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Medicare out-of-pocket costs

The Medicare program provides significant medical coverage for its millions of enrollees, but the out-of-pocket expenses that come with that coverage can be substantial. Medicare beneficiaries spent an average of $2,744 per person for health care services in 2010, according to a 2014 report by the Kaiser Family Foundation (KFF). Medicare out-of-pocket service costs can […]

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10 facts about Medicare

Medicare can be overwhelming, so it is important to start with the basics. Listed below are 10 facts you should know about Medicare. Fact 1: Medicare is for seniors and the disabled Medicare is a health insurance program for seniors and disabled individuals that is run by the federal government. To qualify for Medicare, you […]

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Choosing between Medigap Plan F and G

Medigap Plan G is a high-benefit plan that is commonly overlooked for the more-popular Plan F. However, Plan G is very similar to Plan F and may be cheaper in some cases. According to 2012 enrollment data, Plan F is 10 times more popular than Plan G even though the two provide nearly identical coverage. […]

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Can spouses share the same Medicare Supplement policy?

You cannot be on the same Medicare Supplement insurance policy as your husband or wife; you must have separate policies. However, you and your spouse may be able to get a discount if you both buy individual policies from the same insurance company. Individual coverage Medicare Supplement insurance is an individualized type of insurance. Unlike […]

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What are Medicare excess charges?

A Medicare excess charge is the cost difference between the Medicare-approved amount for a medical service and the amount your health care provider typically charges for that service. Medicare excess charges only occur if your doctor does not accept Medicare assignment. If your doctor accepts Medicare assignment, he or she must accept the Medicare-approved amount […]

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2015 Medicare costs

Medicare Part B premiums and deductibles in 2015 will remain the same as those in 2014, while Medicare Part A costs will change moderately, according to an announcement from the U.S. Department of Health & Human Services (HHS). The table below shows how Medicare out-of-pocket costs will change between 2014 and 2015. Medicare Costs 2014 […]

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Medigap brokers vs. Medigap agents

Medicare Supplement insurance brokers are often confused with Medicare Supplement insurance agents, but there are important differences between the two groups. A Medigap insurance agent usually represents a single insurance company, whereas a Medigap insurance broker generally represents the insurance customer. An agent usually can only sell policies for a specific insurance company, whereas a […]

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Does Medicare cover sleep apnea equipment?

Medicare covers sleep apnea equipment if you are diagnosed with the condition. According to, you are eligible for sleep apnea treatment options, but only if you are enrolled in Medicare Part B and have been diagnosed with obstructive sleep apnea. If you have been formally diagnosed with sleep apnea, you are likely eligible for […]

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2015 Open Enrollment & Medigap

The 2015 Medicare Open Enrollment Period (OEP) is fast approaching. During this time, you can make changes to your Medicare coverage, such as joining or leaving a Medicare Advantage Plan and/or Medicare Prescription Drug Plan. If you are at least 65 years old and already enrolled in Medicare Parts A & B (Original Medicare), you […]

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What is a guaranteed issue right?

A guaranteed issue right allows you to purchase a Medicare Supplement insurance policy from any company without regard to your health condition. You only have a guaranteed issue right in certain situations.

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