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14 articlesOriginal Medicare now requires prior authorization in six states, and most people in them have never heard of it
Short answer: The WISeR model applies prior authorization or prepayment review to a defined list of Original Medicare services in six states: Arizona, New Jersey, Ohio, Oklahoma, Texas and Washington. It began January 1, 2026 and is scheduled to run through 2031.…
The $2,400 Part D cap in 2027: what counts toward it, what does not, and why two people with the same plan hit it in different months
Short answer: The 2027 Medicare Part D out-of-pocket maximum is $2,400, up from $2,100 in 2026. Once your spending on covered Part D drugs reaches it, you pay nothing more for those drugs for the rest of the calendar year. Premiums do…
Anthem Medicare Supplement Insurance Plan
Short answer: Medicare doesn’t cover everything. A Medicare Supplement Insurance plan can help you cover what Medicare does not. You can enroll in a Medicare Supplement Plan anytime of the year, however, you
Best Medicare Supplement Plans
Short answer: Picture this: You’ve spent a lifetime working hard, chasing dreams, and building a future. Now, as you embrace the golden years, one thing becomes abundantly clear
Carriers are dropping Medicare Advantage plans for 2027. Why it is happening, and what it means if yours is one of them.
Short answer: Carriers are cutting Medicare Advantage plans for 2027 because medical costs are rising faster than the payment increase CMS approved, so they are dropping their least profitable plans and counties. If your plan is terminating, you get a special enrollment…
Medicare Advantage vs Medigap in 2027: the honest comparison, including the trap nobody mentions
Short answer: Medicare Advantage bundles your coverage into one private plan with a network, usually at a lower monthly cost. Medigap pays your share of Original Medicare, works with any doctor who takes Medicare, and costs more each month. The decision is…
How to read your 2027 Annual Notice of Change in ten minutes, and the four lines that matter
Short answer: The Annual Notice of Change is the letter your Medicare Advantage or Part D plan must send by September 30 each year. It compares your current coverage against next year's, line by line. Four sections decide whether to stay or…
Medicare AEP for 2027 coverage: the dates, what you can change, and the one thing it does not cover
Short answer: Medicare's Annual Enrollment Period runs October 15 through December 7, 2026, for coverage that starts January 1, 2027. During it you can switch between Original Medicare and Medicare Advantage, change Medicare Advantage plans, or add, change, or drop a Part…
Why your 2027 Part D premium is going up, and the three things to check before December 7
Short answer: Your 2027 Part D premium is likely higher because CMS ended the Part D Premium Stabilization Demonstration after 2026. That program had reduced the average standalone drug plan premium by roughly $16 a month. It applied only to standalone Part…
Choosing the Right Medicare Brokers: Tips and Benefits
Short answer: Are you overwhelmed by Medicare options? A Medicare broker can help. These licensed professionals guide you through choosing the right Medicare plan for your needs. By the end of this article, you’ll know what a Medicare broker does, how they…
Medicare Advantage Plans Illinois
Short answer: Top Picks for Best Medicare Advantage Plans Illinois Navigating the best Medicare Advantage plans Illinois? This guide outlines the top-rated options, key benefits, and essential considerations to help you make an informed choice. Key Takeaways Top-Rated Medicare Advantage Plans Illinois…
Beginner’s Guide to Understanding Medicare Supplement Plans
Short answer: Key Highlights Introduction Navigating Medicare can feel a bit confusing at first. There are many coverage options to understand. Original Medicare gives a good base for your healthcare needs. However, Medicare Supplement Plans add more financial help. This beginner’s guide…
Why Are People Leaving Medicare Advantage Plans
Short answer: Finding the ideal Medicare plan can feel like wading through a sea of options, each with its own set of perks and pitfalls. Recently, a growing number of beneficiaries have started asking,
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