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Medicare plan Annual Notice of Change: What to look for

Medicare plan Annual Notice of Change: What to look for

Over the next few months, you’re probably going to receive a lot of information about Medicare. It’s all meant to help you understand your coverage choices and make informed decisions during the Medicare Annual Enrollment Period (Oct. 15 – Dec. 7). There is one piece...

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What are Medicare Part B Excess Charges?

What are Medicare Part B Excess Charges?

If you’ve been shopping for Medigap plans, you may have discovered that a couple of them (Plan G and Plan F) cover something called “Part B Excess Charges.” If you’re not sure what excess charges are, you’re not alone. Fortunately, they’re a rather rare occurrence for...

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I turn 65 in a few months. When should I sign up for Medicare?

I turn 65 in a few months. When should I sign up for Medicare?

You are eligible for Medicare at age 65, but you may not need to sign up then. The best time to enroll in Medicare depends on whether you or your spouse is still working and you have health insurance from that employer. If you make the wrong decision, you could end up...

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Where can I find answers to my Medicare questions?

Where can I find answers to my Medicare questions?

Medicare can be complicated, but several great resources can help you get answers to your Medicare questions — whether you want to know more about costs, coverage, eligibility, enrollment or how to choose supplemental policies. 1. Centers for Medicare & Medicaid...

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Strengthening Behavioral Health Care for People with Medicare

Strengthening Behavioral Health Care for People with Medicare

COVID-19 has exacerbated the nation’s struggle with mental health and substance use disorders (collectively called “behavioral health conditions”), fueling a full-blown crisis. For some Americans during the pandemic, this has meant feeling depressed and hopeless,...

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Medicare Advantage Plans Increasingly Popular

Medicare Advantage Plans Increasingly Popular

​Extra benefits attracting enrollees, but experts say plans can deliver better on their promises As Medicare Advantage plans approach their 25th birthday — the law that created the current system allowing private health care providers to offer a one-stop-shop...

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Medicare Savings Programs Can Save Enrollees Thousands

Medicare Savings Programs Can Save Enrollees Thousands

When Kristen Tyler was caring for her father, she didn’t know that the federal government had programs that could help her dad afford the thousands of dollars his health care and medications cost. Now Tyler is helping others learn about the Medicare Savings Programs...

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Medicare & Coronavirus

Medicare & Coronavirus

Get a COVID-19 vaccine as soon as you can. Medicare covers the COVID-19 vaccine at no cost to you. Medicare covers the vaccine for anyone who has Medicare due to their age, a disability, End-Stage Renal Disease (ESRD), or ALS (also called Lou Gehrig’s disease). Be...

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How do I create an online Medicare account?

How do I create an online Medicare account?

Signing up for an online Medicare account, previously called a MyMedicare account, can help you manage your Medicare information electronically. An online account is a great resource for getting personalized information about your Medicare coverage, claims and costs....

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Can my spouse get Medicare at age 63?

Can my spouse get Medicare at age 63?

You may be 65 years old and ready to enroll in Medicare, but unless your spouse has a disabling medical condition, your mate won’t qualify until age 65. That’s because Medicare doesn’t operate like health insurance that you may have through your employer. It’s not a...

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Medicare, Medicaid and Long-Term Care

Medicare, Medicaid and Long-Term Care

What the programs cover, and what they don’t What role does the federal government play in assisting Americans in need of long-term care? The answers, which lie primarily within two programs — Medicare and Medicaid — may surprise you. Here is a breakdown of the...

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Does Medicare cover prescription drugs?

Does Medicare cover prescription drugs?

No, Medicare doesn’t automatically cover prescription drugs you get at a pharmacy, but you can buy a Medicare Part D plan from a private insurer to help cover those expenses. You can either get a stand-alone Part D plan or purchase a Medicare Advantage plan that...

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What are the costs for Medicare Part A?

What are the costs for Medicare Part A?

 Medicare Part A helps pay for inpatient stays in hospitals and skilled nursing facilities, some home health services and end-of-life hospice care. Even though most people don’t pay premiums for Medicare Part A, the coverage still has other out-of-pocket costs: A...

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What Is Medicare?

