Here’s what the insurance industry doesn’t want you to know: your Medicare coverage rules completely change based on which type you have. Most people have no clue which type they actually carry.  Why? Because she assumed “Medicare is Medicare” and never researched her options. There are two completely different Medicare options, and they operate by […]

Most people stare at plan comparison charts filled with copays, deductibles, and network restrictions, feeling completely lost.  They’re trying to predict their healthcare needs 12 months in advance. The good news? Once you understand how HMO and PPO plans actually work in practice, this choice becomes much clearer. I’m going to walk you through exactly […]

What they don’t realize is they’re missing critical local factors that could significantly impact their healthcare costs and access. I’m going to show you exactly how the Medicare Advantage system works in Maryland, and why having local expertise matters for making the right choice. Here’s what the big insurance companies don’t want you to know: […]

Which is Better Medicare Advantage or Medigap? These benefits include dental or vision, but may have network restrictions, while Medigap plans offer more flexibility to see any doctor who accepts Medicare with predictable coverage. A smart Medicare choice can give you better coverage than sticking with whatever lands in your mailbox. Let’s explore how you […]