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Cracking Down on Advantage Plans
Since my Dad started helping folks with Medicare in the 90s, Martin and Associates have been partial to Original Medicare paired with a Med Supp and Part D policy. Why? It gives folks the most freedom of choice: you can see almost any doctor anywhere in the country. There are no network restrictions. Med Supps […]
The Grey Gap Year
When I was about to depart for college, some of my friends went a different route. The “Gap-Year.” At the time, it felt a little self-indulgent to take a whole year to travel and “find myself” before embarking on true adulthood. What I found is that many of my friends found it transformative. Now as […]
Medicare and Big Pharma go Toe to Toe
Have you been staying up to date with Medicare’s drug price negotiations? It’s sure to be a wild ride when you combine money and prescriptions. AstraZeneca is a pharmaceutical giant based in the U.K. that produces the blockbuster drug, Farxiga. Farxiga treats Type 2 diabetes, heart failure, and chronic kidney failure. The price tag without […]
Mind the Gap
Once you turn 65, it’s easy to feel like you’re made in the shade. Part A is premium-free if you’ve paid into Medicare for ten years. Part B is reasonable, with a monthly premium of only $174.70. Even Part D, prescription insurance, is affordable. Some plans start at only $10 a month! If your adult […]
Medicare’s Sneaky Equation
This is a question we get quite frequently: “If I don’t take any prescriptions, why do I need to sign up for Part D?” In a perfect world, there would be no need for Rx coverage if you didn’t need an Rx! In the world of Medicare though, delaying Part D can cost you. Remember […]
Why is Medicare SO Complicated??
I would just like to take a moment and apologize on behalf of the Federal Government here. They really are trying to help – in their clunky way. Signed into law in 1965 by President Johnson, Medicare began with only two parts: A and B. Things stayed that way for quite a long time. Fast forward to 1997 (!), more than […]
How to WIN with Medicare
When is the best time to prepare for Medicare? I hope you didn’t say 65! Yes – you don’t become Medicare eligible until three months before you turn 65; but Medicare is full of complicated terminology, weighty decisions, and confusing “windows” of time in which to enroll or disenroll in different plans. The Medicare Early-Bird gets the worm. Show up […]
Ray’s Retire Right Report – April 2024
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Ray’s Retire Right Report – March 2024
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