What is IRMAA?

Medicare IRMAA

The IRMAA monthly charge is an extra premium charged to higher income earners for their Medicare Part B (outpatient) and Part D (prescription drug) coverage.

Medicare Explained – What is Medicare?

Table of Contents Add a header to begin generating the table of contents Scroll to Top Medicare explained!  Medicare Made Clear! Medicare simplified! Understanding Medicare!  Medicare explained simply.  No matter how we word it, understanding Medicare is not always as easy as it looks.   It’s not just Medicare Part A and Medicare Part B (Original […]

Medicare Supplement Plan G

What is Medicare Supplement Plan G?  A Medicare supplement plan is an insurance policy designed to work with your Original Medicare.  It pays the deductibles and copays that are the patients’ responsibility when you have Medicare Part A and Part B. For example, after a small deductible, Medicare Part B pays 80% of your outpatient […]

How to Sign Up For Medicare and When

How to sign up for Medicare - 2023 changes

How Do I Sign Up for Medicare? Are you just getting started in researching Medicare and you need to know to apply for Medicare, when you can apply for Medicare or even how to delay your Medicare enrollment?  This blog post covers that and includes changes in enrollment made during the pandemic as well as […]

What Does Medicare Not Cover?

What does medicare not cover

Medicare was never intended to be stand-alone medical insurance. It is designed to be the primary foundation of a health insurance program from which the consumer can build upon and construct the full insurance coverage desired. You should be aware of what Medicare does not cover so that you can fill in those gaps to construct a more robust insurance program for your needs.

IBM Retiree – Group Advantage Plan Pros & Cons

IBM Retiree Plan

IBM Group Medicare Advantage 2023 Pros & Cons If you are an IBM retiree you have probably already received a notice about their changing retiree plans to a United Healthcare Group Advantage Plan. A number of our clients are IBM retirees who chose to work with us in years past and have asked my opinion […]

How Old Do You Have To Be To Get Medicare?


Medicare is a U. S. government-funded health insurance program specifically for people 65 and older as well as those under 65 who have received Social Security disability income for 24-months. What is Original Medicare? Original Medicare consists of two parts, Part A is inpatient and hospital insurance. Part B is outpatient and physician services. Together, […]

What is Medigap Insurance?


You may have heard of Medigap insurance but aren’t quite sure what it is. This type of insurance is also known as Medicare Supplement insurance. In this article, we will answer the questions of what Medigap is in addition to providing more information about this type of supplemental insurance. For Further Research For even more […]

How Much Does Medicare Cost?


As most people are obligated to pay Medicare premiums, it is valuable to educate yourself on the topic. Especially if you’re close to turning 65 or you’re about to retire, you may have some questions regarding how much you will have to pay with every coverage part. Since it might be a little challenging to […]

Medicare Explained – Secrets of Who & Why

https://youtu.be/w6JTWY6HFHU Medicare Explained, the Secrets of Who and Why Medicare explained, Medicare made easy, Medicare made clear, no matter how we word it in the title of all these videos that you’re watching, understanding Medicare is not always easy. I know.  I have helped over 10,000 people with their Medicare in just the past five years.  […]

Does Medicare Cover Shingles Vaccines?

Medicare Vaccines

Yes, Medicare does cover shingles vaccines. Effective January 01, 2023 the shingles vaccine, Shingrix, is available for free to all Medicare beneficiaries.   The Shingrix vaccine is covered under your Medicare Part D prescription drug plan.  The newly passed Inflation Protection Act has changed what an insurance company can charge for the vaccine as of January […]

Is Medicare Plan G Better Than Plan F?


The federal Medicare program for people aged 65 and older was signed into law on July 30th, 1965. Since then, there have been many revisions. The federal Medicare program was made available to those who are under 65 and permanently disabled in 1972. Medicare supplement plans were added in 1992 but were very different than […]

How to Sign Up for Part D Medicare?


Signing up for Part D Medicare can be challenging. First, you need to ensure you can even enroll for it. Secondly, you can only sign up for it during specific enrollment periods. And lastly, with so many Medicare D options available, how do you know which one is right for you? Long story short, there […]

How To Compare Medicare Part D Plans?

