Medicare Insights from Agents
Insights and Expertise from Leading Medicare Agents
Explore expert perspectives on Medicare from top agents across the country. This page features a curated collection of articles written by Medicare agents, offering valuable advice, tips, and insider knowledge to help you make informed decisions about your Medicare options. Stay up-to-date with insights directly from the professionals who understand Medicare best.
Medicare Advantage vs Medicare Supplement in Northeast Florida: What Jacksonville Seniors Need to Know
Written by Jake Purvis - CMIP
A Northeast Florida Medicare agent breaks down the key differences between Medicare Advantage and Medicare Supplement plans, including how each option affects access to Mayo Clinic Jacksonville.
Now That You've Turned 65: How to Choose Medicare Coverage That Protects Your Health and Your Budget
Written by Françoise Mueller
A practical guide for new Medicare enrollees on evaluating plan networks, drug formularies, cost sharing, and out-of-pocket limits to find coverage that truly fits.
Understanding Medicare Supplement Medical Underwriting: A Story of Making Informed Choices
Written by Edward MacConnell
A walkthrough of Medicare Supplement medical underwriting, including the Medigap Open Enrollment Period, guaranteed issue rights, pre-existing condition waiting periods, and the health conditions that can affect your eligibility.
Grandma Should Not Have To Be a Pharmacist: Where Did the Part D Help Go?
Written by William Gray
Medicare insurance professional William Gray examines how the loss of agent compensation for Part D enrollment is leaving seniors without expert guidance on one of the most complex healthcare decisions they face each year.
What Floridians Need to Know About Medicare at 65
Written by Derek Rogers
A step-by-step guide for Florida residents turning 65, covering Medicare enrollment, plan options, costs, common mistakes, and Florida-specific considerations.
5 Medicare Mistakes That Cost People Thousands (And How to Avoid Them)
Written by Nathan Wright
Licensed Medicare advisor Nathan Wright shares the five most common and costly Medicare mistakes he sees, from assuming Original Medicare covers everything to waiting too long to start the enrollment process.
A Medicare Change You'll Want to Know About for 2026
Written by John Billetdoux
One of the most significant changes to Medicare is one that is almost never mentioned at all, and it's going to affect those people who may be deferring their Part B because they're covered by a work plan.
Patient Assistance Programs: Real or Scam?
Written by Gregory Firmbach
Are Patient Assistance Programs (PAPs) legitimate or a scam? Learn how PAPs work, who qualifies, and how they can help Medicare beneficiaries afford brand-name medications.
Why Medicare Supplement Rates Increase and How Beneficiaries Can Reduce Costs
Written by Michael McGarrigle
Medicare Supplement premiums are rising across the country. Learn why Medigap rates increase, what options are available, and practical strategies to reduce your costs without sacrificing coverage.
Medicare Preventive Services: A Complete Guide to Staying Healthy, Early, and Informed
Written by Edward MacConnell
Preventive care is one of the most powerful tools in modern healthcare. It helps people detect health issues early, manage risks before they become serious, and maintain long-term well‑being. For older adults, preventive care is especially important.
Medicare is Your Insurance Vehicle
Written by Dominic Javier
Medicare is a federal health insurance program you paid into during your working years. This guide breaks down Parts A, B, C, and D, how Social Security funds Medicare through FICA, what Medicare Advantage offers beyond Original Medicare, and the major Part D prescription drug changes for 2026.
Seeing Clearly: What Medicare Covers for Cataract Surgery and Why Some Patients Feel Pressured to Pay More
Written by Mark Bilgere
Cataract surgery is one of the most common medical procedures performed on Americans over 65. But lately it seems to cause a lot of confusion. Every month I meet Medicare beneficiaries who tell me the same story.
How does Medicare and Medicaid Work Together?
Written by Celeste McGrath
How Medicare and Medicaid work together for dual-eligible individuals - who pays first, how benefits coordinate, and how combined coverage can reduce healthcare costs and expand access to care.
How Medicare Part B Really Works
Written by William Gray
While Part B is a critical part of Medicare coverage, it does not work like employer insurance—and misunderstanding it is one of the biggest reasons people end up with unexpected medical bills.
What Counts as Creditable Coverage for Medicare?
Written by Heidi Wotton
Understanding creditable coverage is essential for avoiding Medicare penalties. Learn which types of insurance qualify and which don't under Medicare rules.
Navigating Medigap: Rate Hikes & Coverage Denials
Written by Rodney Powell
We are coming off of what may be the most disruptive two years in Medicare's sixty-year history. As we start a new year, it feels like the right time to give you a high-level look at the Medicare landscape and some of the challenges I see for seniors in 2026.