What Is Medicare?

How the federal insurance program helps older Americans afford the health care vital to their well-being What is Medicare? For more than 55 years, it's been the program that older Americans and people with disabilities turn to for their health care coverage. In 2022,...

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8 Things Medicare Doesn’t Cover

8 Things Medicare Doesn’t Cover

You’ll need to plan ahead to pay for some common medical expenses Medicare covers the majority of older Americans’ health care needs, from hospital care and doctor visits to lab tests and prescription drugs. Here are some needs that aren’t a part of the program — and...

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Medicare Updates for 2022 — What You Should Know

Medicare Updates for 2022 — What You Should Know

If you are at least 65 and aren’t covered by an employer health insurance plan, then you will probably need to enroll in Medicare. Every year, there are copays, deductibles, and premiums to be paid. These numbers usually rise slightly each year, so you don’t have to...

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Biggest Medicare Changes for 2022

Biggest Medicare Changes for 2022

Look for higher premiums and deductibles in the new year, but also more help with insulin, mental health The biggest change Medicare's nearly 64 million beneficiaries will see in the new year is higher premiums and deductibles for the medical care they'll receive...

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Medicare Part D – Plans with Prescription Drug Coverage

Medicare Part D – Plans with Prescription Drug Coverage

Wondering about Medicare Part D plans? Medicare beneficiaries across the nation have the option of enrolling in Medicare Part D to get help with their prescription drug costs. Plans offered under Medicare Part D are available in two ways. If you have Original Medicare...

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Reporting Medicare fraud & abuse

Reporting Medicare fraud & abuse

Medicare fraud and abuse  can happen anywhere, and usually results in higher health care costs and taxes for everyone. Some examples include: A provider that bills Medicare for services or supplies they never gave you, like charging you for a visit you never had, or a...

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What is the Medicare Part B Premium for 2022

What is the Medicare Part B Premium for 2022

The standard Part B premium amount is $170.10 for 2022. Those in a higher income bracket could pay as much as $578.30 a month for Part B. Below, we’ll go over the standard Part B premium, the premium surcharge, how to pay your premium, and how to get help paying the...

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The parts of Medicare (A, B, C, D)

The parts of Medicare (A, B, C, D)

Short answer There are four parts of Medicare: Part A, Part B, Part C, and Part D. Part A provides inpatient/hospital coverage. Part B provides outpatient/medical coverage. Part C offers an alternate way to receive your Medicare benefits (see below for more...

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Medicare Advantage and Medicare Part D 2022 Final Rule

Medicare Advantage and Medicare Part D 2022 Final Rule

On January 19, 2021, the Centers for Medicare & Medicaid Services (CMS) published a final rule (Final Rule) that codifies certain provisions proposed by the agency in a February 18, 2020 proposed rule (Proposed Rule). CMS issued a separate final rule on June 1,...

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How to get $148 back from Medicare

How to get $148 back from Medicare

Around 40% of Medicare Advantage plans have no monthly premium, but did you know some plans actually reduce your Part B premium? The Medicare giveback benefit, or Part B premium reduction plan, is becoming more available and popular among beneficiaries. Though not an...

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New Medicare Changes for 2022

New Medicare Changes for 2022

Every year, changes come to Medicare. In 2022, Medicare has several new benefits and adjustments to speak of. As a beneficiary, it’s important to keep up with these developments. Below, we’ll provide the information you need to know about how Medicare is different...

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The parts of Medicare (A, B, C, D)

The parts of Medicare (A, B, C, D)

Short answer There are four parts of Medicare: Part A, Part B, Part C, and Part D. Part A provides inpatient/hospital coverage. Part B provides outpatient/medical coverage. Part C offers an alternate way to receive your Medicare benefits (see below for more...

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Medicare Advantage Poised To Take Off In 2022

Medicare Advantage Poised To Take Off In 2022

Look for even more seniors to flock to Medicare Advantage in 2022 as the Biden administration, health insurers and investors bolster this privatized form of health coverage for those 65 and older. Already, established health insurers including UnitedHealth Group’s...

