Blog

Stack of cream-colored envelopes, slightly fanned out, viewed from above.
By Cynthia Macluskie September 26, 2025
Get your Medicare Advantage Annual Notice of Change (ANOC) and learn what to look for. Use this guide to understand your plan's changes and make informed choices for next year's coverage.
Smiling older man on a phone call and using a laptop outdoors.
By Cynthia Macluskie September 22, 2025
The Medicare Annual Enrollment Period (AEP) is coming. Learn what AEP is, key dates for 2026, and how to prepare now to ensure your Medicare plan fits your health and financial needs.
Envelope with
By Cynthia Macluskie September 17, 2025
If you're enrolled in a Medicare Advantage plan and your doctor recommends a treatment or prescription, it can be frustrating — and even alarming — to learn that your plan has denied it. Unfortunately, this scenario is becoming more common. Medicare Advantage plans are increasingly using prior authorization as a cost-control tool. While this process is designed to ensure care is medically necessary, it can also create delays, confusion, and unnecessary stress. Here’s what you need to know — and what steps to take if your care is denied.
Elderly couple at computer, man pointing, woman using mouse. Indoor, sunny, light colors.
By Cynthia Macluskie September 12, 2025
Avoid common mistakes during Medicare's Annual Enrollment Period. Learn what to look for and how to ensure you have the right coverage for 2025.
By Cynthia Macluskie September 5, 2025
Prepare for ACA Open Enrollment (OEP). Review your plan, update your information, and watch for your ANOC to get the best coverage for 2026.
Man checking glucose levels, sitting at a white table. Light-colored clothing. Beige walls, water bottle.
By Cynthia Macluskie August 29, 2025
The One Big Beautiful Bill Act is changing the ACA. Learn how these legislative updates could affect premium subsidies, enrollment, and Medicaid.
Dentist showing a smiling older woman her teeth in a mirror at a dental office.
By Cynthia Macluskie August 22, 2025
Original Medicare doesn't cover routine dental care. Learn how to get coverage through Medicare Advantage, stand-alone plans, or dental discount programs.
Three people collaborate at a bright office table with laptops and papers, large windows overlooking a garden.
By Cynthia Macluskie August 15, 2025
With the new One Big Beautiful Bill Act, HSAs are changing in 2026. Learn how expanded eligibility and telehealth permanence affect employer benefits.
A man and a woman are sitting at a table looking at papers.
By Cynthia Macluskie July 30, 2025
If you're enrolled in Medicare—or planning to be—you may have heard of something called IRMAA . No, it's not a new type of Medicare plan. It stands for Income-Related Monthly Adjustment Amount , and it can significantly impact what you pay each month for your Medicare Part B and Part D coverage.  Let’s break down what IRMAA is, who it affects, and how to plan for it.
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