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There's a Window Where a Medigap Insurer Can't Say No. Most People Miss It.
For a few weeks of your life, a Medicare Supplement insurer is not allowed to ask about your health. Most people find out about that window after it has closed.

Gen Kruse
2 min read
Illinois Gives You 45 Days a Year to Switch Medigap Plans. It Starts on Your Birthday.
Illinois gives Medigap policyholders a 45-day window every year, starting on their birthday, with no health questions. What it does and does not allow.

Gen Kruse
2 min read
Your MAPD Is Ending 12/31. Here's What That Non-Renewal Letter Really Means.
A non-renewal letter is not the end of your Medicare. It is a deadline with a door built into it — and the door has a clock on it.

Gen Kruse
2 min read
Your Part D Premium Had a Cushion for Two Years. It Ends 12/31.
A temporary federal program held down stand-alone drug plan premium increases for two years. It ends December 31, 2026. Your ANOC has the 2027 number.

Gen Kruse
2 min read
Medicare Now Covers Weight-Loss Drugs for $50 a Month.
Medicare will pay for three weight-loss drugs at $50 a month. The headline is real. The fine print decides whether it applies to you.

Gen Kruse
2 min read
Drug Formularies - the list of approved drugs
The Moving Target: Keeping Up With Medicare Drug Lists It’s jarring when a medication you’ve relied on suddenly costs more or needs new approval. What feels like a “random change” is often a quiet shift in the plan’s drug list—and these shifts can affect your health and your day-to-day rhythm. When a drug list changes, your medication may move to a different tier, need extra steps, or be replaced with a generic. These updates can lead to surprise pharmacy costs, refill delay

Jennifer Morris
1 min read
Medicare Supplement, MediGap, and Medicare Advantage?
Let's make this really simple. MediGap is the SAME as Medicare Supplement (sometimes called Med Sup) Medicare Advantage is a completely different product. Here is simple breakdown but an agent should explain both so you can make a confident decision. Disclaimer: This information is for educational purposes only. Benefits, costs, and coverage vary by plan and area. Medicare rules may change.

Jennifer Morris
1 min read
Menopause is a Hot Topic!
Menopause has gone mainstream. From podcasts to wellness startups, everyone’s finally talking about it — but smart women are already doing something about it! At AskGen , we believe women deserve choices that fit their lifestyle, body chemistry, and beliefs. Here’s a look at what we learned or relearned when working with Colleen, AskGen's Wellness Expert. NOTE: Colleen is not paying for our endorsement. I'm a paying client:) Why did I listen to a celebrity or other influencer

Jennifer Morris
3 min read
Could a plan offer discounts for your Groceries (and Meal Kits)?
When most people think about health insurance plans, they picture hospital bills, doctor visits, or prescription coverage. But there’s a...

Jennifer Morris
2 min read
Pickleball and Gym Memberships
Why SilverSneakers Still Matters — And Why It’s Cooler Than You Think When I worked at Blue Cross Blue Shield Association , I was on a...

Jennifer Morris
3 min read
Medicare: Your Income Plays a Role
If your income is higher, you’ll pay extra for Parts B and D. This is called the Income-Related Monthly Adjustment Amount (IRMAA). It’s...

Jennifer Morris
1 min read
Medicare: Self Employed
If you’re self-employed, you'll still enroll yourself at 65. Most people take Part A, add Part B, and then decide if they want Part D or...

Jennifer Morris
1 min read
Medicare: Avoiding Late Enrollment Penalties
The good news? Avoiding penalties is simple. Sign up during your Initial Enrollment Period. If you’re working past 65, make sure you...

Jennifer Morris
1 min read
Medicare: Late Enrollment Penalties
Signing up late for Medicare can cost you for life. That's why when you are turning 65, it's critical to enroll. Part B: your monthly...

Jennifer Morris
1 min read
Medicare: What Is Medicare Advantage?
Medicare Advantage (Part C) is offered by private companies approved by Medicare. It usually bundles hospital, medical, and...

Jennifer Morris
1 min read
Medicare: What is Medigap?
Medigap helps pay costs Original Medicare doesn’t — like copayments and deductibles. It’s great for people who want predictable costs and...

Jennifer Morris
1 min read
Medicare: What if my spouse isn't eligible yet
Medicare is individual, not family coverage. If you qualify first, you’ll move onto Medicare. Your younger spouse will need other...

Jennifer Morris
1 min read
Medicare: Still working at 65?
If you’re still working at 65, here’s what matters: If your employer has 20 or more employees, you may be able to delay Part B if you...

Jennifer Morris
1 min read
Medicare: Social Security & Medicare
If you’re already receiving Social Security when you turn 65, you’ll usually be signed up for Medicare automatically. If not, you’ll need...

Jennifer Morris
1 min read
Medicare: The Four Parts
Medicare isn’t just one program — it’s four parts. Part A helps with hospital stays. Part B helps with doctor visits and outpatient care....

Jennifer Morris
1 min read
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