Get Help With Your Healthcare Costs

You may qualify for help with your premiums, deductibles, copayments, or prescription costs with Extra Help or with a Medicare Savings Program.


Medicare has 4 savings programs that can help with your healthcare costs:


Turning 65 and still working?

Should I apply for Medicare even though I have insurance at work?


Missed the deadline? You have options!

Did you Miss the December 7th Medicare Annual Open Enrollment Deadline?

Don't worry, you still have options!

Special Enrollment Periods (or SEPs) allow you to change to another Medicare Part D Prescription Drug or Medicare Part C Advantage plan outside of the annual Open Enrollment Period (from October 15th to December 7th).  SEPs are only granted for specific reasons (such as when you move outside of your plan’s service area, qualify for low income assistance in your state or a plethora of other reasons)

Will your Drugs cost more in 2015?

If you're currently enrolled in Medicare, what you do or don't do over the next few weeks could determine whether you can get the best, most affordable coverage next year.  Hear's why:

When do I enroll in Medicare?

When you're approaching age 65, it's important to thoroughly research the benefits and costs of each different Medicare insurance plan in your area.  But it's even more important to make sure you enroll at the right time.

Missing an enrollment date could cost you higher premiums down the line or it could cost you coverage entirely. 

Why everyone needs professional help.

Cutting out the middle-man isn't always a good thing.

Why You Need An Insurance Agent

It still shocks me when someone asks why they should use an agent instead of just calling the insurance company directly to enroll in a Health Insurance Plan.  But I understand why you might ask this question.  If you get something in the mail and it looks like a good deal then why not just cut out the middle man and buy direct?

Part B Premium stays at $104.90 for 2015

Good news! Medicare Part B Premium will NOT increase for 2015!

U.S. Department of Health & Human Services News Division announced today that the Part B premiums and deductibles for 2015 are to remain the same as the last two years! Also, premiums, copays and deductibles for other Medicare programs for 2015 were announced. CMS released a new bulletin today that can be read in its entirety be clicking on the link below.

6 Reasons To Change Your Medicare Plan.

6 Reasons To Change Your Medicare Plan.


Does Open Enrollment matter to me if I am happy with my current Medicare plan?

You are happy with the plan you have today....

However, as of January 1, a new plan will take effect that you’ll have to live with in 2015.  Here are some of the things that may change:
  • Your monthly premium
  • Your annual deductible
  • Your annual out-of-pocket spending limit
  • Your out-of-pocket costs (co-payments or coinsurance)
  • The network of providers and pharmacies
  • The drug formulary (list of medications the plan covers)

How to Sign Up for Medicare

So you’re turning 65? Congratulations! 

It’s time to start taking advantage of your Medicare benefits. And just how do you do that?

First, here’s a quick overview of what Medicare offers: