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Original Medicare shares the cost of medical care with enrollees through deductibles, copayments, and coinsurance payments. With this cost-sharing structure, many people may worry about whether their coverage might run out — specifically, if their benefits are subject to a lifetime limit. In reality, the concept of a lifetime limit…
Most Original Medicare beneficiaries are responsible for some out-of-pocket costs, such as deductibles, premiums, copays, and coinsurance. But the cost that often worries or frustrates enrollees the most is the Part B excess charge. Excess charges can run up to 15% of Medicare-approved amounts and catch beneficiaries off guard if…
Serious illnesses affect more than just your health, and oftentimes, day-to-day tasks feel overwhelming. Making breakfast depletes your energy. Pain disrupts your sleep. Multiple doctor appointments fill your calendar. While your medical treatments target the illness itself, you need support managing these daily challenges. Medicare benefits for serious illness recognize…
While Centers for Medicare and Medicaid (CMS) have not officially released changes to Medicare premiums and deductibles for 2026, the projected numbers from the Medicare Trustees Report are below. We will update this post when final numbers are confirmed likely in November 2025. Medicare Part B Premiums and IRMAA for…
If you are one of the millions of beneficiaries with a Medicare Supplement (Medigap) plan, we understand you may be concerned about how a government shutdown could impact your coverage. The good news is that your essential healthcare coverage and monthly benefits are highly secure. For the vast majority of…
Significant changes to Medicare Part D are on the horizon, building on the foundation set by the Inflation Reduction Act. The Centers for Medicare & Medicaid Services (CMS) has outlined several key adjustments that will impact prescription drug costs for millions of beneficiaries. Understanding these 2026 Medicare Part D changes…
Many Medicare beneficiaries work with a broker to navigate Medicare more easily. While most brokers are honest and make selecting a plan easier, some, however, commit Medicare fraud by scamming unwitting enrollees. Medicare scams often ramp up during the Open Enrollment Period, from October 15 to December 7, as this…
The U.S. Department of Health and Human Services announced 15 additional drugs for the Medicare Drug Price Negotiation Program. This is part of a consistent effort to lower prescription drug costs for millions of Americans. Read on to learn how this could impact you. What is the Medicare Drug Price…
Medicare provides adults over 65 and people with certain disabilities with affordable hospital and medical health insurance. While Medicare covers a fair amount, it doesn’t cover everything. Medicare Supplement Insurance — also known as Medigap — covers the extra out-of-pocket costs so you can get the healthcare you need. For…
Telehealth has existed in one form or another since the early 20th century. It’s shifted over time, from electronic medical record transfers and video consultations in the 1940s and 50s, to electronically transmitting X-rays in the 1970s. When the pandemic struck in 2020, telehealth usage skyrocketed and helped countless people…