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How the Medicare Part D donut hole works

How the Medicare Part D donut hole works

Medicare Part D and the donut hole By Karen Lewis-Smith Regional Director, Government Programs, Kaiser Foundation Health Plan of Washington "Donut hole" brings to mind a sweet morning treat, which couldn't be further from its meaning in the Medicare world. As a...

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Here’s what to know about your 2022 Medicare costs

Here’s what to know about your 2022 Medicare costs

KEY POINTS Cost adjustments can affect premiums, deductibles and other cost-sharing aspects of Medicare. Beneficiaries who have limited income might qualify for Medicaid or other programs that reduce out-of-pocket costs,  while higher-income beneficiaries pay more for...

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Biggest Medicare Changes for 2022

Biggest Medicare Changes for 2022

Look for higher premiums and deductibles in the new year, but also more help with insulin, mental health The biggest change Medicare's nearly 64 million beneficiaries will see in the new year is higher premiums and deductibles for the medical care they'll receive...

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What Will Medicare Cost in 2022?

What Will Medicare Cost in 2022?

Every year Medicare costs can change. Costs for the upcoming year are announced in the late fall, and the new costs go into effect January 1. For 2022, Medicare did increase costs for both Medicare Part A and Medicare Part B.  What is the Medicare Part B Premium for...

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Concerned about your blood pressure? Medicare can help.

Concerned about your blood pressure? Medicare can help.

It’s difficult to detect high blood pressure. High blood pressure (also called “hypertension”) usually doesn’t have any warning signs until it causes more serious health issues, like heart attack and heart disease, stroke, eye damage, kidney disease, and vascular...

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Be a “wise guy”— know the importance of health screenings

Be a “wise guy”— know the importance of health screenings

Are you a guy who puts off doing a task and later wishes he’d just done it? Take care of your body. If you’re a man with Medicare, ask your doctor if you should get tested for prostate cancer, colorectal cancer, or both. Getting screened is the smart move—screening...

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CMS Announces 2022 Medicare Part B Premiums

CMS Announces 2022 Medicare Part B Premiums

Today, the Centers for Medicare & Medicaid Services (CMS) released the 2022 Medicare Parts A and B premiums, deductibles, and coinsurance amounts, and the 2022 Part D income-related monthly adjustment amounts. Most people with Medicare will see a 5.9 percent...

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Medicare Advantage vs. Medicare Supplement Insurance Plans

Medicare Advantage vs. Medicare Supplement Insurance Plans

Are you trying to decide between Medicare Advantage vs. Medicare Supplement insurance? Here’s a rundown of the two types of coverage. While Original Medicare (Part A and Part B) covers many health-care expenses, it doesn’t cover everything. Even with covered...

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Make your next Medicare premium payment online

Make your next Medicare premium payment online

Spend less time paying your bills—pay your Medicare Part B premium online. If you get this bill from Medicare for your premiums, you may be able to pay it online with a credit or debit card. Making your Medicare premium payment online is: Secure—your information is...

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Medicare Fall Open Enrollment 2022

Medicare Fall Open Enrollment 2022

The Medicare Fall Open Enrollment 2022 season is here and that means your mailbox gets bombarded with advertisements. What a headache, hey? Every time you turn on the television you hear another commercial about Medicare plans. It is by far the most confusing time of...

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It’s time to shop & compare plans for 2022

It’s time to shop & compare plans for 2022

Medicare’s Open Enrollment is now – December 7. Review your Medicare health and drug coverage and compare it with other plans that may better meet your needs. During Open Enrollment, you can make these changes for your 2022 coverage: Change how you get your Medicare...

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Act fast! Review your Medicare plan by December 7.

Act fast! Review your Medicare plan by December 7.

Medicare Open Enrollment is almost over. If you’re thinking about changing your Medicare plan, you have until December 7 to take these actions: Change how you get your Medicare coverage—Original Medicare or a Medicare Advantage Plan Switch Medicare Advantage Plans...

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What is Medicare – Essential Medicare Facts You Should Know

What is Medicare – Essential Medicare Facts You Should Know

Do you know the difference between the “parts” of Medicare — Part A, Part B, Part C, and Part D? There are many important facts you need to understand about Medicare prior to enrolling to make sure you get the most out the available Medicare plans and benefits. Facts...