Why Working with a local Independent Insurance Agent Can Make All the Difference with Medicare
Written by Cody Hebden, MBA, CLU, FLMI
Medicare decisions are important, personal, and often more complex than the advertising suggests. One of the most important decisions you’ll make when transitioning to Medicare isn’t just which plan to choose, but HOW you choose it.
Medicare Advantage vs. Original Medicare: Which Is Right for You This AEP?
Written by Jared Lucas
This article explores the differences between Original Medicare and Medicare Advantage (Part C) so beneficiaries can approach AEP with clarity and confidence.
Why Consulting a Local Independent Licensed Medicare Broker Is Essential when on Medicare
Written by Gregory Firmbach
Medicare has two separate “Delivery Platforms” (Original Medicare Parts A&B and Medicare Advantage Part C) . With dozens of plan options, varying coverage levels, and complex enrollment rules, making the right choice is critical, but not always straightforward.
Why 2026 Is So Turbulent for Medicare, Especially in NH & VT
Written by Vicki Wuest
The Inflation Reduction Act's $2,100 Part D out-of-pocket cap in 2026 offers major relief for seniors but creates financial strain on insurers, especially in smaller rural markets like New Hampshire and Vermont.
Beyond Medigap Birthday Rules: Your Complete Guide to Not Getting Lost in Medicare Land
Written by Raymond Arce
So you read that CBS News article about Medigap birthday rules and thought, "Great, another Medicare rule I didn't know existed!" Don't worry—you're definitely not alone.
Making the Most of Medicare’s Annual Election Period (AEP)
Written by Jared Lucas
Every fall, from October 15 to December 7, Medicare beneficiaries are given a powerful opportunity: the Annual Election Period (AEP). During these eight weeks, you can make changes to your Medicare coverage that will impact the upcoming year.
Medicare Showdown: Advantage vs Medigap … Choose Wisely
Written by Rodney Powell
There’s a lot of information out there that may be confusing to anyone who needs to understand how Medicare works. Among Medicare’s most perplexing aspects are Medicare Supplement policies (Medigap) and Medicare Part C (Advantage). Both help with healthcare services and expenses, but they do work differently.
Understanding the Medicare Annual Enrollment Period (AEP)
Written by Robert Vaughan, R.Ph., MBA
Annual Enrollment Period (AEP) runs from October 15 through December 7. This is a critical time to assess your current coverage, understand any upcoming changes to your plan, and decide whether a different plan might better suit your needs.
Do I Need Medicare If I Continue Working Past 65?
Written by Rodney Powell
If you're planning to delay retirement and need to ensure you have the right healthcare coverage, this is your guide. Medicare presents seniors with a dizzying array of choices, some of which have long-term consequences. Understanding how and when to transition from employer-sponsored group health coverage is important.
Medicare Fatigue: Why So Many Seniors Feel Overwhelmed and What You Can Do About It
Written by Terri Reagin
Seniors are feeling overwhelmed and just want the phone to stop ringing. They’re done being “sold” on Medicare. If you’re tired of the noise and want help making a smart, stress-free decision, a local agent can guide you without the hype.
Why Medicare Should Be Part of Your Retirement Strategy
Written by Allan Boothe
Retirement planning is about more than just finances. It’s about security, freedom, and knowing you’ve accounted for the unexpected, especially when it comes to your health. One of the most important yet often overlooked aspects of retirement is how Medicare fits into your overall strategy.
A Family Guide to Hospice and Medicare: What I Learned From My Mom’s Experience
Written by Michael Ferraro
I wasn’t prepared for what hospice meant until my mom needed it. This article shares what I learned about hospice care and how Medicare helps cover it, in hopes it can make things clearer for you and your family.
Pay Now or Pay Later: The Real Cost of Medicare Advantage vs. Medigap
Written by Todd Bostic
Medicare Advantage plans may seem like a great deal with all their extras, but they often come with hidden costs when you actually need care. With Medigap, you pay more upfront each month, but you usually walk into a doctor or hospital and owe nothing.
Medicare in 2025: Must-Know Changes and Challenges for New and Current Enrollees
Written by Douglas Carney
In 2025, Medicare’s transformative changes are sparking discussions among new and current enrollees. From cost-saving measures to privatization concerns, these shifts are reshaping healthcare planning. Here are the top trending topics you need to know, based on recent updates.
