Medicare
How much does Medicare cost per month?
Most people pay nothing for Part A, a monthly premium for Part B, and more for drug coverage and a supplement or Advantage plan. The figures reset every January.
Medigap
What is high deductible Plan G?
It covers what standard Plan G covers, but only after you pay a set amount yourself each year. In exchange the monthly premium is lower.
Health and ACA
Can I get health insurance if I lost my job or lost coverage?
Losing job based coverage opens a 60 day window to enroll on the Marketplace. Here is how that compares with COBRA, and what to check first.
Auto
Full coverage or liability only: how to decide
Full coverage is not a real policy. It is liability plus collision plus comprehensive, and here is how to tell which pieces your car still needs.
Part D
What drugs are not covered by Medicare Part D?
Some drugs are left out of Part D by federal law, and no plan covers them. Others are just missing from your plan's list, and those you can ask the plan to cover.
Medigap
Does Medigap cover the 20 percent Medicare does not pay?
Yes. Every Medigap plan pays the Part B coinsurance, the 20 percent Medicare leaves you. Here is what else each plan letter covers.
Medicare
Does Original Medicare cover prescription drugs?
Very little. Original Medicare covers almost no drugs you pick up at a pharmacy. You add drug coverage separately, and waiting adds a penalty that never goes away.
Medicare
Does Medicare cover dental, vision and hearing?
Original Medicare does not pay for routine dental care, glasses or hearing aids. Here is where the lines fall and what your options are.
Health and ACA
What documents do I need to apply for Marketplace insurance?
The papers to gather before you start, plus the document requests that arrive after you enroll and can end coverage when people ignore them.
Medigap
Do I need Part D if I have a Medigap plan?
Yes. A Medigap policy pays medical bills, not drug bills, so you need a Part D plan too. Skipping it starts a late penalty that stays.
Part D
Do I need Part D if I do not take any medications?
Almost always yes. The late enrollment penalty counts every month you go without drug coverage, and once it starts you pay it for life.
Medicare
Do I need Medicare if I have insurance through my employer?
It depends on how many people your employer has. With 20 or more you can usually delay Part B. Under 20, Medicare pays first and you need it now.