Annual Election Period runs from October 15 to December 7 and offers beneficiaries the chance to make changes to their Medicare Advantage or Part D plans. When you make changes during the Annual Election Period, your new plan becomes effective on January 1st of the new...

Your Drug Plan or Medicare Advantage Plan with Drug Coverage is Changing in 2025.

In September, you will receive your Annual Notice of Change (ANOC.) Even if you’re happy with your current plan and usually automatically renew, this is not the year to do that! All standalone Part D...

Why You Need a Cancer Policy with Medicare

A lump-sum cancer policy pays cash benefits to you, the policyholder, if you are diagnosed with cancer. You can choose how you wish to spend the money! For example, one client bought a $10K lumpsum policy for a very affordable premium. Just...

Many people are surprised to learn that Medicare does not pay for anything related to keeping your teeth healthy. It does not cover oral exams, teeth cleanings, extractions, fillings, dentures, root canals, or dental implants. Sometimes people assume root canals or dental implants will be covered since these procedures require...

Demystifying Required Minimum Distributions (RMDs

As individuals plan for retirement, they often focus on saving and investing, aiming to build a nest egg that will sustain them through their later years. However, there comes a point when those savings must be tapped into, and understanding the rules surrounding Required Minimum...

How to Save Money on Prescriptions Part 2

Last month was a review of how the Medicare Drug programs are set up, and who should apply for Extra Help. Even if you don’t qualify for financial assistance, here are some practical strategies to help you save money on prescription medications.

Most Medicare drug plans (Medicare drug plans and Medicare Advantage Plans with prescription drug coverage) have their own list of what drugs are covered, called a formulary. Plans include both brand-name prescription drugs and generic drug coverage. The formulary includes at least 2 drugs in the most prescribed categories and classes. This helps make sure that people...

Here is the original article I submitted to ENOA's New Horizons for March 2024.  Some changes were made to the article; please disregard that article and use this information instead.

I noticed that Social Security is moving significantly slower than usual for my clients that are enrolling in Medicare. Don’t wait...