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Medicare Annual Enrollment Period

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Understanding Medicare Part D Prescription Coverage

Medicare Part D is the prescription drug coverage portion of Medicare. If you’re among the 59 million Americans on Medicare – 18 percent of the population and growing – you’re probably well aware of the Medicare prescription coverage gap, often called the “doughnut hole.”  With 2019 just weeks away, fall is the time to plan your Medicare coverage, as certain rules change for the coming year. The good news is that Congress passed a bipartisan prescription drug coverage deal in February, so you should spend less on drugs in 2019. Open enrollment began October 15 and you’ll want to compare your Medicare Part D prescription drug coverage options to make sure you’re in the plan that works best for your needs. For 2019, open enrollment runs from Oct. 15, 2018 to Dec. 7, 2018. During this period, you can make changes to various aspects of your coverage. What Is the Medicare…

Getting on Medicare Before Age 65

Among the many questions people have about Medicare benefits is, “Can I get on Medicare early, before turning 65?” The annual Medicare enrollment period is about to begin, bringing with it a lot of questions about how to get on Medicare early, choosing your coverage, understanding the alphabet soup of its various parts and finding out why and how to get supplemental coverage. Before we start talking about that, let’s get some perspective on Medicare by looking at some statistics from the 2018 Annual Report of the Boards of Trustees of the Federal Hospital Insurance and Federal Supplementary Medical Insurance Trust Funds. It’s the annual report of the boards that oversee the trust funds that provide the money behind the program we all know as “Medicare.” According to the report, “In 2017, Medicare covered 58.4 million people: 49.5 million aged 65 and older, and 8.9 million disabled. Total expenditures in 2017…