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Case Studies Part D Prescription Drug

New York State EPIC and Mary – a case study

“… a huge thanks for cluing us in to the EPIC ..program.” “…we now estimate yearly savings to be $7,000+/-”  “…we’d never heard of this program until one of your newsletter emails..” When Mary became eligible for Medicare I helped her enroll in the Medicare Supplement Plan G she selected as secondary to Original Medicare. […]

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Medicare A & B

Enrolling in Medicare Part B and the Coronavirus Crisis

If receiving your Social Security retirement benefits before age 65, you will be automatically enrolled in Medicare Parts A and B. The coverage usually begins the month of your 65th birthday and the Part B Medicare premium is withheld from your Social Security benefit payment. Many individuals working past age 65 and still insured through […]

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Medicare supplement

What is a Medicare Supplement Plan G?

Medicare Supplement Plan G, also called Medigap, coverage is very similar to Plan F. It offers great value for beneficiaries who are willing to pay a small annual deductible. After that, Plan G provides full coverage for all of the gaps in Medicare. It pays for your hospital deductible, copays and coinsurance. It also covers […]

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Case Studies Part C Medicare Advantage Part D Prescription Drug

“Thank you for helping me change my insurance!”

This month I received this wonderful thank you note from Nancy. She had recently relocated and needed to find new doctors along with a Medicare Advantage plan covering those doctors and her medications. Nancy was concerned that she would have to remain on her current plan and wait until the Annual Open Enrollment Period in […]

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Part C Medicare Advantage

What Is the Medicare Advantage Open Enrollment Period?

Medicare Advantage Open Enrollment Period, which begins January 1 and ends March 31, allows individuals already enrolled in Medicare Advantage to i) switch to another Medicare Advantage plan or, ii) drop Medicare Advantage and return to Original Medicare and join a Medicare Part D prescription drug plan. This is separate from the widely advertised Annual […]

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Medicare Part C Medicare Advantage

Help, I Missed the Medicare Deadline!

October 15 through December 7 (Annual Enrollment Period) is when individuals enrolled in Medicare may change their Medicare Advantage or Part D Prescription drug plan selection. This is a good time to share some of the questions I have been receiving in case you, a neighbor or family member missed that deadline: Q: I missed […]

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Part C Medicare Advantage

Medicare and Veterans

This spring I received calls for help from several veterans who were paying a monthly premium to be enrolled in a MAPD, a Medicare Advantage with Prescription Drug Plan. These veterans are not eligible for CHAMP or TRICARE, are enrolled in Medicare Parts A and B and pay the Part B premium. Since these veterans […]

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Medicare A & B Medicare supplement Part D Prescription Drug

What is the “Medicare Savings Program?”

Individuals enrolled in Medicare Parts A and B may apply for the Medicare Savings Program. If eligible you will receive help paying the Medicare Part B premium, currently $135.50. In some instances, (QMB) the program will pay your Part A and Part B deductible and co-insurance amounts. (And possibly a percentage of your Part C […]

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Part D Prescription Drug

Eli Lilly Will Sell Half-Price Version of Humalog Insulin

This is a step in the right direction. Drug manufacturer Eli Lilly is introducing Insulin Lispro, a generic version of Humalog – an insulin to treat Type 2 diabetes. However don’t expect for this to appear on your health insurance generic drug formulary anytime soon. “…those with drug coverage will either experience no change or […]

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Case Studies Part D Prescription Drug

A Medicare Advantage case study.

If you, a loved one, friend or neighbor has experienced “sticker shock” with your Medicare Part D prescription drug co-payment, the following case study may interest you. Earlier this week, I received this message from an Albany New York County couple: “We were talking with our neighbor Kathy about the sudden and unaffordable cost of […]