The late enrollment penalty is an amount that may be added to a person’s monthly Part D premium. A person enrolled in a Medicare drug plan may owe a late enrollment penalty if he or she goes without Part D or other creditable prescription drug coverage after the end of his or her Initial Enrollment Period for Part D coverage.

It is not required by federal law for insurance companies to sell Medigap policies to people under 65 years of age. Many states, however, have separate laws that require a Medigap option for Medicare-eligible individuals who are under 65. That means that under 65 individuals may or not be able to purchase a Medigap plan depending on which state you live in.

If you live in a state that offers a Medigap Birthday Rule or Medigap Anniversary rule, you can switch plans every year without having to answer medical questions. There’s one small catch…

If you’re enrolled in a Medicare Supplement plan you may have been told switching plans can be difficult. This can be true, but we’ve found Medigap life hacks that might…

Medigap Plan F was once the most popular, most comprehensive (and often most expensive) plan available. This has recently changed as Medigap Plan G is now a better deal in almost every market.

A popular Medigap often means that others have done their research and have selected it because it is a good price value.  But popular policies usually also carry less risk.

Part B Excess charges occur when a doctor overcharges Medicare more than the Medicare-approved amount, up to a maximum of 15%. This happens when the healthcare provider does not accept Medicare assignment and decides to charge on top of that.

Most states allow seniors to switch Medigap plans at anytime of the year by answering health questions. Washington State, on the other hand, allows you to switch your Medigap to another Medigap without going through medical underwriting. This can also be done all year long and the only exception is Medigap Plan A, which does not offer this chance.

Medicare Advantage plans can really cost you $0 per month. Let us explain how this is possible.

Many of our clients ask us to help them switch from Medigap Plan F to Medigap Plan G. We can do this and have done this hundreds of times. The reason is simple: Plan G is less expensive than G and there is speculation that because of the…