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Medicare, explained plainly.

Enrollment windows, plan changes, costs, and everything in between. Written by licensed Advocates who do this every day.

August 7, 2026·4 min read

Does Medicare Cover Vision? Eye Exams, Glasses, and Cataract Surgery

Original Medicare does not cover routine eye exams or glasses, but it does cover some medical eye care, and many Medicare Advantage plans add routine vision. Here is what is covered.

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Forrest KleinLicensed Insurance Agent
August 7, 2026·4 min read

How to Appeal IRMAA With Form SSA-44 (2026)

If a life-changing event lowered your income, Form SSA-44 lets you appeal your Medicare IRMAA surcharge. See who qualifies, how to file, and what proof to attach.

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Forrest KleinLicensed Insurance Agent
August 7, 2026·4 min read

How to Switch Your Medicare Plan: Changing Medicare Advantage or Part D

How to switch or change your Medicare Advantage or Part D plan: when you can do it, the steps to enroll, what happens to your old plan, and whether it costs anything.

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Forrest KleinLicensed Insurance Agent
August 7, 2026·4 min read

2026 IRMAA Brackets: Medicare Part B & Part D Income Limits

The 2026 IRMAA brackets in full. See the Medicare Part B and Part D income limits for single and married filers, what you'll pay, and how to lower or appeal IRMAA.

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Forrest KleinLicensed Insurance Agent
August 7, 2026·4 min read

Medicare Annual Notice of Change (ANOC): How to Read It and What to Do

Your Medicare plan mails an Annual Notice of Change (ANOC) each September. Learn what the ANOC shows, how to read it, and what to do before Open Enrollment ends.

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Forrest KleinLicensed Insurance Agent
August 7, 2026·3 min read

2026 Medicare Costs: Part B Premium, Deductibles & What You'll Pay

What Medicare costs in 2026: the Part B premium ($202.90), Part A, Part B, and Part D deductibles, coinsurance, and the new Part D out-of-pocket cap, explained.

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Forrest KleinLicensed Insurance Agent
August 7, 2026·4 min read

The Medicare Flex Card: What's Real and Who Qualifies (2026)

Is the Medicare flex card real? See what the flex card and grocery allowance actually are, which Medicare Advantage plans offer them, how much you get, and who qualifies.

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Forrest KleinLicensed Insurance Agent
August 7, 2026·5 min read

Medicare Open Enrollment Checklist: How to Review (and When to Switch) Your Plan for 2027

A step-by-step checklist for Medicare's Annual Enrollment Period (Oct 15 to Dec 7). See what to review, when switching plans makes sense for 2027, and how to compare for free.

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Forrest KleinLicensed Insurance Agent
August 7, 2026·5 min read

Medicare Part B Giveback: How to Get Money Back on Your Social Security (2026)

The Medicare Part B giveback pays back part or all of your Part B premium. See how it works, who qualifies, which plans offer it, and how much you can get in 2026.

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Forrest KleinLicensed Insurance Agent
August 7, 2026·5 min read

Medicare Savings Programs: 2026 Income Limits & How to Qualify (QMB, SLMB, QI)

Medicare Savings Programs help pay your Medicare premiums and costs if your income is limited. See the 2026 income and asset limits for QMB, SLMB, and QI, and how to apply.

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Forrest KleinLicensed Insurance Agent
August 7, 2026·5 min read

Medicare Special Enrollment Periods (SEP): Change Your Plan Outside Open Enrollment

A Medicare Special Enrollment Period lets you change plans outside Open Enrollment when life changes. See which events qualify, how long you get, and how to switch.

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Forrest KleinLicensed Insurance Agent
August 7, 2026·5 min read

How to Replace a Lost or Stolen Medicare Card (Free)

Lost your Medicare card? Replacing it is free. See the three ways to get a new card, how long it takes, how to print one online today, and what to do if your card was stolen.

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Forrest KleinLicensed Insurance Agent
August 7, 2026·7 min read

Your Medicare Card: What's On It, When You Get It, and How to Use It

A plain-English guide to your red, white, and blue Medicare card: what the number means, when it arrives, how it differs from your plan card, and how to replace a lost card for free.

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Forrest KleinLicensed Insurance Agent
May 27, 2026·5 min read

When to Enroll in Medicare: A Guide to Your Enrollment Windows

Missing your Medicare enrollment window can mean higher premiums for life. Here is exactly when to sign up, what each window covers, and what to do if you are still working at 65.

