2025 Medicare Prescription Drug Changes

Medicare Prescription Drug coverage is improving in 2025!  You either have part D drug plan coverage on a standalone policy or built into your Medicare Advantage plan with RX. In either case, beneficial changes will take place effective January 1st, 2025.  You will...

Medicare Advantage Open Enrollment Period MA-OEP

Every year Medicare eligible individuals have certain times of the year to make changes to their plans.  One such time is the Medicare Advantage Open Enrollment Period, (MA-OEP.) This annual period is from January 1st through March 31st.  During this time those who...

Working Past Age 65 and Medicare

The past few years there has been a trend of many Americans working past age 65.  So, what do they do about their health insurance?  At age 65, a worker can apply for Medicare that will start the 1st of the month that they turn 65.  But what if their employer offers...

Great News for Small Business Owners

Entrepreneurs and other business owners often lack the kind of insurance coverage that many “traditional” employees take for granted. Many people, when thinking about launching a start-up, will think first about how to account for this missing work-provided benefit –...

Could Short Term Medical Insurance Be Right For You?

You may have heard of Short Term Medical Insurance (STM) and wondered how it relates to Affordable Care Act (ACA) plans. First off, short-term plans do not cover the 10 Essential Health Benefits (EHB) that is required of ACA plans. They do not exempt you from paying...

2018: The Year The PPO Died!

It is really sad that a very popular healthcare network known as a Preferred Provider Organization (PPO) is on its way to extinction in the individual off-marketplace market. The off-marketplace is where people who make too much money to get ACA subsides, usually buy...

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