Turning 65 and Still Working: Should You Delay Medicare?
The Medicare enrollment process and the decision of when to enroll can be confusing. If you’re preparing to turn 65 and still working, you may already have health insurance coverage through your employer. Will signing up for Medicare now save you money, or will it add to your costs? And how does...
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What to Bring to a Medicare Planning Appointment
Scheduling a Medicare planning appointment with an insurance advisor is a smart step as you move forward with the process of deciding whether to enroll or adjust your plan. However, it’s important to prepare for this meeting ahead of time. Bring the information you have to help your advisor understand your healthcare...
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Special Enrollment Periods Explained: When You Can Change Plans
Health insurance doesn’t always line up neatly with the ebbs and flows of your life. You might change jobs, move to a new location, get married or divorced, or welcome a new family member at any time of the year, not just during Open Enrollment.
Fortunately, you don’t necessarily...
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Questions You Should Ask Before Choosing a Medicare Plan
Choosing a Medicare plan can feel overwhelming. You have several options, each with its own confusing terms and costs to consider. If you rush the process, you may overlook critical details and wind up with coverage that doesn’t meet your needs.
Asking yourself the right questions during the selection...
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How to Choose the Right Medicare Plan Based on Your Doctors and Prescriptions
The process of choosing a Medicare plan can feel overwhelming. You know you want to keep seeing the doctors you trust and taking the prescriptions you rely on, but is there a plan that allows you to do both? Before you enroll in coverage, it can help to review how different Medicare...
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What Medicare Does Not Cover (And How to Fill the Gaps)
Many people preparing to enroll in Medicare go in assuming it will cover most of their health care needs. While the program does provide broad coverage, it doesn’t pay for every service or expense, including some key services people often need as they age. As a result, gaps in coverage can lead...
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Understanding Medicare Part D
Retirees and certain individuals receiving Social Security Disability Insurance benefits may qualify for Medicare, including Part D coverage. Here’s what you need to know about what Medicare Part D covers and how much it costs, so that you can better budget for your healthcare expenses.
What Is Medicare...
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Medigap vs Medicare Advantage: Which Is Right for You?
Medigap and Medicare Advantage offer different types of coverage, and which one is right for you depends on what matters most to you. Medigap works with Original Medicare to cover extra costs like deductibles and coinsurance. Medicare Advantage rolls your hospital, medical, and often drug coverage into one plan. Look at your...
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Medicare Special Needs Plans
Many Arizonans rely on standard Medicare Advantage plans for health coverage. However, these standard plans aren’t always the best options for individuals with chronic conditions or who require specialized care. For these individuals, Medicare Special Needs Plans (SNPs) may offer a more suitable solution to their needs.
SNPs are...
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Transitioning from Employer Insurance to Medicare
As 65 approaches and Medicare enters the picture, the questions start to pile up. You may feel uneasy about giving up your current coverage, making a costly mistake, or choosing something that affects a spouse or partner in ways you did not intend.
You deserve space to ask honest...
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Life Changes That Affect Your Insurance Needs
Life doesn’t sit still for anyone. As life changes—such as getting married, having children, moving, or retiring—your insurance should adjust accordingly. Each new chapter brings different needs, and keeping your coverage up to date is one of the best ways to protect your money, your family, and your future.
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Health Insurance for Self-Employed Individuals
If you work for yourself, you should know that you have more choices for health insurance coverage than you might think. You can buy an Affordable Care Act (ACA) marketplace plan, enroll directly through a private insurer, or look at short-term coverage if you need a temporary option. Marketplace plans cover essential...
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