How to Compare Medicare Part D Plans

Before choosing a Medicare prescription drug plan, it pays to be an informed consumer. Reviewing plans that offer prescription drug coverage blind can make the process frustrating and unclear and may result in you not getting the best prescription drug plan for your needs. To some extent, the factors that influence your decision when choosing […]

Do You Have to Enroll in Medicare Every Year?


Generally, you do not need to renew Medicare coverage each year if you are happy with your coverage and your premiums. Once you sign up for Medicare, you will only be at risk of losing the Part B portion if you fail to pay your premiums. For Parts C and D, which are usually supplied […]

Cancer, Heart Attack and Stroke Insurance

Cancer, heart attack, and stroke are critical illnesses that can have a devastating impact on your health. In addition to causing great physical discomfort, these conditions can be life-threatening and often require expensive treatment plans. The Centers for Disease Control and Prevention reports that one in four adults in the United States has at least […]

Medicare Supplement Plans Comparison Chart

Medicare Supplement Plans Comparison Chart

Below is a plan comparison chart of the benefits provided by the standardized Medicare supplement insurance plans. This table is for all states except Massachusetts, Minnesota, and Wisconsin, whose policies are structured similarly but different. Medicare supplement benefits in those three states are also standardized. You can read more on the Medigap benefits offered in […]

What Are Medicare Part B Excess Charges?

What Are Medicare Part B Excess Charges?

A Medicare Part B excess charge is when a physician charges the patient more than the Medicare approved amount for an outpatient service.  Only medicare providers with a non-participating contract with Medicare are allowed to charge an excess charge, and they are limited to no more than 15% of the Medicare approved amount. How Common […]

What Is Medicare Part D?

What Is Medicare Part D?

Medicare Part D is that part of Medicare that provides insurance coverage for most Medicare prescription drugs. In general, Medicare prescription drug coverage can be divided into three categories; inpatient prescriptions, Medicare Part B medications and Part D prescription drug plans. This article explores each in order to help you best understand Part D.

Medicare Supplements for Disabled People Under 65

Everyone knows the importance of having health insurance coverage, especially in the United States. Without it, a medical event can result in huge medical bills that you’ll have pay out-of-pocket. This can be many thousands of dollars. In fact, medical costs are the number one cause of bankruptcies in the United States.   In short, having […]

Do I Really Need Supplemental Insurance With Medicare?

Supplemental Insurance With Medicare

As advantageous as the Federal Medicare program is, it only covers a part of your health care costs. When enrolled in the Medicare Part A and Part B plan, you will still be required to pay several out-of-pocket costs, such as deductibles, coinsurance, or copayments for medical services. To help reduce costs associated with Original […]

How To Change Medicare Plans?

How to change medicare plans

If you are on a Medicare Advantage plan or Part D prescription drug plan and want to change your plan, you can do so during the annual enrollment period. This is the time when you can sign up for a new plan or make changes to your existing coverage. You can also switch from original […]

Grants to Go Back to School – For Adults Over 50

Scolarships for adults over 50

As people age, they often find that their responsibilities change. They may have retired from their longtime career or become empty nesters as their children have gone off to college. For many adults over 50, this can be a time of transition and self-reflection. For those looking to return to school, there are now more […]

Medicare Agent Near Me

Medicare Agent Near Me

I have been helping people with their retirement and Medicare decisions since 1984. In that time, I have spoken with countless seniors of all ages, both new to medicare and those who have had Medicare in some form or another for years. I have witnessed or been privy to just about every Medicare horror story you can imagine. All of the stories are heartbreaking, and many were totally preventable.

Differences Between Medicare Advantage and Medigap

Medicare Explained -Secrets of Who and Why

There is a lot of confusion regarding Medicare Advantage and Medigap.  A Medicare supplement plan (aka Medigap plan) builds on your Original Medicare, paying most of the deductibles and copay so that virtually all your Medicare inpatient and outpatient expenses are paid for.   A Medicare Advantage Plan (aka Medicare Part C) replaces your Original […]

How Medicare Works with Tricare for Life

Youtube video thumbnail

I believe you cannot improve on your healthcare by messing with your TriCare. If you replace your original Medicare with an Advantage plan you are actually reducing your insurance coverage and increasing your financial risk

Does Medicare Cover Dental?

