Right now there are many questions as to what the Social Security increase will look like for 2026. Social Security COLA for 2024 Starting in January 2026 about 75 million folks receiving Social Security benefits will see a 2.80% increase. The cost of living increase (COLA) is calculated based on the percentage increase in the […]

There are so many Medicare parts and yet so many unanswered questions!   I sometimes wake up in the middle of the night from a recurring nightmare, my 4th grade teacher is hovering over me shouting, ‘What is Medicare Part A? What is Medicare Part B? What’s the difference between Medicare Part C and D?’  It’s terrifying […]

Choosing between Medicare Advantage and Original Medicare is one of the biggest Medicare decisions seniors in Maryland will ever make, and the cleanest way to understand the difference is to look at Medicare Supplement vs Medicare Advantage plans side by side before making any final decision. Once you understand how each option actually works, the […]

Difference between Medicare Advantage and Supplement plans Did you know that more than half of all Medicare beneficiaries since 2025 are enrolled in Medicare Advantage plans instead of traditional Medicare or Medicare Supplement coverage? That means the majority of people on Medicare today are choosing a managed care option over traditional coverage. This is not […]

Medicare Advantage open enrollment Medicare Advantage open enrollment is a limited window that allows people who already have a Medicare Advantage plan to make a change. For seniors living in Hagerstown, this period is one of the most misunderstood parts of Medicare. This is not a time to shop every option under the sun. It […]

The Hidden Triggers Behind Medicare Advantage Disenrollment Medicare Advantage disenrollment often begins when your plan no longer protects your budget, limits your doctors, or hidden Medicare costs. For many folks, it happens gradually. The co-pays feel higher. A doctor you trust is suddenly out of network. A treatment plan changes and you begin to see […]

If you are on Medicare, chances are you have wondered whether you are supposed to re-enroll every year.That question comes up all the time, and honestly, it makes sense. We are here to provide the Medicare guidance you deserve. Medicare has a lot of moving parts. Some things stay the same, and some things change […]

How to Avoid the Medicare Late Enrollment Penalty Avoiding the Medicare late enrollment penalty should feel simple and predictable, not stressful or confusing. This short guide shows you the clean path to stay penalty free and protect your wallet. Key Takeaways Why the Medicare Late Enrollment Penalty Exists The Medicare late enrollment penalty exists to […]

Open Enrollment for Medicare Advantage Plans Made Simple Open Enrollment for Medicare Advantage Plans should feel simple, predictable, and easy to understand. This window gives you the chance to make clean changes that protect your health and your wallet without any confusion. Key Takeaways What Open Enrollment for Medicare Advantage Means Open Enrollment for Medicare […]

Medicare Drug Plan Enrollment Period The Medicare Drug Plan Enrollment Period determines when Maryland seniors can sign up for, change, or review their Medicare Part D coverage. This window matters because it protects your budget and helps you avoid costly surprises down the road. Medicare drug coverage can feel like a maze, especially when life […]