"This will depend on what prescriptions you take. First the new rule has made it so know one will pay more than 2,000 in prescription cost in 2025 as long as your prescription are on your plans formulary and in 2026 it will be a maximum of 2,100 for the calendar year."

"Currently none of them are covered specifically for weight loss alone. However the Bridge program will be starting in July and this will open up GLP-1 drugs to consumers who qualify based on health and BMI (body mass index). This will allow certain consumers to receive GLP-1 drugs like Ozempic specifically for weight loss for only $50 per month without any deductible."

"A lot of people think that once their Medicare Supplement Open Enrollment Period ends, they've missed their chance forever to get a Medigap plan without health questions. Thankfully, that's not always true. The reality is that guaranteed issue rights can still become available later on in certain situations. For example, if you lose employer coverage, move out of your Medicare Advantage plan's service area, your plan terminates, or you qualify for a Medicare Advantage trial right, you may still be able to enroll in a Medicare Supplement plan without medical underwriting. Some states, like New York, even offer additional consumer protections that make switching Medigap plans easier year-round."

"Honestly, what I love most about this business is pretty simple — I get to help people every single day who genuinely need help. A lot of people coming into Medicare are overwhelmed. They're confused, stressed out, and not really sure who to trust. What I've learned over the years is that most people aren't really looking for a salesperson. They're looking for someone they can trust. Someone local. Someone who's going to slow things down, explain things clearly, answer the phone when they call, and actually care about helping them make the right decision."

"The honest answer is yes and no — and anyone who tells you otherwise isn't giving you the full picture. Whether a Medicare Advantage plan saves you money depends on a lot of factors. Where you live. What plans are available in your area. What kind of health you're in. We've looked at this over ten-year spans and the numbers tell an interesting story. For most consumers, the combined cost of a Medigap plan, a standalone Part D drug plan, and a dental plan is significantly higher than what you'd pay with a well-chosen Medicare Advantage plan that bundles all of that together."

"The biggest coverage gap is Network restrictions. Most Plans do not have large provider networks and HMO's do not allow out of network services unless emergency situation. Many people think PPO plans are the answer and sometimes they are. However more and more PPO plans have poor out of network coverage. For example a plan may allow you to go out of network to see a doctor and instead of a copay you have a coinsurance. This has become more and more common and the coinsurance has gotten higher and higher over the years."

"When you are staying over night in the hospital and classified as under observation you are billed and treated as an out patient client. This means you will be billed under original Medicare 20% of the cost after you have met your Part B deductible. Typically this will not last longer than 48 hours. In patient stays will obviously get billed under Part A and you will pay your Hospital deductible which will cover you for days 1-60 for the stay."

"There are a couple of differences between these two plans. Plan G is the more comprehensive plan and typically more expensive. Plan G has very minimal out of pocket — you simply pay your monthly premium and the Medicare part B deductible and then you will be 100% covered for all Part A&B covered services. Plan N still covers 100% of Part A deductible and you still have to pay the Part B deductible each year and once you do Plan N allows a maximum of $20 at a doctors office & a $50 copay at the emergency room. Lastly Plan N does not cover provider excess charges."

"The short answer here is NO. Medicare does not help cover assisted living. This generally falls under Long term care insurance or Medicaid and of course self pay."

"Yes, that is exactly what a Medicare supplement is. It is also known as Medigap coverage as well. Medicare Supplement, secondary insurance, Medigap — all three are essentially the same thing in the Medicare world."

"Getting a Medicare supplement plan G which is typically our most comprehensive plan offered these days can certainly be the right move for many individuals. These plans provide excellent flexibility, cost predictability & peace of mind."

"Turning 65 while self-employed is actually one of the cleaner Medicare transitions. You have a 7-month window centered around your birthday to enroll. Miss it, and you could face lifetime penalties on your Part B premium. You'll choose between two paths: Original Medicare paired with a Medigap supplement gives you predictable costs and the freedom to see virtually any doctor. Medicare Advantage typically has lower premiums but comes with network restrictions. Don't skip Part D — even if you're on zero medications today, enrolling in drug coverage when you're first eligible protects you from a penalty that follows you for life."

"If you're new to Medicare or currently enrolled, working with an independent Medicare agent is one of the smartest decisions you can make. As an independent agent, I walk my clients through the enrollment process step by step, help them compare every option without any pressure, and stay by their side long after they've enrolled. I'm not tied to any single insurance company — which means my only priority is finding what's right for you. And here's something most people don't realize: working with me costs you absolutely nothing. My compensation comes from the insurance carriers."