October 1st is only 10 days away (as of this writing) and it is time to decide whether to stay

The Inflation Reduction Act of 2022 (IRA) was well intended, but as many things in Washington DC, many believe intentions

NEW SSA.gov Online Account Security Changes: How to Set it Up In 7 Simple Steps   Unfortunately, we live in

It’s 2025 and the new Part-D prescription plan is live. The Inflation Reduction Act of 2022 has had a major

Identity Theft Data Breach Affects 1.2 million Beneficiaries; You May Be One of Them According to CMS (Centers for Medicare

Well, 2025 is only 45 days away (at the time of this writing on November 17th) and with it changes

Prescription drugs are the most used benefit in Medicare. You don’t see a doctor every day or month, but you

Why the attempted assassination of President Trump matters and what we must know. We live in the freest country on

If you work with a financial planner, you have a special relationship. Afterall, he or she is trying to help

The number of Americans turning 65 daily is mind-blowing! Over 10,000 Baby Boomers a day are becoming eligible for Medicare

When I was young, my dad taught me a great lesson that I shared with my children and anyone I

Read the Fifth Article: Medicare Advantage Part 1 In the last article, we discussed Medicare Advantage plans. This is a

Read the Fourth Article: Medicare Supplements Okay…we’ve waded through Original Medicare Parts A and B, prescription drug plans – Part

Read the Third Article: Part D We arrive at Part 4 of the “Understanding Medicare…” series. Medicare Supplements (MediGap) used

Read the Second Article: Part B Many people pay more attention to all the medical benefits, ancillary benefits (dental, vision

In the last article, we discussed how Part A works and the costs involved in having Original Medicare’s hospital plan.

I do many Medicare 101 and Veterans and Medicare seminars, and I see two typical reactions from participants: a) the

Medicare’s Limited Income Newly Eligible Transition (LI NET) program is designed to provide temporary prescription drug coverage for low-income beneficiaries

According to the Tampa Bay Times, millions of Floridians will soon be left out in the cold when it comes

Economic signs are worse than anticipated. While some argue the recession is coming, signs show it has already arrived. Meanwhile,

Inflation is affecting everyone and everything, and the Veterans Administration is no exception. So, if you go to the VA

As we age, certain relationships grow in priority. Two in particular are your financial advisor and your insurance agent. Your

Veterans deserve the gratitude of the nation. It’s easy to become complacent and take their sacrifices for granted. If you’re

There is a financial storm brewing with all the winds (fuel, food, inflation, war, housing, etc.) coming together perfectly to

Growing old is no fun. Just when you have it all figured out, you can’t do half the stuff you

We live in a world where customer service has become a thing of the past. Unfortunately, soft skills (how we

Veterans are a special breed. Fewer than 1% serve at any given time. While all sacrifice some, some sacrificed all.

Recently, I received two notifications from two clients, regarding scams. The first was to either get money from the beneficiary

As we enter the final month of the Open Enrollment Period (OEP), it seems that unscrupulous agents are feeling desperate

As we age, one thing we can count on is a hospital stay is not a matter of if, but

Every aspect of your Medicare Advantage plan is important, but your Part-D is paramount (in my humble opinion). Why? With

Medicare Advantage plans are the most popular way to receive Medicare benefits. The reasons are many: generous benefits, no deductibles

College is expensive. According to The Huffington Post, a college degree has increased 12-fold (1,200%) since 1990, far outpacing inflation

The American dream is to prosper and provide a better life for our families and children than we had. That

As of this writing, the 2021 AEP Season (annual election period) has been over for 8 days. Many are celebrating

The phones have been ringing off the hook for 53 days (probably longer) and your mailbox is full of Medicare

I can’t count how many times I’ve spoken with a person needing help with Medicare, who were leery because they

The speculating is over! We now know what Medicare increases will affect our healthcare cost for 2022, and it’s not

It seems most people today only hear about Medicare Advantage. Few know about MediGap or supplements. Why? Medicare Advantage has

Twice a year, Medicare recipients (and those turning 65 in six or fewer months) are bombarded with phone calls, emails,

As my mom’s caregiver for the last three years of her life, I remember when I first enrolled her into

If ever there was a Medicare Holiday Season, it is the Annual Election Period (AEP). This is when you should

Becoming a Medicare Advantage agent and a veteran’s specialist has taught me quite a bit about how Medicare works and

TRICARE For Life is wonderful health insurance that’s for more than just for retired military personnel. It covers the gamut

Many of you have been seeing commercials offering Part-B premium reduction or elimination. There are two ways you can get

Medicare Advantage is slowly but surely becoming the most popular way to receive one’s Medicare benefits. After all, what’s not

This series is finally coming to an end. However, the feedback I’ve received from all of you has been fantastic,

Disabled and elderly people are easy prey for those who would take advantage of them. Moreover, many assume just because

As I mentioned previously, it takes a special kind of person to sacrificially give of their time and energy to

Caring for a person in need can be exhausting and frustrating. Having to make decisions for another person’s health is

CMS (the Centers for Medicare and Medicaid Services) has been working on what they call, “Value-Based Insurance Design” or VBID.

Retirement is exciting! You’ve worked 40+ years and now you have the time to do all the things you said,

Many Americans, whether veterans or civilians, suffer disabilities. Often these disabilities not only make life difficult physically, emotionally and mentally,

Modern medicine has become almost something of science fiction. The cures we enjoy today for major and critical illness were

Turning 65 can be strenuous, because you must make choices you are not familiar with. The health insurance provided by

In last week’s newsletter, we covered the first five reasons a veteran with VA healthcare needs Medicare as well. (Read

The American veteran is a special breed. Fewer than 1% of citizens take up the mantle to stand a post

As we retire, there are two things we all want: to save money and be healthy to spend it. However,

Medicare is changing constantly. What was once true about Medicare yesteryear, may no longer apply today. Which is why everyone

It used to be we only had to worry about identity theft. If you’ve never been through it, pray you

Medicare is a wonderful benefit. While Medicare is the federal retirement benefit with the most value, there are still many

If you’re not new to Medicare, these changes are especially important to know, as they may affect your budget and

Imagine this. You are married and you and your spouse each live on Social Security. One spouse receives $1,200 per

Understanding your insurance is crucial. It’s amazing to me how many people accept that they have insurance and feel protected,

How time flies. One minute you were playing football with your friends or entering beauty pageants. Then you were a