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Maria LopezLicensed Insurance Agent
November 14, 2025·5 min read

How Income Impacts Medicare Costs

How your income affects Medicare costs, IRMAA premiums, and savings options. Manage Medicare expenses and avoid unexpected charges.

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Forrest KleinLicensed Insurance Agent
November 7, 2025·5 min read

Medicare Coverage for Alternative Therapies

Learn how Medicare covers alternative therapies such as acupuncture, chiropractic, massage therapy, nutritional counseling, and more.

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Forrest KleinLicensed Insurance Agent
October 9, 2025·5 min read

What Does Medicare Cover For Mental Health?

Medicare-covered Mental Health services is one of the most common questions we get. Read our comprehensive guide on mental health coverage.

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Forrest KleinLicensed Insurance Agent
September 24, 2025·5 min read

Medicare with Medicaid: Understanding Dual Eligibility and Benefits

Medicare and Medicaid often work together, but many people do not understand their dual eligibility. Learn more about the benefits here.

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Forrest KleinLicensed Insurance Agent
August 27, 2025·5 min read

Medicare Advantage Plans in St. Augustine, FL

Discover Medicare Advantage Plans in St. Augustine, FL. Compare carriers, explore your options, and get expert help choosing the right plan.

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Forrest KleinLicensed Insurance Agent
May 9, 2025·7 min read

How to Make an Appointment with Social Security

As things constantly evolve, keeping up can be hard. Here's everything you need to know about scheduling an appointment with Social Security.

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Forrest KleinLicensed Insurance Agent
April 25, 2025·5 min read

Are Medicare Premiums Deductible on Taxes?

Don't get bogged down by healthcare and tax costs. Here's everything you need to know about getting Medicare Premiums deductible on taxes.

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Forrest KleinLicensed Insurance Agent
April 22, 2025·3 min read

How Much Does Medicare Part B Pay for Doctor Visits?

Exactly what Medicare Part B pays for doctor and physician fees: the 80/20 split, the Part B excess-charge trap, and how to lower your out-of-pocket costs.

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Forrest KleinLicensed Insurance Agent
April 15, 2025·7 min read

Will Medicare Pay for Home HealthCare for Dementia Patients?

Dementia requires special care that can be expensive, but here is how you can have Medicare pay for home healthcare for dementia patients!

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Forrest KleinLicensed Insurance Agent
April 11, 2025·8 min read

Unlocking the Benefits: Medicare Advantage with Blue Cross Blue Shield

Blue Cross Blue Shield Medicare Advantage Plans offer a personalized approach to healthcare based on the needs of their members. Learn more!

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Forrest KleinLicensed Insurance Agent
March 20, 2025·5 min read

New to Medicare? Here's What To Know

Don't overpay for your coverage. If you're new to Medicare, here is everything you need to know to make informed decisions for your coverage.

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Forrest KleinLicensed Insurance Agent
March 12, 2025·4 min read

How Do Wellness Programs Benefit Medicare Advantage Members?

Many Medicare Advantage plans include wellness programs that go beyond basic medical coverage. Learn how these programs can help you stay healthier, save money, and get more from your plan.

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Forrest KleinLicensed Insurance Agent
February 26, 2025·6 min read

Create a Medicare.gov Account: Easy Step-by-Step Guide

Set up your Medicare.gov account in minutes. Step-by-step guide to register, log in, view claims, and manage your drug plan, no phone hold music.

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Forrest KleinLicensed Insurance Agent
February 19, 2025·7 min read

10 Costly Medicare Mistakes (and How to Avoid Each One)

The 10 Medicare mistakes that cost people the most (late penalties, wrong plans, missed windows), and exactly how to avoid each. From licensed advocates.

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Forrest KleinLicensed Insurance Agent
February 13, 2025·4 min read

7 Ways Seniors Can Lower Healthcare Costs

If you believe you are overspending on healthcare costs, these tips may help you save thousands over the years by lowering healthcare costs.

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Forrest KleinLicensed Insurance Agent
January 30, 2025·6 min read

Choosing the Best Medicare Plan for 2025

With all the options available, choosing your coverage can be hard. Here's our tips to choosing the best Medicare plan for 2025 and beyond!

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Forrest KleinLicensed Insurance Agent
January 16, 2025·5 min read

Why Choose Medicare Advantage?

Medicare Advocates easy-to-understand guide on the benefits of Medicare advantage and whether you should choose Medicare Advantage for you!

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Forrest KleinLicensed Insurance Agent
January 2, 2025·5 min read

How to Save on Prescription Costs with Medicare Part D

Discover practical tips to save on prescription costs with Medicare Part D. Learn how to maximize your savings and stay healthier for longer!

