The Part D coverage gap – which requires beneficiaries to pay the full cost of their medications for a period – was already on track to close by 2020 thanks to the Affordable Care Act (ACA). The Bipartisan Budget Act of 2018 speeds up this process by a year. In 2019, beneficiaries who fall into the coverage gap will only pay 25 percent of the cost of their prescription drugs until they reach their annual out-of-pocket limit. Additionally, the resolution increases the percenta

I hope this message finds you well and you are having a great day. I read an article about a doctor that was a whistle blower for a few Medicare Fraud cases and it made me think about the Charlie Brown Christmas cartoon that was on when I was a child and probably still comes on today. There was a scene when the Peanuts gang was milling about talking about Christmas. They were giving Charlie Brown a hard time about his tree-side note I feel his pain when I am marketing and pe

Annual Enrollment Period is just around the corner. AEP is coming up fast; it starts October 15th and ends on Dec. 7th. For those of you that have been on Medicare for a while now, you know that this is the time when you go over your options for 2019 Part D plans and Medicare Advantage. For those on a Medigap plan, this does not affect you because you can switch Medigap policies anytime during the year. If you are currently on a Medicare Advantage policy but wish to switch ba

Good afternoon, I hope everyone had a great 4th of July. I spent the day with my family and ate too much food; it is a blessing and a curse being married to a country girl. They can definitely cook up a storm and I like to eat. A match made in heaven! We are not too far from the Annual Enrollment Period for Medicare. That is the time when you can switch your Medicare Advantage and Prescription plans for the following year; I have been hard at work getting appointed with all o

We talk to a lot of people that are getting near the time to enroll into Medicare and the question most ask is, “What should I do first?” The answer is simple: interview agents. If you find the right agent, then the right plan will follow. You need to treat it as if it were a job interview, because it is. This is one of the most important decisions you are going to make as you enter the golden years. Now, most of the people offering Medicare help will tell you that selecting