General Medicare Articles

Articles, guides and FAQs on Original Medicare and Medicare process topics

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A male doctor shows a questionnaire to an older male patient. These series of questions are an important part of a Medicare annual wellness visit.

Medicare Annual Wellness Visit: What to Expect

September 4, 2025

Most adults with access to healthcare are familiar with the yearly physical: the annual appointment where your doctor reviews your medical and family history and performs physical exams — taking your measurements, checking your reflexes, collecting samples for testing — to assess your body’s health. However, when you enroll in Medicare, you are entitled to…

Mockup of Social Security card and Medicare card side by side on a table

Social Security and Medicare: Your Complete Enrollment Timing Guide

August 28, 2025

Social Security and Medicare aren’t a package deal. You pick when to start Social Security — anywhere from 62 to 70. Medicare has its own timeline at age 65. Sign up for these programs at the wrong times, and you could face coverage gaps or higher premiums. Getting the timing right keeps your healthcare costs…

Understanding your Annual Notice of Change (ANOC)

Understanding your Medicare Annual Notice of Change (ANOC)

August 6, 2025

As a Medicare beneficiary with a Medicare Part D Prescription Drug Plan, you’ll soon receive a critical document in your mail: the Annual Notice of Change (ANOC). Sent by your Medicare Part D plan provider each September, this ANOC letter details specific changes to your prescription drug coverage and costs that will take effect on…

Paper desk calendar with thumbtacks, a red thumbtack indicating birthday in which the birthday rule applies

Medigap Birthday Rule in these 10 States: What It Is and How to Use It

April 10, 2025

For those with Medigap (Medicare Supplement) plans, you may be wondering what your options are for switching carriers or coverage over time as your healthcare needs change. Unlike Part D and Medicare Advantage that have an Annual Enrollment Period (Oct. 15-Dec. 7), Medigap beneficiaries can make changes to their plans at any time of year…

Understanding Medicare: 20 Medicare Terms to Know

Understanding Medicare: 62 Medicare Terms to Know

February 11, 2025

Medicare is confusing! Every now and then, it’s good to revisit the basics so you stay informed about your health care insurance. This Medicare glossary includes the most common Medicare terms that you should know as you research Medicare 1. Ancillary Services A supplemental or supportive healthcare service provided in addition to primary care, including:…

Is Medicare State Specific?

Is Medicare State Specific?

February 11, 2025

If you’re new to the world of Medicare, you probably have a lot of questions. It’s easy to feel overwhelmed by your options. United Medicare Advisors is here to give you the answers you need to inform your Medicare decisions. One question we get a lot concerns our client’s location: “Is Medicare state specific?” The…

When was Medicare established

When was Medicare established?

February 11, 2025

The law that led to Medicare and Medicaid was signed by President Lyndon B. Johnson on July 30, 1965. At that time, the program included Part A (Hospital Insurance) and Part B (Medical Insurance). This is now known as “Original Medicare” or “Traditional Medicare”, and approximately 44 million people are part of the program today.…

Medicare Part A + Part B

What determines the Medicare Part B Premium?

February 11, 2025

Medicare Part A and Part B provide the exact same benefits for all Medicare beneficiaries throughout the country no matter their age or location. Why is it, then, that premiums for that coverage can vary greatly? High-Income Levels Mean Higher Premiums Higher premium rates apply to individuals who have incomes above $106,000 and couples above…

Sick woman taking medicine from prescription bottle. Prescription drugs are covered under Medicare Part D, that's why it's important to know your medications in choosing a Medicare Part D plan.

How to Search for and Choose a Medicare Part D Plan

December 4, 2024

When it comes to Medicare, Part D — prescription drug coverage — can be one of the most important but most confusing pieces of the puzzle. With tons of plans, varying costs, and differing coverage, it can be overwhelming to understand your options, let alone know which will work for your needs.  That’s where this…

2025 Medicare Changes to Part B and Part D Premiums, Part A Deductibles, and IRMAA

December 2, 2024

The Centers for Medicare and Medicaid (CMS) has released the changes to Medicare premiums, deductibles, and income adjustments for 2025. Medicare Part B Premiums and IRMAA for 2025 Medicare Part B is essential for medical coverage, and its standard monthly premium in 2025 is $185.00, a little over ten dollars more than the standard premium…