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Coverage for your Immune System
As we head into the warmer months, we would like to forget that RSV, Whooping Cough, and Flu existed. But as we all know, these viruses don’t go away – and the minute we turn our thermostats over from cool to heat, they are ready and waiting to lob themselves at our unsuspecting immune systems. […]
Combo Meal or A La Carte?
Who doesn’t love a good combo meal? My favorite has to be the #1 at In-n-Out: A double-double with cheese, fries, and some of that delicious pink lemonade. The whole concept of the combo meal is great: bundle up the food you would normally get a-la-carte and pay less overall. (Apparently, the first combo meal […]
Confused About the Difference Between Part B and Part D Drug Coverage?
A question we get a lot from our clients: “I understand that Part D is prescription drug coverage. But I know Part B covers some medications too. How do I know which medications are covered under which Part?” This is a valid question! It’s always nice to know where your monthly premiums are going and […]
Ray’s Retire Right Report – May 2024
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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 […]