Critical Medicare Mistakes to Avoid (and How to Protect Yourself)
Written by Robert Vaughan, R.Ph., MBA
Whether you are approaching eligibility or helping a loved one manage their transition into Medicare, it is essential to understand what not to do. Avoiding common mistakes can save you thousands of dollars in penalties, help you access the care you need when you need it, and give you peace of mind for the future.
The Best Way to Apply for Medicare with a Plan G Supplement
Written by Charise Karjala
This guide breaks down everything you need to know about Medigap Plan G, one of the most popular and comprehensive supplemental insurance options for retirees. You’ll learn why Plan G stands out, especially if you prefer private hospitals. Learn how to apply for Medicare with Plan G, what it covers (like Part B excess charges), and when to enroll to get the best rates.
The Medicare Mistake Millions Make - and How Local Agents Fix It
Written by Gary Smith
The truth is many people don’t realize that choosing a local Medicare agent over a giant 1-800 # can make all the difference. The cost? Exactly the same. The service? Night and day. If you’re tired of feeling like just another number, check out this article.
Understanding Medicare: The Basics Explained Simply
Written by Alyssa Gonzales
Whether you choose Original Medicare, add a Medigap and Part D plan, or go with a Medicare Advantage plan, the key is choosing the coverage that aligns with your healthcare needs, preferences, and financial situation. Taking the time to learn your options now will save you time, money, and stress later on.
Medicare, Medications & Mistakes: Avoiding Costly Underwriting Surprises
Written by Corey Romero
Avoid costly Medicare underwriting surprises by understanding how certain medications can impact your insurance eligibility. Learn which prescriptions raise red flags and how to navigate the system to protect your coverage.
Understanding Medicare Choices at Age 65
Written by Michelle Schaefer
Turning 65? Learn how to control your Medicare choices, avoid penalties, and decide when to enroll in Parts A & B based on your work and health coverage. Understand what Medicare covers—and what it doesn’t.
Learn How Medigap Insurance Functions
Written by Brian Biesiadecki
The article explains that to buy a Medigap policy, you need Original Medicare (Parts A and B), and it covers only one person, so spouses need separate policies. It also details how Medicare pays its share first, followed by Medigap covering additional costs, with policies renewable yearly as long as premiums are paid, distinct from Medicare Advantage Plans.
Understanding the differences between Medicare Advantage vs. Medicare Supplement
Written by David Walls
There are two main options for your Medicare coverage. These options are Original Medicare (usually accompanied by a Medicare Supplement) which is made up of Part A (Hospital Coverage) and Part B (Medical Coverage), or Medicare Advantage which is also known as “Part C”.
Decoding Your Dream Retirement: Medicare, Life Insurance, and Annuities - Oh My!
Written by Robert Moore
Retirement. Just the word conjures up images of sun-drenched beaches, leisurely mornings, and finally tackling that overflowing "to-do" list. But let's be real, turning those daydreams into reality takes planning. And that's where understanding the trifecta of Medicare, Life Insurance, and Annuities comes in.
Medicare Part B: Preventive Screenings and Services
Written by Edward Smith, ChFC, CRPS, AIF
Medicare Part B covers key preventive care—screenings, mental health checks, and vaccines like flu and COVID-19—to help you stay healthy as you age. This guide shows what’s included in 2025 and how to access it.
The Future of Medicare in the USA: Challenges, Innovations, & Opportunities
Written by Luis Daza
This article provides a comprehensive overview of the key issues and trends shaping the future of Medicare. By addressing these challenges head-on, the USA can ensure that Medicare remains a vital and effective program for years to come.
6 Medicare Myths Debunked: What You Really Need to Know
Written by Edward Smith, ChFC, CRPS, AIF
Medicare can be confusing, especially with so much misinformation out there. Whether you're nearing eligibility or already enrolled, let’s clear up common myths to help you make informed decisions for your health and finances.
Big Changes Coming to Medicare in 2025
Written by Steve and Sue Brauer
Some significant changes are happening in Medicare for 2025, most of which are good! Because of the Inflation Reduction Act of 2022, changes have been made to Medicare this year and for years in the future.
Do you Have the Right Medicare Advantage Plan?
Written by Al Haghdan
Not sure if your Medicare Advantage plan is right for you? During the Open Enrollment Period (Jan 1 – Mar 31), you can switch plans or return to Original Medicare. Learn how to evaluate costs, coverage, and provider networks to make the best choice.
Turning 65 in a Rural Area: What You Need to Know About Medicare
Written by Mike Wetsel
Turning 65 is a milestone that comes with important decisions about your health coverage. For those living in rural areas, navigating Medicare options can feel overwhelming.
