What’s new for beneficiaries: Improved protections on coverage decisions — Medicare Advantage (MA) and Part D plans must generally honor approved prior authorization decisions for the duration of the approved course of treatment, reducing the risk that beneficiaries lose coverage…
As we approach the new plan year, it’s important to know that Medicare Advantage plans and prescription drug coverage change every year. Premiums, co-pays, deductibles, provider networks, and even prescription coverage can shift in ways that directly affect your healthcare…
The 2026 Standard Medicare Part D Prescription Drug Benefit has just been released, and I wanted to share a quick breakdown to help you understand the upcoming changes. ____________________________________________________________________________________________________________________________________________________ 🗓️ Effective January 1, 2026 Drug plan stages: Your cost share…
Did you know that you can request a US representative when calling customer service with your Medicare plan? When an offshore customer service rep answers your phone call, simply ask for a US Stateside Representative. If they try to delay…
Medical misdiagnosis is a silent epidemic, affecting millions of people each year. Studies suggest that misdiagnosis contributes to nearly 800,000 deaths annually, making it one of the leading causes of preventable harm in healthcare. A misdiagnosis can lead to delayed…
A major health event is often an unfamiliar experience and navigating skilled nursing care can be one of the more challenging aspects. Skilled nursing care provides essential support for recovery before returning home, normally in the treatment of physical, speech,…
If you believe you’re being discharged too soon, you have the right to file an appeal. Upon admission, you should have received an “Important Message from Medicare” explaining this right. If your stay exceeds three days, you’ll receive another copy…
Medicare is a federal health insurance program in the United States that primarily covers individuals aged 65 and older, as well as certain younger individuals with disabilities or specific medical conditions. Medicare is divided into different parts, and each part…
There are three levels of care: Custodial or Long-Term-Care, Intermediate Care, and Skilled Care…Medicare does not cover Long-Term-Care, or Intermediate Care, only skilled care. In an era where life expectancy is on the rise and medical advancements continue to enhance…
Yes, it is possible to do a 1035 exchange from a life insurance policy to an annuity. A 1035 exchange refers to a provision in the U.S. tax code that allows for the tax-free transfer of funds or assets from…