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Forrest KleinLicensed Insurance Agent
November 29, 2024·7 min read

Medicare Supplement Plans: Pros, Cons & Are They Worth It?

The real pros and cons of Medicare Supplement (Medigap): costs, coverage, and whether it's worth it for you. Plain-English help from licensed advocates.

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Forrest KleinLicensed Insurance Agent
November 25, 2024·7 min read

TRICARE and Medicare: Do You Need Both? (2026 Guide)

Have TRICARE and turning 65? Whether you need Medicare Part A & B, how the two work together, and what happens if you skip it. Clear answers for retirees.

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Forrest KleinLicensed Insurance Agent
November 20, 2024·5 min read

How Is The Inflation Reduction Act Affecting My Medicare?

Medicare is constantly changing. Read our simple, detailed article on how the Inflation Reduction Act will affect your Medicare.

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Forrest KleinLicensed Insurance Agent
November 18, 2024·5 min read

How Will The Election Affect My Medicare?

Will the results of the election affect my Medicare? Get everything you need to know about what the election means for your Medicare!

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Forrest KleinLicensed Insurance Agent
November 18, 2024·3 min read

Why Are So Many Plans Going Away This Year?

Did you receive notice that your Medicare plan is going away next year? Read more about why that is and what your options are!

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Forrest KleinLicensed Insurance Agent
November 7, 2024·7 min read

What Is Medigap? Plans, Costs & How to Choose (2026)

Medigap explained simply: what it covers, what the 10 plans (A to N) cost, and how to choose one. Free help from licensed Medicare advocates, no fees.

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Forrest KleinLicensed Insurance Agent
November 6, 2024·6 min read

VA Health Insurance and Medicare

How does VA health insurance and Medicare interact? Learn everything you need to know about your coverage as a veteran!

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Forrest KleinLicensed Insurance Agent
October 23, 2024·5 min read

Durable Medical Equipment Covered by Medicare

Do you need your Durable Medical Equipment covered by Medicare? Learn how to get covered with your Medicare experts!

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Forrest KleinLicensed Insurance Agent
October 22, 2024·5 min read

Medicare Star Ratings

Learn everything there is to know about how the Medicare star ratings can help you choose the right plan and get the coverage you need!

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Forrest KleinLicensed Insurance Agent
October 11, 2024·7 min read

What Is Medicare Extra Help? 2026 Income Limits & Benefits

Medicare Extra Help (the Part D Low-Income Subsidy) lowers your prescription drug costs. See the 2026 income and resource limits, what it covers, and how to qualify.

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Forrest KleinLicensed Insurance Agent
October 7, 2024·7 min read

What is Medicare Part D; A Comprehensive Guide

What is Medicare Part D? Our comprehensive guide will walk you through everything you need to know about your prescription drug coverage!

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Forrest KleinLicensed Insurance Agent
October 3, 2024·5 min read

Medicare HMO vs PPO Plans; What's the Difference?

Understand the similarities and differences between an HMO vs PPO plan. Knowing more may help you get a plan better fit for you!

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Forrest KleinLicensed Insurance Agent
September 25, 2024·4 min read

Does Medicare Cover Hearing Aids?

Original Medicare does not cover hearing aids, but many Medicare Advantage plans do, and Medicare covers cochlear implants and diagnostic exams. Here is how to get coverage.

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Forrest KleinLicensed Insurance Agent
September 25, 2024·5 min read

What is Medicare Part B; A Comprehensive Guide

What does Medicare Part B cover? Learn the ins-and-outs of Part B in our comprehensive guide to Medicare Part B!

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Forrest KleinLicensed Insurance Agent
September 19, 2024·5 min read

Who is eligible for Medicare?

Do you qualify for Medicare? See more about the ins and outs of who is eligible for Medicare, and what you qualify for.

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Forrest KleinLicensed Insurance Agent
September 16, 2024·5 min read

Does Medicare Cover Dental? Coverage, Dentures, and Implants Explained

Original Medicare does not cover routine dental, but many Medicare Advantage plans do. See what dental Medicare covers, including dentures and implants, and how to get it.

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Forrest KleinLicensed Insurance Agent
September 16, 2024·6 min read

What is the Difference Between Medicare and Medicaid?

Medicare vs Medicaid, compared side by side: who each program is for, eligibility, cost, and coverage in 2026, plus how to qualify for both (dual eligibility).

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Forrest Klein
September 5, 2024·5 min read

How to Apply for Medicare & Check Your Application Status (2026)

Applied for Medicare and waiting? How to check your application status online or by phone, what each status means, and how to apply if you haven't yet.

