If you want to switch your Part D plan, otherwise known as your Medicare prescription drug plan, you have very specific times in which this is allowed.

Medicare Part D’s Donut Hole can leave significant costs for those 65 and over. However, the percentage you pay out of pocket each year has been decreasing for a few years now, and 2019 is the last one.

There is really no such thing as senior medical insurance. There is insurance for those who are Medicare eligible and insurance for those who are not.

Medicare is split into two parts: Part A covers hospitalization services and Part B covers day-to-day medical care.

Remembering every deadline for Medicare Part A and B, Medigap (Medicare Supplement), Medicare Advantage and Drugs is just too difficult. That’s why we at Senior65.com have come with this cheatsheet that will help you easily find the deadline you’re looking for. We have broken up the deadlines into two parts: Initial Enrollment (when you are first eligible) and Special Enrollment (when you are allowed to enroll AFTER initial enrollment because of special circumstances such as existing coverage from work).

Hospital care usually has considerable cost, and it leaves seniors wondering what is covered and what they will have to pay for. That’s why Senior65.com is making this Medicare guide to Hospital Coverage.

CMS will provide a Special Enrollment Period (SEP) for individuals affected by severe storms, flooding, straight-line winds, and tornadoes who need to enroll in, disenroll from or switch Medicare health or prescription drug plans and have missed another enrollment period (i.e., either aging in or a SEP). This opportunity will be available in areas for which the Federal Emergency Management Agency (FEMA) has declared an emergency or major disaster and FEMA has determined they are eligible for Public or Individual assistance. It is available at the start of the incident period and runs for 4 full months.

There are a few health care options for senior or those who are Medicare eligible. Many end up with the three following item: 1) Original Medicare, 2) Medicare Supplemental, and a  3) Part D Prescription plan.

Blue Shield is temporarily allowing existing Medigap members* to enroll in their new Medigap Plan F Extra without underwriting approval. This is a rare opportunity as Blue Shield usually requires a health review before allowing members to switch to plan F Extra.

Hearing aids may seem unaffordable to many seniors, leaving them wondering if Medicare covers the costs. And, if not, how will they pay for their hearing aid costs, that can range to several thousand dollars.