Category Archives: Medicare

2020 Medicare Advantage Program launches NEW drastically improved plan benefits in Southern California

Medicare Advantage Program launches NEW 2020 plans with drastically improved benefits in Southern California. Enjoy a free ride, a warm meal, respite care, transportation, pest control, reduced co-pays and historically low out of pocket costs with new choices. In 2019, Medicare Advantage plans stepped up their coverage to include the delivery of meals, rides to […]

Can Employers Provide Medicare Premium Reimbursement for Active Employees?

Active employer coverage means you are still actively working, not retired. When an employer has fewer than 20 employees, Medicare is considered the primary insurance once you turn 65. Your employer coverage will be secondary, meaning it will only pay claims after Medicare has paid. If you don’t sign up for Medicare, your healthcare may […]

CMS Announces 2020 Medicare Part D Rate and Defined Benefit Coverage Parameters

Here are a few highlights of the defined standard Medicare Part D plan changes from 2019 to 2020. The CMS “Part D Benefit Parameters for Defined Standard Benefit” is the minimum allowable Medicare Part D plan coverage. However, CMS does allow Medicare Part D plans to offer a variation on the defined standard benefits (for […]

Does Medicare make sense for seniors with employer health coverage?

Does Medicare make sense for seniors with employer health coverage? Large Group health insurance premiums are calculated on risk factors: Size and the health of the group Current utilized prescription benefits Average age of the group Employer’s claims history Type of Occupation Cost management strategies like those listed below are common approaches, but it’s also […]

Medigap vs. Medicare Advantage: What’s the Difference?

Like any other federal program, Medicare is confusing. offers hundreds of pages of explanation but learning the basics can be like learning a new language at first glance! This article discusses Medigap vs. Medicare Advantage. Medicare has four basic parts: A, B, C, and D. Part A (Hospital Insurance) covers inpatient hospital stays, care […]

CMS finalizes Medicare Advantage, Part D payment policies: 4 things to know

CMS issued a final rule April 1 to update 2020 payment policies for Medicare Advantage and Part D prescription drug plans. The Centers for Medicare & Medicaid Services (CMS) finalized updates that will take significant steps in continuing the Trump administration’s efforts to increase competition among Medicare Advantage and Part D plans so patients get higher quality […]

Extra Help Basics

Extra Help federal program helps pay for some to most of the out-of-pocket costs of Medicare prescription drug coverage. It is also known as the Part D Low-Income Subsidy (LIS). Extra Help eligibility If your monthly income is up to $1,581 in 2019 ($2,134 for couples) and your assets are below specified limits, you may be eligible for Extra Help (see the Extra […]