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

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.

If your plan is ending — for example, on December 31 — you qualify for a Special Enrollment Period. This is different from the regular...

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...

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...

The good news? Avoiding penalties is simple. Sign up during your Initial Enrollment Period. If you’re working past 65, make sure you...

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...

Medicare Advantage (Part C) is offered by private companies approved by Medicare. It usually bundles hospital, medical, and...

Medigap helps pay costs Original Medicare doesn’t — like copayments and deductibles. It’s great for people who want predictable costs and...

Medicare is individual, not family coverage. If you qualify first, you’ll move onto Medicare. Your younger spouse will need other...

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...

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...

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....

Medicare can feel confusing, but here’s the simple version. Medicare is health insurance you’ve earned from working . Most people qualify...