Dental Insurance Plans

Does Medicare Cover Dental? Video & Blog One of the most common questions we receive is, Does Medicare cover dental procedures or eye exams? The short answer is that Medicare does not cover most dental care.  This includes cleanings, fillings, dentures, extractions and so on. It also does not cover eye exams for eyeglasses or […]

Medigap Benefits

Medicare supplement benefit table 2022

This chart shows basic information about the different benefits that Medigap policies cover. If a percentage appears, the Medigap plan covers that percentage of the benefit. The remaining percentage is your obligation. Benefits Medicare Supplement Insurance (Medigap) Plans A B C D F* G* K L M N Part A coinsurance and hospital costs (up […]

Best Medicare Supplement Plan

Which is the best Medicare supplement plan? This article is for those people researching Medicare and who want to know which is the best Medicare supplement plan.  Or, more accurately, which Medicare supplement plan may be right for you. There are a number of videos and articles with headlines like this one; what is the […]

Medicare Supplement Plans Explained

Medicare Supplement Plans Explained

Table of Contents Add a header to begin generating the table of contents Scroll to Top  In this article I will cover the pros and cons of Medicare supplement Plans. The intent of Medicare Supplement Plans Explained is to help you understand how Medicare supplement plans work with your Medicare. In addition we will […]

High Deductible Medicare Supplement Plans

Medigap Plan G HD | Medigap Plan F-HD

Medicare Supplement Plan G High Deductible There is a lot of confusion around the high deductible Medicare supplement plans. There is confusion about how they pay benefits, as well as their value.  In this article I am going to show a very easy way to view the benefits of high deductible Medicare supplement plans and […]

Best Medicare supplement insurance company

Medicare Insurance Companies

Medicare Insurance Companies – Best Medicare Supplement Plans So, you have found the right Medicare supplement plan, but which insurance company should you go with? How do you research Medicare supplement insurance companies? Which is the best Medicare supplement insurance company in your area?Of all the decisions that must be made when starting Medicare, choosing […]

Medicare high deductible plan G and Plan F Updates

Medicare Supplement High Deductible

Table of Contents Add a header to begin generating the table of contents Scroll to Top   My company has help thousands of consumers with their Medicare supplement high deductible plans.  This includes both Medicare high deductible Plan G and the High Deductible Plan F. There are events unfolding that will have a significant impact […]

Medicare Maximum Out Of Pocket

Medicare Supplement maximum out-of-pocket

We are often asked, does Medicare have a maximum out of pocket limit?  In conversations with those who contact  us as well as other agents who are relatively new to Medicare I have found a tremendous amount of confusion.  In this article I will be covering the subject of maximum out-of-pocket limits for Original Medicare […]

Medicare NY Medicare CT

If you are a resident of either New York or Connecticut and are researching your Medicare options, this video is for you. Medicare in New York and Medicare in Connecticut (Medicare NY Medicare CT) are different than the rest of the country. Or, more specifically, residents of New York and Connecticut have state laws that give […]

Medicare Part D Explained 2023

Medicare Part D Explained

I understand how confusing Medicare can be.  I help people with their Medicare decisions every day. My mission and my agency’s mission is to help you make an informed decision about your Medicare choices. That is why in this video I will go over the Medicare Part D prescription drug program. This is the prescription […]

Medicare Advantage Plans Explained

Table of Contents Add a header to begin generating the table of contents Scroll to Top This article will help you understand Medicare Advantage Plans.  Our intent is to focus on the Pros and Cons of Medicare Advantage Plans so you can make an informed decision. Medicare Advantage Plans Explained is written to help you […]

Medicare Advocate Services

Medicare Advocate

Medigap Seminars offers Medicare Advocate services to all our Medicare supplement and Medicare Advantage Plan clients, at no cost. How would you like to know that no matter what problems or issue arise with your Medicare claims, billing and appeals, you have a highly trained Personal Medicare Advocate you can call on for help? Help […]

Do I need a Medicare Insurance Agent?

