Medigap Birthday Rule: Where it applies

What is the Medigap Birthday Rule? Are you an agent with Medicare clients in California or Oregon? If so, be sure you understand the birthday rule, a yearly opportunity to switch Medicare Supplement companies WITHOUT underwriting. Read the following questions

Medicare Plan J and non credible PDP Coverage

Are you sure you’re Medicare customers are covered by credible prescription drug coverage? If they are currently on a Plan J Medicare Supplement, then they may not be covered and could be racking up ongoing monthly penalties. Why is this?

Calculating PDP Late Enrollment Penalty

What is the Prescription Drug (PDP) Penalty? The late enrollment penalty is an amount added to Medicare Part D monthly premium. You may owe a late enrollment penalty if, for any continuous period of 63 days or more after your

CMS Proposed Changes to Medicare 2019

CMS is proposing changes to Medicare Costs for 2019. Make sure you are aware of these proposed changes so you can act accordingly. Here are some of the Proposals for the year 2019, as well as glance for 2018. CMS is

Helping Patients Fight Lung Cancer with Medicare

As a Medicare agent, you need to educate your clients on plan coverage. Did you know Medicare Part B covers smoking and tobacco use counseling?  Lets help our clients understand their benefits when choosing plans and stay up to date

Medicare Enrollment: The Value of Convenience

In addition to cost, coverage, and benefits, here are some other things that suggests patients consider. Be sure to keep these in mind when helping your clients compare Medicare options this year: Doctor and hospital choice Do your doctors