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Signs of ovarian cancer: Know how to spot symptoms early

Signs of ovarian cancer: Know how to spot symptoms early

All women are at risk for ovarian cancer, but the greatest number of ovarian cancers happen in women 60 years or older. For women in the United States, ovarian cancer causes more deaths than any other cancer of the female reproductive system, and it is the fifth...

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Boost your protection from COVID-19

Boost your protection from COVID-19

If you got the Pfizer vaccine, get ready to help increase your protection with a COVID-19 vaccine booster shot. Medicare covers a Pfizer COVID-19 vaccine booster shot at no cost to you if you’re 65 and older OR for certain people at high risk, at least 6 months after...

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Smoke-free is the way to be

Smoke-free is the way to be

Every year, more people die from lung cancer than any other type of cancer, and smoking is the leading cause. In addition to lung cancer, smoking can cause other health problems, like heart disease and respiratory diseases. More than 34 million people in the U.S....

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Get peace of mind with your Medicare coverage

Get peace of mind with your Medicare coverage

Having health coverage that meets your needs can help keep you healthy and give you peace of mind. Medicare Part A (Hospital Insurance) and Part B (Medical Insurance) help cover many necessary items and services, like preventive services and surgical procedures. But,...

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Get ready! Medicare’s Open Enrollment starts October 15.

Get ready! Medicare’s Open Enrollment starts October 15.

You can enroll in Medicare health and drug plans from October 15 – December 7. Get ready for Medicare’s Open Enrollment with these 5 tips: Check your mail. You may get important notices from Medicare or Social Security. If you’re in a Medicare plan, you’ll get...

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Catch early signs of Alzheimer’s disease and take action!

Catch early signs of Alzheimer’s disease and take action!

There are more than 5 million Americans living with Alzheimer’s. Alzheimer’s disease is a progressive, irreversible brain disorder that slowly destroys memory and thinking skills. Take action against early Alzheimer’s by visiting your doctor each year to catch...

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Guard your card: How to protect your Medicare card

Guard your card: How to protect your Medicare card

Protect yourself by protecting your Medicare card! The next Medicare Open Enrollment Period (October 15 – December 7) is coming fast, which means con artists may try to steal your identity and commit Medicare fraud. Medicare has taken actions to make Medicare cards...

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Navigating Medicare Eligibility

Navigating Medicare Eligibility

The day you turn 65 is one of the most important milestones in terms of your health. Sure, it’s not as exciting as the day you became eligible for a driver’s license, but 65 does mean a new kind of eligibility: Medicare! Baby boomers are reaching this milestone at a...

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3 ways to save on Medicare costs

3 ways to save on Medicare costs

Everyone likes to save money. We can help. You may be able to get help paying for your health and prescription drug costs. If you aren’t sure if you’re eligible, it’s worth learning more about these 3 ways to save on Medicare costs: ​Extra Help: If you have limited...

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What Will Long-Term Care Cost You?

What Will Long-Term Care Cost You?

Most people over 65 will eventually need some form of paid care. Here are some ways to plan ahead. Many people are frightened of long-term care costs — for good reason. Most people over 65 eventually will need help with daily living tasks, such as bathing, eating or...

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Give your heart some love: prevent heart disease

Give your heart some love: prevent heart disease

While you’re celebrating with loved ones this Valentine’s Day, don’t forget your heart needs some love, too. Heart disease is the leading cause of death in the United States for both men and women, taking about 647,000 lives each year. You might not be able to avoid...

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Prevention is key—protect yourself with vaccines

Prevention is key—protect yourself with vaccines

More than 79% of people 65 and over are fully vaccinated for COVID-19—but are you defending yourself from other life-threatening illnesses, like pneumonia and the flu? Getting vaccinated is a simple, safe, and effective way to protect yourself. According to the CDC,...

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Get help with Medicare costs

Get help with Medicare costs

If you have Medicare and you’re facing challenges paying for health care, you may qualify for Medicare programs that can help you save money on drug and medical costs. Medicaid If you have limited income and resources, you may qualify for Medicaid—a joint federal and...

