keithmurray

Medicare Excess Charges – Should I Be Concerned?

Plan N and Plan D are great plans that we get asked about a lot. Those plans have premiums that are much lower than more popular plans. Some clients are concerned about not getting the Medicare Excess Charges covered. That is because unlike Plan F or G, Plan N and D do not cover Excess Charges. …

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How To Appeal a Medicare Part B Premium Penalty For High Income

If you are a Medicare beneficiary that had a high income within the last couple of years, you may be penalized with a higher premium by Medicare. This penalty can affect your Part B premium and your prescription drug (Part D) premium. There is a process to appeal a Part B premium penalty. The technical name …

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Medicare Supplement for Diabetes with Neuropathy

This week we had a case with a gentleman who had diabetes and a history of mild neuropathy. On the applications for most Medicare supplement companies, they are not questioning the severity of diabetes with neuropathy or retinopathy.  They simply want to know if you have been diagnosed with it or treated for it within …

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Medicare Enrollment – Legislation Looks to Address Confusion

For many years, it was easy to know when retirement, Social Security, and Medicare were going to be a reality in our lives. Age 65 was the defining marker for all of those, including Medicare enrollment. That one birthday used to mean that retirement (and hopefully a pension), better healthcare options through Medicare, and the …

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Prescription Drug Coverage With Medicare Supplements

Medicare Supplement (Medigap) insurance policies do not provide prescription drug coverage. If you have a Medicare Supplement plan, you can still get drug coverage through a separate prescription drug plan through companies that offer drug plans such as Silverscript or Humana. Prescription drug plans are also known as Part D of Medicare. Prescription Drug Coverage Under Legacy …

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The Parts and Plans Of Medicare

Sometimes the P words can get a little confusing. When adding to all the talk of deductibles and copays and all the things that go with making good insurance decisions, it can be a little overwhelming. Let’s talk about which is which. The Parts of Medicare are the actual divisions of the Medicare program. Medicare plans are …

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