Medicare Articles & Resources
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What Medicare Covers
View AllCoverage details for specific conditions, procedures, preventive services, dental, vision, hearing, and more.
What Medicare Home Health Actually Pays For and the Custodial Care Line
Medicare covers skilled home health care under strict conditions, but it will not pay for the custodial care most families actually need. Licensed agents explain the line between what qualifies and what doesn't, the post-surgery and dementia scenarios where the gap hits hardest, and the planning moves that can keep families from being caught off guard.
Finding a Medicare Agent
View AllHow Medicare agents and brokers work, how to find a good one, and why working with a local agent is important.
Do Medicare Agents Charge a Fee? Here's What Agents Themselves Say
Wondering if you have to pay a Medicare agent for help? We asked more than 100 licensed agents and brokers across the country. Their answer was unanimous, and the reason why might surprise you.
Medicare News & Updates
View AllAnnual changes, new legislation, industry trends, myths, and what's shifting in the Medicare landscape.
The Medicare Mail and TV Ad Blitz: What Agents Tell Seniors to Throw Out, Hang Up On, and Actually Trust
Licensed Medicare agents break down the mail, TV commercials, robocalls, and food card ads that flood seniors turning 65. A triage guide built from 300 real agent answers on what to keep, what to shred, and when to hang up.
Medicare Advantage
View AllHow Medicare Advantage (Part C) works, what it includes, trade-offs vs. Original Medicare, and what to watch out for.
Medicare Advantage Is More Than Free Groceries and $0 Premiums
Medicare Advantage plans offer more than the grocery allowances and $0 premiums you see on TV. A licensed Medicare professional breaks down what really matters when choosing a plan, from provider networks to coordinated care and annual reviews.
Enrollment Periods & Plan Changes
View AllWhen you can enroll, switch, or update your Medicare coverage. AEP, OEP, Special Enrollment Periods, and deadlines.
CMS-L564 Form Explained: What It Is, How to Fill It Out, and Why It Matters
The CMS-L564 form is how you prove to Social Security that you had employer coverage after 65. Here's who fills out which section, when you need it, the HR delays nobody warns you about, and why missing it can mean a lifetime Part B penalty.
Special Situations
View AllMedicare for veterans, disabled individuals, workers past 65, immigrants, snowbirds, and other unique circumstances.
Can Veterans Skip Medicare Part B? The VA, TRICARE and Medicare Advantage Debate
Ask ten Medicare agents how VA benefits and Medicare fit together and you will get ten different answers. Here is what licensed agents actually say about Part B, TRICARE for Life, and whether a zero-premium Advantage plan makes sense on top of VA care.
Costs, Savings & Financial Planning
View AllPremiums, IRMAA, tax strategies, savings programs, and how Medicare fits into retirement planning.
How You Can Actually Use Healthcare Price Transparency in 2026
Healthcare price transparency has improved, but it still has limits. Here's how Medicare beneficiaries can actually use it to compare costs, prepare for procedures, and ask better questions.
Medicare Basics
View AllWhat Medicare is, how the parts work, and what every beneficiary should understand before making plan decisions.
Do Medicare Hospital Days Reset Every January? The Benefit-Period Rule Even Some Agents Get Wrong
Many people assume Medicare hospital days reset each January like most insurance deductibles. The reality is more complicated. Under Original Medicare, your Part A hospital days reset based on benefit periods, not the calendar year. A benefit period begins when you are admitted and does not end until you have been out of the hospital or skilled nursing facility for 60 consecutive days. This article, built from hundreds of licensed agent answers, explains how the system actually works.
Prescription Drugs & Part D
View AllMedicare drug coverage, Part D plan choices, saving money on medications, and what's changing with prescription costs.
Does Medicare Cover Repatha? Costs, Coverage, and Ways to Save in 2026
Yes, most Medicare Part D plans cover Repatha, but it usually sits on a higher formulary tier with prior authorization. Here's what you'll actually pay in 2026 and how to lower the cost.
Turning 65 & Enrolling
View AllEverything you need to know when you're first eligible for Medicare including how to sign up, what to choose, and mistakes to avoid.
How to Enroll in Medicare If You're Not Taking Social Security Yet
Delaying Social Security to 70 doesn't delay your Medicare eligibility. Here's what to do at 65 if your Social Security check hasn't started yet, how to sign up on your own, and how you'll pay your Part B premium in the meantime.
Medigap & Supplement Plans
View AllHow Medicare Supplement policies work, which plans to consider, underwriting, rate changes, and whether Medigap is worth it.
When the Medicare Supplement You've Had for 20 Years Becomes Unaffordable
Plan F premiums can become crushing for seniors in their late 80s and 90s. Licensed Medicare agents explain the F-to-G-to-N-to-Medicare Advantage downgrade ladder, the Birthday Rule workaround, and the one rule you must never break when switching plans.
Helping a Parent with Medicare
View AllGuides for adult children navigating Medicare decisions for aging parents.
8 Questions to Ask When Helping Your Parents With Medicare
Licensed Medicare agents share the 8 questions caregivers ask most when helping aging parents with Medicare, from starting the conversation to getting POA.
