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Medicare & HSAs: What You Need to Know

Medicare & HSAs: What You Need to Know

If you have a health savings account (HSA) and you’re turning 65, beware. Although HSAs are often used for retirement savings purposes, Medicare enrollees cannot contribute to HSAs. Here’s what you need to know about enrolling in Medicare and using your HSA. HSAs –...

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How to Qualify for Medicare Low Income Subsidies

How to Qualify for Medicare Low Income Subsidies

Do you need some extra help? Low Income Subsidies (LIS), also called Extra Help, are available to help qualifying Medicare beneficiaries afford the costs of prescription drugs. To qualify for Extra Help, you need to meet the LIS resource limits. The LIS resource...

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How to Create a Medicare Drug List

How to Create a Medicare Drug List

It’s no secret that prescription drugs can get expensive. To ensure that you can afford your medicine, it’s important to pick the right insurance coverage for your unique needs. When comparing Medicare plans, you can do this by creating a drug list in the Medicare...

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How to Assess Medicare Part D Drug Plans

How to Assess Medicare Part D Drug Plans

As you know, prescription drugs are expensive.  If you're over 65 or you have a qualifying condition, however, you can get some help with that. Thanks to Medicare Part D, some of your medications may be paid for. Medicare Part D plans, like any other part of Medicare,...

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Can You Have Private Insurance and Medicare?

Can You Have Private Insurance and Medicare?

When you turn 65, you age into Medicare. For many people, this is fantastic news. Others, however, may have other coverage that they want to keep. This raises the question – can you have private insurance AND Medicare? In some cases, this is possible. Job-Based or...

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Learn Your Medicare ABCs

Learn Your Medicare ABCs

More than 60 million people are enrolled in Medicare. Despite the fact that nearly 20 percent of the U.S. population uses Medicare, there are a lot of misconceptions about it. To clear things up, it’s time to get schooled on the ABCs of Medicare and Medicare...

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What You Need to Know About Medicare Election Periods

What You Need to Know About Medicare Election Periods

Medicare beneficiaries have options. While this is a good thing, it can also lead to confusion. Selecting the right plan is a high-stakes decision. Adding to the pressure, beneficiaries can only make decisions during certain periods. To make the right decisions, they...

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Health Insurance for Retirees

Health Insurance for Retirees

Health care is one of the biggest expenses retirees face. According to the most recent estimates from Fidelity, the average couple will spend about $285,000 on health care during retirement. Given the high medical costs, it’s clear that selecting the right health...

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Low-Income Subsidies for Medicare

Low-Income Subsidies for Medicare

Medicare isn’t free. Although many Americans qualify for premium-free Medicare Part A, they still have to pay premiums for the other parts of Medicare, as well as deductibles and copays. All of these out-of-pockets can add up, sometimes with disastrous effects....

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Medicare Part D: Understanding Prescription Drug Coverage

Medicare Part D: Understanding Prescription Drug Coverage

Many Americans are struggling to pay for their medications. According to the Organization for Economic Cooperation and Development, the average American spends about $1,200 on prescriptions each year. For seniors, who often take multiple prescriptions while living on...

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