Getting Prescription Drug Coverage

Getting Prescription Drug Coverage

If you have Medicare, prescription drug coverage is an optional benefit. But be aware – if you don’t get a Medicare drug plan when you’re first eligible, you may have to pay a late enrollment penalty to join later on. Part D drug coverage is only available...
Gaps of Medicare

Gaps of Medicare

One of the most eye-opening facts about Medicare is how much it DOES NOT cover. Need dental services? Eye exams or eyeglasses? Hearing aids and fitting? Routine foot care? None of these items are covered by traditional Medicare Part A and Part B.  Additionally,...
What does the Annual Election Period (AEP) Mean?

What does the Annual Election Period (AEP) Mean?

By Gary Smith If you have Medicare, it is important to know about your options during the Annual Election Period, or AEP as we like to call it here at our agency! The Annual Election Period happens annually at the end of the year. This year the dates are October 15 to...
Retiring and How to get Medicare

Retiring and How to get Medicare

Retiring and How to get Medicare Sept 30, 2019 By Gary Smith Like everything else in the Medicare maze, when you retire and the options you have are quite confusing. First let me assure you will not pay a penalty or be delayed in your Medicare enrollment just because...
Should I sign up for Medicare?

Should I sign up for Medicare?

By Gary Smith The Medicare maze is very confusing especially if you plan to work past age 65. If this applies to you, listen up. If you work past age 65, and want to delay your Medicare, you must meet the following TWO-part rule. This rule also applies to your spouse....
How to Sign Up for Medicare 2019

How to Sign Up for Medicare 2019

By Gary Smith This is the first confusing issue seniors encounter when it comes to the “maze of Medicare.”  Of course, common sense would tell you to call Medicare to sign up for Medicare, right? Well, that would get you a big, “NO, wrong answer!” Thank you for...