Table of Contents Add a header to begin generating the table of contents Scroll to Top With approximately 10,000 people turning 65 every day in the United States, there is a lot of interest in Medicare. Every day people are searching the internet or opening the 150 page Medicare & You handbook to learn about […]

Medicare Mistakes

There are many types of Medicare mistakes consumers should to avoid.  This article focuses on mistakes people make when researching Medicare supplement Insurance companies.    If you are researching Medicare supplement plans and are trying to figure out which insurance company might be best, this article and video is for you Mistakes People Make When Choosing […]

Do I Need An Insurance Agent For Medicare?

With approximately 10,000 people turning 65 every day in the United States, there is a lot of interest in Medicare. Every day people are searching the internet or opening the 150 page Medicare & You handbook to learn about the rules, the features, the benefits and the choices they have when it comes to Medicare. […]

Moving With Medicare

Are you planning on moving to a different state and want to know how it will impact your Medicare?  We have answers for you in this video about moving with Medicare. Moving with Medicare So you have Medicare and you are planning to move to a new state.  How is your move going to impact […]

Medicare Supplement Plan N – Big News

In this brief video I have some big news on current events and their impact on Medicare supplement Plan N. If you have a Medicare supplement Plan N or are currently researching Medicare supplement plans, this information will be important to you.  So, stay tuned. For those who have watched any of my 40 plus […]

Independent Medicare Insurance Agent

When researching their options, many people search for an “independent Medicare insurance broker near me”.  This article and video detail the advantages of using an independent Medicare insurance agent vs. the classic captured agent. How is an independent Medicare insurance agent or broker different from a regular insurance agent and why is this important to […]

Medigap Plan N is Often The Best Value

Medigap Plan N is often the best value Medicare supplement and one of the most overlooked plans available. This is especially true if you live in one of the MOM states (States with laws called the Medicare Override Measure) where Medicare Part B excess charges are restricted or forbidden. This includes Pennsylvania, Connecticut,  New York, Ohio, Rhode […]

Medicare Supplement Plan – Benefits & Hidden Risks

  Medicare Supplement Plans – Benefits & Hidden Risks If you are researching Medicare and you want to know about Medicare supplement and their role in your healthcare, this video is for you. In this video I will explain Medicare Supplement Plans Benefits & Hidden Risks. Even if you have already looked at different Medicare supplement […]

Avoid Surprise Medicare Bills – Understand the ABN Form

This video covers the five things you need to know if you want to learn how to avoid surprise Medicare bills. The video includes tips on how to manage your Medicare Wellness visits and preventive care lab tests. We also cover the ABN Form (Advanced Beneficiary Notice) and why all people on Original Medicare must understand this form and […]

Medicare Part D Penalty – What You Need to Know

Should you enroll in a Medicare Part D prescription drug plan even if you are healthy and take no medication? This Medicare Part D penalty video details the two important points you should consider when you are contemplating not enrolling in Medicare Part D. The true cost and risk to you and your family is much more […]

Medicare for Snowbirds and RVers

Medicare Lady

    Click here: for a Free Quote Comparison of the Medicare Supplements available to you. In this video, we go over all you need to know about Medicare for Snowbirds & RVers and for people who expect to move to a different state soon after enrolling in Medicare.  Whether you are new to Medicare or have been […]

Florida Medicare Supplement | Best Medicare Plans

  This video and article detail some of the information you need to know about your Medicare choices once you have become Medicare Eligible. It’s especially focused on issues pertaining to Florida residents but does apply to most other states. This will help you find the best Medicare plans available to you.   Read the article here:   The […]

Medicare Advantage Examples

This is a political advertisement, but the fact it points out is that in order to pay for Obama Care, the Federal Government has targeted cuts in Medicare Advantage plans. This video is a news story about a lady that was denied coverage under Medicare Advantage. Medicare Advantage plans can also terminate your doctor for […]

What You Need To Know To Find Best Medigap Plan

    Whether you are new to Medicare and want to be sure you make the right choices from the start, or you have been with Medicare for years and simply want to be certain that you are getting the best coverage and value for your money, this video about What You Need To Know To Find […]