Healthcare Wars: The 2023 CMS Expenditure Report, Congressional Budget Blunders, and the Fight for Health Information Transparency
Written by Brian Moore
Explore the key takeaways from the 2023 CMS expenditure report, Congressional budget debates, and the ongoing fight for health information transparency. Stay informed on the latest healthcare policy battles.
Understanding Medicare PPOs, HMOs, and POS Plans: A Guide for Seniors
Written by Shiloh Carpentier
Medicare Advantage plans offer alternatives to Original Medicare, covering medical services and often extras like dental. PPOs provide flexibility at higher costs, HMOs focus on affordability within a network, and POS plans balance cost and flexibility. Choose based on your healthcare needs, budget, and lifestyle.
Turning 65 and New to Medicare: What To Do Next
Written by Charles Wheeler
Turning 65 and new to Medicare? Learn everything you need to know about your enrollment, coverage options, and deadlines. Get expert tips from Medicare agents to simplify the process!
The Annual Medicare Maze: Why Reviewing Your Coverage is Crucial
Written by Robert Moore
Medicare’s complexity makes annual reviews crucial to align your plan with changing health needs, costs, and coverage options. This guide provides clear steps to maximize benefits, minimize expenses, and navigate Medicare confidently, guided by expert insights from Robert Moore.
Medicare Supplements vs. Medicare Advantage Plans: Key Differences
Written by Jennifer Robbins
Both Medicare Supplement (Medigap) plans and Medicare Advantage (Part C) plans aim to reduce out-of-pocket costs and provide more comprehensive coverage, but they work in very different ways. Understanding the distinction between the two can help you make an informed decision about which option is best for your healthcare needs.
2024 Medicare Landscape: What You Need to Know About Medicare Changes and the Inflation Reduction Act
Written by Justin Brock
Stay informed on 2024 Medicare changes, including the Inflation Reduction Act's impact on drug costs, coverage updates, and key benefits. Get the latest insights to make the best Medicare decisions this year.
The Pros and Cons of Medicare Supplement Insurance
Written by Tammy Burns
Medicare Supplement Insurance, commonly known as Medigap Insurance, is designed to help cover some of the out-of-pocket costs associated with Original Medicare (Parts A and B). While Medigap can offer valuable benefits, it’s essential to weigh its pros and cons before deciding whether it’s the right choice for you.
Medicare When Living with Chronic Conditions: What Your Agent Needs to Know
Written by Kate Spilsbury
Medicare can be complex, especially for those with chronic conditions, due to its multiple parts and coverage gaps. A knowledgeable agent can help navigate these options, ensuring you find a plan that aligns with your specific health needs and covers necessary treatments and medications.
Medicare Planning: A Critical Part of Your Overall Retirement Plan
Written by Aaron Patten
Integrating Medicare into your overall retirement strategy can provide peace of mind in your golden years. Here's why Medicare planning is essential and how you can make the most of it.
Navigating Annual Enrollment Period Successfully
Written by Steve Wilson
Make the most of Medicare’s Annual Enrollment Period (AEP) with expert tips on choosing the right plan, avoiding common pitfalls, and securing the best coverage for your needs.
2025 Changes to Medicare Resulting from the Inflation Reduction Act
Written by Vincent Murray
The Inflation Reduction Act (IRA) is set to bring significant changes to Medicare benefits in 2025, particularly for those with prescription drug coverage. This article breaks down why these changes are happening, what they entail, and what steps you need to take to prepare for updates to your Medicare Advantage plan.
Avoid a Costly Surprise: Medicare's Limited Coverage for International Travel
Written by Jerry Cohen
Medicare doesn't cover most healthcare outside the U.S., which can leave travelers facing tens of thousands in unexpected medical bills. Learn what's covered, what isn't, and how Medigap and short-term travel medical plans can protect you abroad.
A Closer Look At Medicare Eligibility For Those Under 65 With Disabilities
Written by Brian Moore
If you’re under the age of 65 and have a disability, you may qualify for Medicare coverage. A qualifying disability is almost any health condition that prevents you from being able to work enough to access employer-sponsored health care benefits. Medicare was designed to cover adults over 65 and some people younger than 65 with disabilities that meet certain criteria.
2025 Medicare Open Enrollment Period: Key Dates and Changes to Know
Written by Kevin Truebenbach
Get prepared for the 2025 Medicare Open Enrollment. Learn how to compare plans, understand coverage changes, and make the best healthcare choices for the year ahead.
Simplifying Medicare: What Seniors Need to Know
Written by Tammi Lopez
This guide simplifies the most critical aspects of Medicare, offering personalized advice to help you choose the right plan, avoid common pitfalls, and stay informed about important changes.