Medicare In A Nutshell

When you leave a job, COBRA seems like the obvious choice — keep your current coverage, no interruption, no new decisions. But if you're 65 or older, choosing COBRA over Medicare could be one of the most expensive mistakes you make. Here's why. coverage, no interruption, no new decisions. But if you're 65 or older, choosing COBRA over Medicare could be one of the most expensive mistakes you make. Here's what you need to know before you decide.

Medicare covers a lot — but it doesn't cover everything. And the gaps it leaves can be surprisingly expensive. Knowing what's not covered before you enroll is just as important as knowing what is. Here's what Medicare doesn't pay for and how to protect yourself.

One of the most important questions to ask before choosing a Medicare plan: will my current doctors still be covered? The answer depends on which type of plan you choose. Here's a step-by-step guide to verifying your providers before you enroll.

If your income is above a certain threshold, Medicare will charge you more for your Part B and Part D premiums. This extra charge is called IRMAA — and many people don't find out about it until their first Medicare bill arrives. Here's what it is, who it affects, and what you can do about it.

After years of guiding Houston families through Medicare, we've seen the same costly mistakes come up again and again. The good news: every single one of them is completely avoidable. Here are the five we see most often — and exactly how to make sure they don't happen to you.

It's the question we hear most at every Medicare workshop: Should I get a Supplement or an Advantage plan? Both are legitimate options — but they work very differently. Here's a plain-language comparison to help you decide which path is right for you.

When you turn 65, Medicare gives you a 7-month window to enroll. Miss it — and you could face a permanent penalty added to your premium for the rest of your life. Here's what the Initial Enrollment Period is, why it matters, and what to do before your window closes.

As the year ends, we turn our focus on our family, holidays, and the new year. But as the year comes to a close, we also start thinking...

Each month we get questions from people about solutions for Long Term Care (LTC). It's a good thing to be concerned with, as...

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We've heard horror stories from clients that have Medicare and a Medigap plan about getting large bills for services received from...

After the past snowstorm that most of Texas had to endure, CMS, the centers for Medicare and Medicaid Services has announced that they...

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With the vaccines becoming more and more available to the public, we would like to inform you more about how to help slow the spread of...

The 3-month window of OEP, Jan 1st until March 31st, is a time for people that may think they are stuck in the Advantage Plan that they...

I am sure you have heard of short and long, and no I don't mean the terms of measurement or during the backyard football games. I'm...

Fortunate over the years to be able to help thousands of people. Many of these clients are still employed. In fact, one of the original...