Overpriced Medicare Supplements

Watch our other education videos on Medicare here: All About Medicare We Shop, You Save! The statistics are startling; two out of every three of Medicare Supplement policyholders are overpaying for their supplement policy by between $400 and $1,100 per year.  Medicare Supplement plans are standardized by Medicare so that they offer the exact same benefits […]

Equitable Medicare Supplement Plans (Another One Bites the Dust)

Another Medicare supplement company has announced it is exiting the Medicare Market.  Equitable National announced this week that as of June 30, 2020 they will no longer offer Equitable Medicare supplement plans. That’s it.  All done.  What does that mean for you if you own one of the Equitable Medicare supplement plans? Equitable Medicare Supplement […]

Loyal Christian Benefit Association Withdrawal of Medicare Supplement Business

Loyal Christian Benefit Association Withdrawal of Medicare Supplement Business There are several reasons why people shopping for a Medicare supplement policy should stay away from small companies and companies new to the Medicare market.  Many companies new to Medicare fail.  This is especially true with Medicare Advantage plans, but also happens with insurance organizations who […]

How to Research a Medicare Supplement Plan Insurance Company

Medicare supplement plan n review

If you are trying to research a Medicare supplement insurance company, to find out which insurance company to use, this article is for you. When it comes to insurance companies, the internet is filled with information that is both inaccurate and often not relevant to your Medicare supplement. I am often asked what criteria I […]

IG Report on Medicare Advantage Denial of Service

This is a second blog post on what I believe to be THE most important issue for people on Medicare.  Whether you are new to Medicare or have has Medicare for years this is important information if you ever decide to consider a Medicare Advantage plan. So, how can we build on that post?  Linked below […]

Costly Medicare Mistakes

Medicare Mistakes

I have been helping people with their retirement and Medicare decisions since 1984. In that time, I have spoken with countless seniors of all ages, both new to medicare and those who have had Medicare in some form or another for years. I have witnessed or been privy to just about every Medicare horror story you can imagine. All of the stories are heartbreaking, and many were totally preventable.

The Best Medicare Plans for Florida Residents.

Every state is unique in how Medicare Supplement plans are priced and the quality of Medicare Advantage plans that are available. In this article we will discuss which Medicare plans you should consider of you are researching the best Medicare Supplement Plans for Florida residents. Watch Our Video of This Article Here When it comes […]

How to Choose A Medicare Plan-Part 1

Rather than present this How to Choose A Medicare Plan guide in one large article, this will be a two-part series. This, the first article, will review how you should approach learning about Medicare and a process to follow in making your choices. We will also review Original Medicare and Medicare Supplement policies. In part […]

Medicare and the Cost of Cancer Treatment

This article is for both the person facing cancer today, wanting to know what to expect from their Medicare insurance as well as for the person turning 65 and weighing the pros and cons of staying with Original Medicare or moving to Medicare Advantage. Medicare and the cost of cancer treatment is written to help […]

Medicare for Florida Snowbirds

……tips and information on Medicare for seniors that spend part of the year in Florida; our Florida Snowbirds There are literally millions of Florida Snowbirds; people who come from all over the U.S. to spend the winter months in comfort of a warm Florida winter. At last count, there are nearly 1.5 million Snowbirds that […]

Medicare Part B Explained

What is Medicare Part B? In general, your Medicare insurance is divided into three parts; Part A, Part B and Part D. The simplest descriptions of Medicare refer to Part A as inpatient hospital coverage and Medicare Part B as outpatient coverage. While technically correct, the details are where many Medicare beneficiaries get caught misunderstanding […]

Medicare Part A – Inpatient Coverage

With over 70% of seniors in the United States participating, original Medicare remains the top healthcare program in the country. Because seniors can choose any doctor that takes Medicare without having to consider networks or referrals, Original Medicare offers seniors more freedom of choice than any alternative Advantage program. In addition, because virtually every medically […]

Medicare Supplement Plan N Review

Researching Medicare supplement Plan N

Medicare Supplement Plan N Review Medicare supplement Plan N is one of ten Medicare supplement plans standardized by the federal government. Medicare supplement plans are also referred to as Medigap Plans. Medicare supplement plans are offered by private insurance companies and provide additional coverage to Medicare beneficiaries by paying the deductibles and copays left as […]