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Forrest KleinLicensed Insurance Agent
September 5, 2024·7 min read

What is Medicare Advantage (Part C)?

What is Medicare Advantage and what are the benefits to it? Learn more about the basics and more that Medicare Advantage has to offer.

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Forrest KleinLicensed Insurance Agent
September 5, 2024·4 min read

What is Value-Based Care?

Learn more about getting better quality of care, and get the basics of value-based care. Compare health plans with us for the best service.

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Forrest KleinLicensed Insurance Agent
September 4, 2024·3 min read

Changes to Medicare in 2025

Big changes to Medicare are coming in 2025, and they can change the game for many! Read more about the changes to Medicare in 2025!

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Forrest KleinLicensed Insurance Agent
August 30, 2024·8 min read

Medicare Open Enrollment Dates for 2027 Coverage: When Can You Enroll?

When is Medicare Open Enrollment? For 2027 coverage, Medicare's Annual Enrollment Period runs October 15 to December 7, 2026. Every Medicare enrollment window explained.

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Forrest KleinLicensed Insurance Agent
August 3, 2022·3 min read

Why Is Indoor Air Quality So Important?

The indoor air quality (IAQ) of a building is strongly connected to your health and well-being. Because so much of our time is spent indoors, we need to have breathable rooms that do not contain threa

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Forrest KleinLicensed Insurance Agent
July 20, 2022·5 min read

How do wellness programs benefit companies? Humana

In today’s extremely competitive work industry, it prevails to consist […]

Dameon Jensen
July 20, 2022·4 min read

How Does Medicare Part C Coverage Work?

Medicare Advantage intends, also understood as Part C, were introduced […]

Dameon Jensen
July 19, 2022·3 min read

Humana Medicare Plans

Medicare Advantage is one of the main focuses of Humana Medicare. Humana Medicare Advantage plans are widely available throughout the US

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Forrest KleinLicensed Insurance Agent
July 15, 2022·14 min read

Medicare Part A: Comprehensive Guide (2022)

What is Medicare part A? Medicare Part A is Hospital Insurance, Medicare that covers inpatient hospital costs and related services.

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Forrest KleinLicensed Insurance Agent
June 29, 2022·2 min read

Ohio Medicare

Elders on Medicare are certainly taking into consideration an outstanding […]

Dameon Jensen
June 29, 2022·6 min read

Aren’t all Multi Vitamins Generally the Very Same?

Multi vitamins can provide a hassle-free approach to take a […]

Dameon Jensen
July 26, 2021·5 min read

How to spot Medicare fraud

1. Know what to expect Medicare has rules about how […]

Dameon Jensen
July 12, 2021·2 min read

Retiree Health Coverage and Medicare

You may be able to keep your group health coverage after you retire. But how does it work with Medicare? Find out here!

Dameon Jensen
July 7, 2021·3 min read

Does Medicare Cover a Chiropractor?

Does Medicare cover a chiropractor visit? if not check out to see how you may qualify to be able to do so. Speak to an Advocate Today

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Forrest KleinLicensed Insurance Agent
July 7, 2021·2 min read

How to Transition from the Health Marketplace to Medicare

id you buy health insurance through the Health Marketplace? If you did there are some things to think about when you’re ready to sign up

Dameon Jensen
June 28, 2021·5 min read

Does Medicare Plans from Humana Cover Routine Vision Care?

Learn whether Medicare Advantage plans from Humana cover routine vision care, what you should know about coverage for routine vision care.

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Forrest KleinLicensed Insurance Agent
June 28, 2021·5 min read

UnitedHealthcare Medicare Advantage (Part C) Plans

Here is a list of the plans offered by United Healthcare that qualify for Part C. Compare all your options to find the right plan for you.

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Forrest KleinLicensed Insurance Agent
June 28, 2021·5 min read

What Is Covered by Humana Medicare Part D

Find out which medications are covered by your Humana Part D prescription drug plan. Learn how to check online and call the customer service.

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Forrest KleinLicensed Insurance Agent
June 16, 2021·3 min read

How to Get Original Medicare (Parts A and B)

In short, original Medicare is a federally-funded health insurance program for those 65 and over, or otherwise qualified

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Forrest KleinLicensed Insurance Agent
June 11, 2021·9 min read

CHAMPVA and Medicare: How They Work Together

Read this article to learn more about how CHAMPVA and Medicare work together. If you're a veteran who has recently become eligible for both.

Dameon Jensen