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Find care providers near you

Find care providers near you

Medicare.gov makes it easy to find and compare nearby health care providers, like hospitals, home health agencies, doctors, nursing homes and other health care services that accept Medicare. All in one place on Medicare.gov, you can: See how patients rate their care...

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Understand your Medicare coverage choices

Understand your Medicare coverage choices

You have options when it comes to how you get your Medicare coverage. The 2 main ways are Original Medicare or Medicare Advantage. When choosing which coverage is right for you, consider: Cost Original Medicare: You pay a monthly Part B premium, and any copayments,...

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Prevent Medicare fraud — become an informed Medicare consumer

Prevent Medicare fraud — become an informed Medicare consumer

Each day, you make important choices about your finances, health, privacy, and more. It's National Consumer Protection Week (NCPW), a time that non-profit organizations and government agencies can help you protect yourself and prevent fraud by taking advantage of your...

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Are you new to Medicare?

Are you new to Medicare?

If you’re just getting started with Medicare or are in your first year, we have the information you need to help you understand your health care options and get the coverage that best fits your situation. Visit Medicare.gov to get answers to questions like: What are...

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Are you new to Medicare?

Are you new to Medicare?

If you’re just getting started with Medicare or are in your first year, we have the information you need to help you understand your health care options and get the coverage that best fits your situation. Visit Medicare.gov to get answers to questions like: What are...

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Don’t wait: Medicare Advantage Open Enrollment ends March 31

Don’t wait: Medicare Advantage Open Enrollment ends March 31

Did you know that if you’re unhappy with your Medicare Advantage Plan (Medicare Part C), you have options? Each year, there’s a Medicare Advantage Open Enrollment Period from January 1 – March 31. During this time, if you’re in a Medicare Advantage Plan and want to...

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Insurance covers risk of fire. absence of fire insurance

Insurance covers risk of fire. absence of fire insurance

Serving the interests of our clients. Personalized support and relationships matter to us. Because we are owned by banks, we are empowered to deliver top-notch support and services able to add on additional cover to protect your valuable items. It is a long...

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Ambulance COVERS OF FIRE on INSURANCE Serving

Ambulance COVERS OF FIRE on INSURANCE Serving

Serving the interests of our clients. Personalized support and relationships matter to us. Because we are owned by banks, we are empowered to deliver top-notch support and services able to add on additional cover to protect your valuable items. It is a long...

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Erving the interests of our clients able to add on

Erving the interests of our clients able to add on

Serving the interests of our clients. Personalized support and relationships matter to us. Because we are owned by banks, we are empowered to deliver top-notch support and services able to add on additional cover to protect your valuable items. It is a long...

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Medicare enrollment periods: when to sign up

Medicare enrollment periods: when to sign up

When to join a Medicare Advantage Plan or Medicare Prescription Drug Plan It’s important for you to know when to sign up for Medicare or when to join a Medicare plan. Remember these times so you get the most out of your Medicare and avoid late enrollment penalties:...

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Do you owe a Medicare Part B Penalty?

Do you owe a Medicare Part B Penalty?

Part B late enrollment penalty If you didn’t get Part B when you’re first eligible, your monthly premium may go up 10% for each 12-month period you could’ve had Part B, but didn’t sign up. In most cases, you’ll have to pay this penalty each time you pay your premiums,...

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5 Healthy Aging Tips Every Woman Should Know

5 Healthy Aging Tips Every Woman Should Know

By: Legacy Health Solutions Team Women are often the first line of defense when protecting their family’s health, but in doing so tend to put their concerns on the back burner. These quick tips can help keep you happy and healthy as you juggle your everyday...

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Have any Question? Ask us anything, we’d love to answer!

Medicare Made Easy, Medicare Made Simple.

 

 

If you feel like you have been spinning your wheels wondering how to make the best decision when it comes to your Medicare plan, you are in the right place. The good news is, you don’t have to do this alone. We are in the business of helping people understand Medicare, in simple, plain terms that everyone can understand. We believe it’s important that your first understand Medicare itself. You can’t understand your Medicare options until you first understand basic Medicare benefits. Fortunately, we’ve mastered how to make it simple.

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