Question: When can I change my insurance? Do I have to change my insurance? I think I looked at it this time last year. Answer: Happy Insurance Season! You know I am Medicare Crazy! I LOVE The Annual Open Enrollment Period (AEP), which is open from October 15 until December 7. This period is ...

Question: I have a Medicare Advantage Plan (HMO). My friend has Medicare and a Medigap Plan. Who has the better insurance? Answer: Like most questions related to Medicare coverage, my answer will have to be “That Depends!” You both have good Insurance! Most Medicare products are good, ...

Question: I am over 65 and until recently I was working full-time. I just got laid off from my job and am overwhelmed with everything that I have to change. Where do I look for insurance? I don’t know where to begin. Answer: First, let me say how sorry I am for the abrupt life changes you ...

Question: I just received a document from the Chautauqua County Department of Health & Human Services, telling me I no longer have New York State paying my Medicare Part B Premium. Now what do I do? Answer: There are many programs under the umbrella of the Department of Health & Human ...

Question: I got a letter from my Medigap insurance company that says the monthly premium rates are going up? Is this a sure thing, and if so when will I start the higher rate? Answer: Well I have to say that I have heard this from a lot of people this week. AARP United HealthCare Options and ...

Question: My spouse and I are traveling across the USA this summer. How will my Medicare insurance cover me? Answer: As with most questions I get, my answer is: it depends! So, let’s run down a couple of common situations. When you are using your Original Medicare Part A & B with a ...