• Ask the Advisor: October 2019 Can You Explain the Pros and Cons of Switching to a Medicare Advantage Plan? Q: A new Medicare Advantage plan is available in my area and the premiums are extremely low.  It would save me a lot of money this year, so I’m thinking about dropping my Medigap and Part D plan to enroll in the ...
  • Ask the Advisor: September 2019 How Would Importing Prescription Drugs From Other Countries Help People in Part D Plans? Q:  In the debate over lowering prescription drug prices, I see frequent mention of allowing importation of drugs from other countries.  How would that work for people enrolled in Medicare Part D? A:  Drug prices in the U.S. are much higher than in ...
  • Q & A: April 2019 Can You Tell Me What to Expect in The Part D Doughnut Hole? Q: I read that the Medicare Part D doughnut hole is closing.  What does that mean?  I recently started on Lantus insulin, which my drug plan covers, but with the other drugs I take, I expect to hit the doughnut hole with my ...
  • Ask the Advisor: August 2018 Q: My mom was recently diagnosed with Alzheimer’s disease.  What benefits does Medicare cover for this condition?   A:  Unlike most of the top 10 causes of death, such as heart disease and cancer, which are covered in large part by Medicare, Alzheimer’s care comes with extraordinary costs that are not covered.  Medicare covers medically necessary inpatient ...
  • Ask The Advisor: June 2017 Is Congress Doing Anything At All To Address Prescription Drug Prices? Q: I was relieved when the vote to repeal and replace Obamacare failed. Could you tell me if the bill contained any provisions to lower drug costs? What does Congress plan to do now to lower drug costs? A: Although high prescription drug costs were a ...
  • Q & A: April 2017 Q: I’m still working and will turn 65 in July of this year.  I currently get my health insurance through my employer.  We have more than 20 employees and I’ve been told I can keep my employer’s health insurance instead of starting Medicare in July.  The health insurance that I have now is pretty expensive ...
  • Ask the Advisor: November 2017 My Sister Is Losing Medicare Extra Help.  What Can We Do? Q:  My sister has a low income and receives Medicare Extra Help with her drug coverage.  She started Social Security when she turned 66, but she still works part time.   We were both upset when she received notification that she is no longer qualified to ...
  • Q & A: August 2016 Do I Have To Give Up My Current Healthcare Coverage To Go On Medicare? Q:  I turn 65 next year, and have very good healthcare coverage through my husband’s employer.  I need Humira for rheumatoid arthritis.  The drug retails for more than $2,250 a dose, which I require monthly.  My husband’s plan normally has a co-pay ...
  • Ask The Advisor: December 2015 Why Did I Hit The Doughnut Hole? Q: I recently hit the Medicare Part D doughnut hole for the first time since I enrolled in Medicare in 2010, but I still take the same medications that I did when I first enrolled. My wife and I were surprised by how high the costs are because we ...
  • Social Security & Medicare Questions: November 2015 Do I Need To Keep My Obamacare Plan If I’m Starting Medicare Next Year? Q: I turn 65 in May, but haven’t started Medicare yet. I plan to continue working until 66 — my full retirement age. I currently get my health coverage through an Obamacare plan. Will I be required to keep that plan for ...

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