Everyone talks about the “extras” — but do they really help you? Every fall, when Medicare Advantage plan updates come out, people focus on the shiny extras — grocery cards, dental coverage, gym memberships, even help paying for utilities. It all sounds great on...

Here’s a question most people don’t know to ask until it’s too late: “Why did my Medicare premiums suddenly go up hundreds of dollars?” You didn’t change your plan, you didn’t make a mistake—yet your bill jumped. The culprit might be a little-known rule called...

You’re not imagining it. The 2026 Medicare changes feel bigger. Every fall, people tell me the same thing: “I just got my plan notice and I have no idea what any of this means.” If that’s you, you’re not alone. Medicare plans change every year — sometimes a little,...

Let’s cut to it: Will a giveback plan actually save you money—or take it back somewhere else? If you’re seeing “lower your Part B cost” ads, that sounds great. But the real question is: What happens to your doctors, your drug costs, your network, and your...

Thinking about switching back to Medigap? You’re not alone. Every year, I talk to people who say the same thing: “I thought Medicare Advantage would save me money — but now I’m not so sure.” Maybe your out-of-pocket costs are adding up, or you’re tired of network...

When your Medicare plan ends, you’re not stuck. Imagine checking your mail in October and seeing a letter that says your Medicare plan won’t be offered next year. It’s confusing, stressful, and your first thought might be: “Am I losing my coverage?” The good news is —...

Every fall, people start seeing stars — literally. “My plan has 5 stars!” “This one only has 3.5!” But most folks aren’t exactly sure what those Medicare Star Ratings actually tell them. If you’ve ever wondered whether you should pick a plan just because it has more...

Let’s get to what you actually care about: Is someone trying to hijack your Medicare, your money, or your identity? During AEP the noise gets loud—calls, texts, door-knocks—and scammers hide inside that chaos. This guide shows you the exact playbook they’re using for...

The “extras” everyone talks about are changing again. Every fall, people ask me the same question: “Are they adding more benefits this year?” The short answer: some are, some aren’t. In 2026, Medicare Advantage (MA) plans are shuffling the deck again — tweaking...

Every Year, Millions of People Get This Wrong. Let’s be honest — Medicare’s Annual Enrollment Period (AEP) can feel like a chore. The ads start flying, your mailbox fills up, and suddenly everyone’s talking about “reviewing your coverage.” But here’s the thing: this...

You care about one thing: “Am I going to pay more next year?” Maybe your premium looks the same and you got a “nothing’s changing” letter. Reality check: costs often move somewhere else—in your out-of-pocket limit, drug tiers, specialist visits, extras, or networks....

If you’ve ever said, “I picked a plan with a $0 premium, so I’m covered,” you’re not alone — but you’re not exactly right, either. The truth is, your premium is just one piece of the puzzle. What really matters when something major happens — a hospital stay, surgery,...

The Annual Enrollment Period (AEP) is your once-a-year chance to review your Medicare coverage and make it work for you. Will your doctor still be in-network next year? Will your medications cost more? If you skip the review, you could wake up to surprises. Here’s how...

If you’re wondering, “Will my plan change next year? Will my doctors stay in-network? Am I going to pay more?” — you’re not alone. AEP is noisy on purpose. Mailers, commercials, and phone calls all say “switch now.” Truth: most people don’t need to switch. Also true:...

Don’t wait until it’s too late to review your Medicare plan – and this Medicare plan checklist will help you out. Every year, people tell me the same thing: “I meant to look at my plan earlier.” Then it’s mid-November, call centers are jammed, and they’re stuck...