Straight answers on Medicare and small business health insurance.
Every article starts with the short answer, is written by the advisors who handle these cases, and is re-checked when the rules change. Search a question the way you would ask it.
Results for “medigap”
30 articlesBlue Cross Blue Shield of Michigan Exits Iowa Medicare Advantage Drug Plans for 2027
Short answer: Blue Cross Blue Shield of Michigan will sell Medicare Advantage prescription drug plans only in Michigan and Wyoming for 2027, ending them in Iowa, North Dakota and South Dakota. Iowa members should pick a replacement during the Annual Election Period,…
193 Counties Have No Medicare Advantage Drug Plan for 2027, Including Colorado and Utah
Short answer: KFF reported on October 9, 2026 that 193 counties will have no Medicare Advantage prescription drug plan open to general enrollment in 2027, up from 123 counties in 2026. About 638,000 people live in them, up from 399,000. Residents can…
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…
CMS Projects 2027 Medicare Advantage Premiums Down 16.5 Percent, Check Yours
Short answer: CMS projects the weighted average Medicare Advantage premium will fall from $14.37 in 2026 to $12.00 in 2027, and the average drug premium inside Medicare Advantage plans to fall from $11.32 to $7.00. Those are national, enrollment-weighted averages. Your own…
CMS Caps Medicare Advantage Enrollment at 65 Plans in 11 States for 2027
Short answer: For 2027, CMS accepted enrollment capacity limits on 65 Medicare Advantage plans from 15 parent organizations across 11 states, with limits ranging from 410 to 56,345 members. A capped plan takes applications in the order received, then closes to new…
Working past 65 and Medicare: the 20-employee rule, the 8-month Part B window, and HSAs
Short answer: If your coverage comes from your own or your spouse's current job and the employer has 20 or more employees, you can usually delay Part B without a penalty and sign up within 8 months after the job or coverage…
Is your drug coverage creditable? Part D rules, the October 15 notice and the late penalty
Short answer: Creditable coverage is drug coverage expected to pay at least as much as standard Part D, which lets you delay Part D without a penalty. Because Part D became richer, employer plans must pass a stricter test for 2027, and…
Can I Switch From Medicare Advantage to Medigap? The 63-Day Rule for 2027
Short answer: Yes, you can return to Original Medicare and apply for Medigap, but the insurer can ask health questions unless a guaranteed issue right applies. If your Medicare Advantage plan is leaving your area, apply as early as 60 days before…
Medicare Supplement Plans in Florida for 2027 and the 6-Month Window
Short answer: Florida follows the federal Medigap design of 10 standardized plan letters, and adds a state open enrollment period under section 627.6741. That window runs 6 months from the first month you are 65 and enrolled in Part B, with a…
Does Cleveland Clinic Accept Medicare Advantage in 2027? How to Verify
Short answer: Cleveland Clinic accepts Original Medicare and participates in some Medicare Advantage networks, but not in every plan a carrier sells. Its accepted-insurance list is reference only and subject to change, and participation can be limited to certain hospitals. For 2027…
HSA and Medicare: the 6-month rule, when to stop contributing, and what HSAs can pay for
Short answer: Once you enroll in any part of Medicare, you and your employer must stop HSA contributions. If you sign up after 65, Part A starts up to 6 months before you apply, so stop contributing about 6 months ahead. You…
IRMAA brackets 2026 and 2027: how the Medicare income surcharge works, with a calculator
Short answer: In 2026, IRMAA applies when your 2024 income was above $109,000 (single) or $218,000 (married filing jointly). It raises the Part B premium from $202.90 to between $284.10 and $689.90 a month and adds $14.50 to $91.00 to Part D,…
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…
Comparing Medicare Supplement Plans in 2026: G vs N vs K and Who Each Fits
Short answer: Medigap plans with the same letter cover the same benefits at every company, so compare in two steps. First pick the letter that fits how you use care: Plan G for predictable costs, Plan N for a lower premium with…
Medigap Birthday Rule in 2026: Illinois 45 Days vs Federal 63-Day Rights
Short answer: A birthday rule is state law. Illinois gives Medigap policyholders a 45-day window starting on their birthday to move to an equal or lesser policy from the same issuer or an authorized affiliate. Maryland runs an annual guaranteed issue period…
Medicare Supplement Plans in Michigan for 2027: 10 Letters and the 6-Month Window
Short answer: Michigan follows the federal Medigap rules. You get one six-month open enrollment window that starts the first month you are 65 or older and enrolled in Part B, with no health questions. There are 10 standardized letters, A through D,…
Medigap Plans in Ohio for 2027: the 10 Letters and the 6-Month Window
Short answer: Ohio uses the federal Medigap system, so the same 10 letters apply: A, B, C, D, F, G, K, L, M and N. Your one guaranteed window is the 6 months that start when you are both 65 and enrolled…
Best Medicare Supplement Plans for 2027: Plan G vs Plan N and the 10 Letters
Short answer: No single Medigap plan is best for everyone. Benefits are standardized by letter, so a Plan G is a Plan G at every company, and price is the variable. Plan G and Plan N cover the same care differently: Plan…
Medicare Supplement Plans in Texas: 6-Month Window and 63-Day Rights
Short answer: Texans have one six-month Medigap open enrollment period that starts the first month they are 65 or older and enrolled in Part B. Inside it, carriers must sell any plan they offer in Texas, regardless of health. Outside it, Texas…
2027 Medicare Advantage Star Rating Cutpoints Got Harder
Short answer: CMS released draft 2027 star-rating cutpoints to Medicare Advantage insurers during its plan preview. One consulting analysis found about 50 percent of thresholds got harder, 33 percent held flat and 17 percent eased, with most tightening on HEDIS clinical measures.…
Medicare Advantage Plans in Illinois for 2027 and the October 15 Deadline
Short answer: Illinois Medicare Advantage plans for 2027 can be compared starting in October 2026, and you can change coverage from October 15 to December 7, 2026, for a January 1, 2027 start. Program-wide, the Part D deductible rises to $700 and…
Turning 65: The 7-Month Medicare Enrollment Checklist and Deadlines
Short answer: Your Initial Enrollment Period runs 7 months: the 3 months before your 65th birthday month, that month, and the 3 months after. Sign up in the first 3 months and Part A and Part B start the first day of…
Original 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.…
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,
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
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…
No articles match that yet. Ask us directly and we will answer it, and probably write it up.