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Person offering pills to someone in bed; bedside table with a cup.
By Cynthia Macluskie Insurance March 11, 2026
Medicare extended Hospital-at-Home through Sept. 30, 2030 and telehealth flexibilities through Dec. 31, 2027. See what it means for patients.
Tax forms with a sticky note that says
By Cynthia Macluskie Insurance March 6, 2026
Learn how IRMAA affects your 2026 Medicare Part B and Part D premiums, 2024 income thresholds, tax strategies to reduce surcharges, and how to file an appeal if your income drops.
Man in hospital gown sits on bed, looking somber. Hospital room with medical equipment and clock.
By Cynthia Macluskie February 25, 2026
See how a High Deductible Health Plan works during a real medical crisis—and what one cancer scare cost out of pocket.
Dentist showing a device to a smiling patient in a dental office. The dentist wears a mask and gloves.
By Cynthia Macluskie February 18, 2026
Diabetes and oral health are closely linked. Learn how dental coverage can help protect your health, manage costs, and prevent complications.
Two medical professionals reviewing a clipboard with a patient in a hospital bed.
By Cynthia Macluskie February 11, 2026
Medicare hospital coverage has limits. Learn how Medigap plans help cover extended hospital stays and reduce out-of-pocket costs.
Doctor holding a red heart, smiling. Wearing a white coat and stethoscope.
By Cynthia Macluskie February 4, 2026
February is American Heart Month. Learn simple, preventive steps to support heart health and understand how insurance benefits can help.
Man sitting on a bed with his head in his hand, looking down, appearing to be in pain.
By Cynthia Macluskie January 30, 2026
Learn how to decide when cold or flu symptoms can be treated at home—and when to use telehealth, urgent care, or the ER—based on symptoms and coverage.
Woman in tan sweater looks intently at a folded paper. Interior setting, plant in background.
By Cynthia Macluskie January 23, 2026
Enrolled in a new ACA health plan? Learn when coverage starts and how to avoid gaps by checking ID cards, provider networks, prescriptions, and payments.
Elderly person fallen on rug with cane and glasses, near a tipped-over chair in a living room.
By Cynthia Macluskie January 16, 2026
Fall monitors help seniors stay safe and independent. Learn how fall detection devices work, why they matter, and how Medicare Advantage plans may help cover the cost.
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