Medicare A & B

What is the “Medicare Savings Program?”

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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 […]

Client Testimonial

A Medicare Advantage case study.

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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 […]

Part D Precription Drug

Phase 3: Medicare Part D Donut Hole

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Previously: In the first two posts in this series, Phase I: The Prescription Drug Deductible, and Phase 2: The Initial Coverage Period, I reviewed how Medicare Part D drug plan benefits reset each January 1, how Medicare Part D prescription drug plans may include a deductible amount to be paid before any medications are covered […]

Part D Precription Drug

Is the new Novo Nordisk “improved” insulin worth a 60-70% price hike? The market says ‘no.’

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My clients regularly ask why brand name medications are so expensive. This great article by WSJ reporter Denise Roland helps explain the game. “In traditional marketing, a product line extension is the use of an established brand name for a new item with new flavors, forms, colors, added ingredients, package sizes.” Novo Nordisk repackaged its […]

Client Testimonial

“Thank you again for giving me my life back.”

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…. it’s great to hear results. Just before Thanksgiving I met with a recently widowed woman who was reeling from her loss and struggling to make sense of her health plan costs and dramatically reduced monthly income. When she disclosed her assets and monthly income, I explained to her some programs she was likely eligible for and provided assistance with the enrollment […]