When it comes to Medicare, people find themselves deciding between two main approaches: Medicare Supplement (Medigap) with a Stand-Alone Prescription Drug Plan   or  Medicare Advantage Both provide solid coverage, but they appeal to people differently when it comes to costs, flexibility, and how healthcare is used.   A Little Bit Supplement  Medicare Supplement plans help cover many of the deductibles, copays, and coinsurance of Original Medicare.  Many people like this option because it...

Trying to keep up with Medicare information can feel like a full-time job — and the conveyor belt never stops!  If you're turning 65 or already enrolled in Medicare, chances are your mailbox has become a war zone. Postcards, booklets, flyers… oh my! Add in the non-stop TV ads, robocalls, and maybe even a neighbor who insists their plan is the best, and it’s no wonder some people feel overwhelmed.  Here’s the truth: Medicare is complicated, but you don’t have to figure it out alone.  Let’s...

More adults today are continuing their careers well past traditional retirement age of 65.  Some continue working by choice, for some it’s necessary, others often simply enjoy staying active and engaged.  A large number are waiting for full retirement age of their Social Security Benefits, which is now age 67.  If you’re still working and covered by an employer health plan when you turn 65, does Medicare automatically replace your current insurance?  The answer is: not always. Understanding...